Pepper Money Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This software assists the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Pepper Money’s changes. While using the tool 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 panel application and, more importantly, protect your firm’s panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will increase 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

Banks and building societies 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


To find out more about lender panel compliance,

Book a Personalised Demo

FAQs for the Pepper Money Solicitor Panel from members of the public

Is the fact that my conveyancer is not on the Pepper Money Conveyancing panel that there is a problem with the standard of her work?
That would more than likely be a wrong assumption to make. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The top 3 reasons are as follows: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for Pepper Money.
Can you clarify something for me?. For no fault of my lawyer but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Pepper Money was dated random date and we have agreed a date for me to move into the property on Tues etc. My solicitor says that as she is on the Pepper Money conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
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 states that a local authority search be not more than 6 months old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Pepper Money.
Are there any apps to help search for a local solicitor on the Pepper Money conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the solicitor.
You can use the find a conveyancing panel search on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Pepper Money solicitor panel.
I was scheduled to move into my dream home two days ago. My lawyer’s firm is on the Pepper Money conveyancing panel but has changed address 8 weeks ago and had not advised Pepper Money of their new address. Pepper Money is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. Most 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 assist.
Can you point me to a directory of Pepper Money panel conveyancers on the CML Handbook 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.
Do conveyancing lawyers on the Pepper Money conveyancing panel work on a no sale no fee basis?
In the main there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
Next month my fiance and I are buying a house in Hendon. Conveyancing solicitors in Hendon are preferred to beappointed. My fatheradvised that we double-check that the conveyancing practitioner in Hendon is on the Pepper Money panel. Surely I don't need to do this, do I?
Not all Hendon conveyancing solicitors are on the Pepper Money conveyancing panel. 8 people a month use our search tool to find a Hendon conveyancing solicitor on the on the Pepper Money approved list of lawyers.