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Pepper Money Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the Pepper Money Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Pepper Money Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Pepper Money’s changes. While utilising COMPLETIONmonitor is not a prerequisite for Pepper Money , demonstrating you can stay up to date with Pepper Money’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, safeguard your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by Pepper Money

Lenders frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Pepper Money are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, Pepper Money has made 35 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 78.0 days. In total, 13% of the sections of P2 of the UK Finance Lenders’ Handbook for Pepper Money have been changed since 15/12/2008.

To find out more about lender panel compliance,
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FAQs : The Pepper Money Conveyancing Panel from members of the public

My Conveyancer is not on the Pepper Money Approved Panel. Can I still use my preferred solicitor notwithstanding that they are not on the Pepper Money list of approved lawyers?
The most common options here are as follows:
  1. Complete the purchase with your existing lawyers but Pepper Money will need to instruct a lawyer on the Pepper Money conveyancing panel. This will result in additional cost and potential delay.
  2. Get a new solicitor to act in the purchase, obviously checking they are on the Pepper Money conveyancing panel.
  3. Urge your lawyer to apply to join the Pepper Money lender panel
My solicitor has uncovered a difference when comparing the assumptions in Pepper Money’s home valuation survey and what is revealed within the legal papers for the property. My solicitor says that as he is on the Pepper Money conveyancing panel he must check that the lender is OK with this discrepancy and is still content to lend. Is my conveyancer’s approach right?
A precondition to being on the Pepper Money approved panel is to comply with the CML Handbook requirements (last updated for this lender on Pepper Money) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I am Googling for conveyancing quotes online. Can I be assured that all the practices that are identified on your directory are on the Pepper Money conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the Pepper Money panel and agreed to advise us to take down their listing in the event of removal off of the Pepper Money panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Pepper Money conveyancing panel is incorrect.
I am buying a new build flat and getting a mortgage with Pepper Money. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Pepper Money conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Pepper Money conveyancing panel in your location.
Can you point me to a directory of Pepper Money panel conveyancers on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
I am buying a property where the roof has a solar panel. Pepper Money have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Pepper Money your lawyer must to check the Pepper Money conveyancing instructions contained in the Part of CML Handbook for Pepper Money . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Pepper Money where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
My fiance and I are in the throws of looking at flats and now considering a potential offer. Should I already have a conveyancer appointed at this stage? I intend to finance via a mortgage with Pepper Money
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with Pepper Money , ask your prospective lawyers check they are on the Pepper Money conveyancing panel otherwise they can't do the mortgage legal work.

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