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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?
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Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers such as AmTrust. It is a unique risk mitigation tool.

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

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Pepper Money

Lenders often vary 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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Pepper Money Conveyancing Panel Recently Asked Questions from members of the public

I am getting a mortgage offer from Pepper Money. I would like to instruct a Licensed Conveyancer. Does the Pepper Money Conveyancing panel allow for conveyancers regulated by the CLC
Pepper Money’s approved solicitor list is, like many other lenders associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
My conveyancer has uncovered an inconsistency when comparing the information in Pepper Money’s home valuation survey and what is in the title deeds. My lawyer says that as he is on the Pepper Money conveyancing panel he is obliged to ensure that the lender is with this discrepancy and is still content to lend. Is my conveyancer’s course or action 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 both parties.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Pepper Money conveyancing panel. My lawyer has said that they are on the Pepper Money approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Pepper Money conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Pepper Money solicitor panel.
I was supposed to move into my dream home yesterday. My solicitor is on the Pepper Money solicitors panel but has changed address in the past couple of months and had not advised Pepper Money of their new address. Pepper Money is now refusing to release my funds as the information from the solicitors isn't correct.
This is a rare situation indeed. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Pepper Money branch or your mortgage broker to see if they can help.
is it true that all conveyancing solicitors on the Pepper Money conveyancing panel regulated by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Pepper Money conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have telephoned Pepper Money on various occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Pepper Money conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
As long as the conveyancer is on the Pepper Money panel she or he must comply with the CML Handbook requirements for Pepper Money. Unless your lawyer obtains specific confirmation in writing that Pepper Money will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Pepper Money to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
We are are remortgaging a flat in Hendon. Conveyancing solicitors in Hendon will soon beappointed. My agentsuggested that we make sure that the conveyancing practitioner in Hendon is on the Pepper Money panel. Surely I don't need to do this, do I?
A limited percentage of Hendon conveyancing solicitors are on the Pepper Money conveyancing panel. Click here to locate a Hendon conveyancing practitioner on the on the Pepper Money approved list of lawyers.

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