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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 an online pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers. It is a unique risk management tool.

This software 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. Notwithstanding that using this technology 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 application to their lender panel and, just as importantly, safeguard your firm’s panel status.

The system creates real-time alerts, automatically produces compliance and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for some firms, leads to a PII saving.

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,
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Pepper Homeloans Solicitor Panel Recently Asked Questions from members of the public

I instructed a solicitor to carry out on my purchase six weeks ago having applied for a mortgage with Pepper Homeloans. The law firm assured me that they are on Pepper Homeloans conveyancing panel and provided me their panel number. Pepper Homeloans then ,via my broker advised that their panel number was dormant and would need to be reactivated. What happens next? Should I appoint a new solicitor currently on the approved panel for Pepper Homeloans?
You may be very frustrated with the lawyer but if it only go take a few more days they it may be worth waiting as, depending on how far progressed you are you may end up delaying the transaction by a number of weeks if you need to replace your solicitor You may wish to enlist the help of your broker to check with the Pepper Homeloans as to the time frame to get your lawyer reinstated on the panel once again.
Can you help?. My lawyer is not to blame but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Pepper Homeloans was dated random date and we have agreed a date for me to move into the property on 6. My lawyer says that as she is on the Pepper Homeloans conveyancing panel she needs to redo the searches as they are now out of date.
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 specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Pepper Homeloans.
Your search tool is useful but there are many lawyers listed near Coventry on the Pepper Homeloans conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the Pepper Homeloans approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
My lawyers in London have advised me that no longer have my conveyancing file. To assist with my purchase I took out a mortgage with Pepper Homeloans. Is it case that being on the Pepper Homeloans conveyancing panel they need to have retained the file for a prescribed period?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Pepper Homeloans Conveyancing Panel Terms. It might be worth you contacting Pepper Homeloans directly.
Why might a lender such as Pepper Homeloans withdraw a mortgage offer?
Banks and Building Societies such as Pepper Homeloans can revoke their mortgage offer although this is unusual. If 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 a number of 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
  • Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Pepper Homeloans conveyancing panel solicitors would be obliged to notify Pepper Homeloans of a change in the price of the property.
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
My fiance and I are in the throws of viewing apartments and now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a home loan with Pepper Homeloans
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Pepper Homeloans , make sure you remember to check that your lawyer is on the Pepper Homeloans conveyancing panel.
I have not been happy with the level or service received from my lawyer. Is there a Pepper Homeloans conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to Pepper Homeloans about their conveyancing panel is unlikely to yield much of a response. All solicitors 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 addressed 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.