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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 system optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Pepper Homeloans’s changes. Even though using this technology 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 an excellent support to your application to their lender panel and, more importantly, safeguard your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will enhance 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

Lenders 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, 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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Frequently asked questions relating to the Pepper Homeloans Conveyancing Panel from members of the public

On what basis could a firm of solicitors be excluded from the Pepper Homeloans solicitor panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of law firms had been excluded from a lender panel. The top reasons in order are :
  1. Low volume of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by Pepper Homeloans
Our conveyancer has identified a problem with the lease for the apartment we are purchasing. The other side have put forward title insurance as a solution. We are content with insurance and will pay for it. Our solicitor has advised that as he is on the Pepper Homeloans conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Pepper Homeloans?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Pepper Homeloans are the client. 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). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Pepper Homeloans can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Pepper Homeloans conveyancing panel. My lawyer has said that they are on the Pepper Homeloans 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 Homeloans 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 Homeloans solicitor panel.
The solicitors that I appointed last week on my house acquisition in Hendon has suddenly shut down. I chose them because I had to have a solicitor on the Pepper Homeloans conveyancing panel and my preferred 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 immediately so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should 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 lawyers should be in a position to help
Can you point me to a directory of Pepper Homeloans panel conveyancers on the Council of Mortgage Lender’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.
Is it the case that all conveyancing lawyers on the Pepper Homeloans conveyancing panel work on a no move no charge basis?
In the main there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Pepper Homeloans be concerned
Given that you are obtaining a mortgage with Pepper Homeloans your lawyer must to check the Pepper Homeloans conveyancing instructions contained in the Part of CML Handbook for Pepper Homeloans . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Pepper Homeloans where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.

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