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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 residential conveyancing lawyers. It is supported by professional indemnity insurers. COMPLETIONmonitor is a unique risk management tool.

This system facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Pepper Money’s changes. Even though utilising the tool 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 standing.

The system 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 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, frequently:

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 Solicitor Panel Example Support Desk Enquires from members of the public

The conveyancer I wanted to use for conveyancing on a remortgage said he would charge more if my lender is because of their unusual legal requirements. Am I likely to be frustrated using Pepper Money? Is Pepper Money conveyancing so much more difficult?
Pepper Money conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Pepper Money conveyancing panel. If they are not, this does add further risk of delay as Pepper Money will appoint their own solicitors to look after their interest.
We are getting closer to an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Pepper Money. I am advised that, being on the Pepper Money conveyancing panel and acting on their behalf he must inform Pepper Money if the balance of the mortgage advance is not just from me. I disclosed to the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with Pepper Money to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Pepper Money if you agree, failing which, your lawyer must cease to continue acting.
Having used 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 expecting to complete on my flat last Friday. 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 has locked down the release of mortgage funds as the information from the solicitors isn't correct.
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.
Is there a list of Pepper Money panel solicitors 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.
We expect to receive a DIP from Pepper Money this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Pepper Money recommend a solicitor on the Pepper Money conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the Pepper Money conveyancing panel. The solicitor represents both you and the Pepper Money through the process.
Planning on purchasing a house with a mortgage with Pepper Money. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Pepper Money conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Pepper Money conveyancing panel

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