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Pepper Homeloans 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 Homeloans Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Pepper Homeloans Conveyancing Panel?
Check your firm’s panel Status

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 system optimises the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Pepper Homeloans’s changes. While utilising COMPLETIONmonitor is not a condition for acceptance on the Pepper Homeloans panel, demonstrating you can remain up to date with Pepper Homeloans’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your firm’s panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces SRA and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by Pepper Homeloans

Mortgage companies often 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, over time:

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,
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Pepper Homeloans Conveyancing Panel : Questions and Answers from members of the public

My husband and I are buying a 3 bedroom flat in London with a mortgage from Pepper Homeloans. We have a solicitor but Pepper Homeloans says she’s not on their "panel". We have to appoint one of the Pepper Homeloans panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Pepper Homeloans use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Pepper Homeloans conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your lawyer to apply to be on the conveyancing panel for Pepper Homeloans
I do hope you can help me. My conveyancer is advising me that he has to order a Local Authority search because the firm are on the Pepper Homeloans approved lawyer panel. Is this really necessary?
You have limited options available to you. Given that you are taking out a loan with Pepper Homeloans your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Pepper Homeloans’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Pepper Homeloans. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I need to find a Pepper Homeloans panel solicitor in Inverness. Can you assist?
Unfortunately it’s not apparent why you need a Pepper Homeloans panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Pepper Homeloans to find out which solicitors in Pepper Homeloans are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
The solicitors that just started acting on my house acquisition in Manchester has suddenly closed. I only went with them because I had to have a solicitor on the Pepper Homeloans conveyancing panel and my family lawyer was not. I gave them a cheque for £150 in advance. What are my options?
Assuming that you have an Estate Agent in the equation then let them know straight away so that they advise the vendors that there may be a slight delay due to the problems encountered. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Pepper Homeloans conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors may be able to help
We are getting a further advance on our mortgage from Pepper Homeloans as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the Pepper Homeloans conveyancing panel to deal with the legals?
Pepper Homeloans do not ordinarily appoint firms on their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Pepper Homeloans list
Is it common for Pepper Homeloans to withdraw a mortgage offer and what would be the reasoning?
Banks and Building Societies such as Pepper Homeloans can revoke their mortgage offer although this rarely happens. should Pepper Homeloans withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are 5 examples:
  • Where information comes to Pepper Homeloans ‘s attention regarding the customers or the security that they were not aware of prior to offer that affects their original decision to lend
  • Many mortgage offers have an expiry date. Your lawyer should check this. Pepper Homeloans may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
  • Where the lender has to take account a recent change in taxation
  • Where the sale is not at arms length for value to unconnected persons
  • If the solicitor on the Pepper Homeloans conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with Pepper Homeloans ‘s instructions
The for formalities of my purchase has taken place with a mortgage from Pepper Homeloans. Conveyancing was a necessary evil but I would like to complain about Pepper Homeloans. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the Pepper Homeloans branches or the Customer Services Department at Pepper Homeloans head office. In most cases complaints to Pepper Homeloans are resolved very quickly. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

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