About Lexure Contact us

Pepper Homeloans Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

Card image cap
How can my firm apply to be on the Pepper Homeloans Conveyancing Panel?
Check your firm’s panel Status
Card image cap
How can my firm be reinstated onto the Pepper Homeloans 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 software facilitates the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Pepper Homeloans’s changes. While using the tool is not a condition for being on the Pepper Homeloans panel, demonstrating you can stay up to date with Pepper Homeloans’s Handbook requirements is a helpful support to your panel application and, just as importantly, protect your firm’s panel standing.

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

Find a Law Firm approved by Pepper Homeloans

Lenders frequently change their requirements. The BSA instructions from Pepper Homeloans 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 2010, Pepper Homeloans has made 72 revisions or additions to sections of their version of the BSA Requirements.
That equates to a section change every 37.9 days. In total, 34% of the sections of the BSA Requirements for Pepper Homeloans have been changed since 26/1/2010.

To find out more about lender panel compliance,
Book a Personalised Demo

Q and A’s regarding the Pepper Homeloans Conveyancing Panel from members of the public

A solicitor I had intended to instruct on a remortgage said he would charge more if my mortgage is with Pepper Homeloans due to their unusual legal requirements. Will I regret using Pepper Homeloans? Is Pepper Homeloans conveyancing so much more difficult?
Pepper Homeloans 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 Homeloans conveyancing panel. If they are not, this does add further risk of delay as Pepper Homeloans will appoint their own solicitors to look after their interest.
My conveyancer has identified an inconsistency when comparing the surveyor’s assumptions in Pepper Homeloans’s home valuation report and what is in the title deeds. My solicitor informs me that as he is on the Pepper Homeloans conveyancing panel he must check that the bank is happy with this discrepancy and is content go ahead. Is my lawyer’s approach correct?
A precondition to being on the Pepper Homeloans approved panel is to comply with the CML Handbook requirements (last updated for this lender on Pepper Homeloans) 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.
Are the lawyers identified as being on the Pepper Homeloans conveyancing panel, together with their details provided by Pepper Homeloans?
The firms themselves provide us confirmation that they are on the Pepper Homeloans conveyancing panel as opposed to being supplied with a list from Pepper Homeloans directly.
I would like to get my ex-husband removed the mortgage deeds. Can Pepper Homeloans really tell me which solicitor I can or can not instruct?
You can use any solicitor you like but Pepper Homeloans then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Pepper Homeloans solicitors panel
I have today made my last payment due on mortgage with Pepper Homeloans. I assume I don't need a solicitor on the Pepper Homeloans panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Pepper Homeloans mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Pepper Homeloans mortgage from the register. Pepper Homeloans,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Pepper Homeloans has sent the Land Registry the discharge electronically, and the Pepper Homeloans has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Pepper Homeloans mortgage has been paid off.
I have a mortgage with Pepper Homeloans. Conveyancing has been completed 12 months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Pepper Homeloans?
Pepper Homeloans must be informed of your intention in advance of renting your property as this is likely to be a breach of Pepper Homeloans’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Pepper Homeloans directly. You need not do this via a Pepper Homeloans conveyancing panel solicitor.
After much negotiation I have agreed a price on a house. My financial adviser suggested a solicitor I paid an upfront payment of 200. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Pepper Homeloans conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Pepper Homeloans panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

Copyright © Lexsure Limited, 2026

Privacy