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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

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

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

The system creates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Pepper Homeloans

Mortgage companies often vary 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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FAQs : The Pepper Homeloans Conveyancing Panel from members of the public

The lawyer my husband and I had intended to instruct on a remortgage said she will levy higher legal fees if my mortgage is with Pepper Homeloans due to their unusual legal requirements. Will I regret using Pepper Homeloans? Any comments will be appreciated
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.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Pepper Homeloans will not agree to this. Why was Pepper Homeloans even consulted?
Your lawyer being on the Pepper Homeloans conveyancing panel is duty bound to inform Pepper Homeloans of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Pepper Homeloans then they would have to discontinue acting for you and Pepper Homeloans.
I note that you have a search directory listing law firms on the Pepper Homeloans conveyancing panel. Do firms pay you a referral fee if I instruct them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Pepper Homeloans conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am purchasing a new build flat and getting a mortgage with Pepper Homeloans. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Pepper Homeloans conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Pepper Homeloans conveyancing panel in your location.
We expect to receive a DIP from Pepper Homeloans this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Pepper Homeloans recommend a solicitor on the Pepper Homeloans 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 Homeloans conveyancing panel. The solicitor represents both you and the Pepper Homeloans through the process.
I am currently in the process of buying my council flat. I have a mortgage agreed with Pepper Homeloans. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Pepper Homeloans you will need to appoint a solicitor on the Pepper Homeloans conveyancing panel.
Can I register a complaint to Pepper Homeloans about the lawyers being on the Pepper Homeloans conveyancing panel?
There is little point in complaining directly to Pepper Homeloans. Every solicitor firm and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

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