Examples of recent questions relating to the Pepper Homeloans Conveyancing Panel from members of the public
My Solicitor is not listed on the Pepper Homeloans Conveyancing Panel. Can I still use my family solicitor even though they are excluded from the Pepper Homeloans approved list?
You have a number of options available to you here:
- Carry on with your preferred lawyers but Pepper Homeloans will need to instruct a lawyer on the Pepper Homeloans conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Pepper Homeloans conveyancing panel.
- Urge your lawyer to apply to join the Pepper Homeloans lender panel
My conveyancer is asking me for personal identification documents asserting that this is part of his legal duty as a solicitor on the Pepper Homeloans Solicitor panel. Can this be correct?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that Pepper Homeloans also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with Pepper Homeloans CML Handbook requirements last updated on Pepper Homeloans
Whilst your website is a good idea there are many lawyers listed near London on the Pepper Homeloans conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the conveyancing panel for Pepper Homeloans ?
We do not recommend specific firms 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..
I am buying a semi-detached house and getting a mortgage with Pepper Homeloans. Can I do my own 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.
I have a mortgage with Pepper Homeloans. My godfather retired last week and wants to pay off my mortgage. After Pepper Homeloans is paid, I want to transfer the property to my mother's name; How long will it roughly take? Do we need two separate solicitors on the Pepper Homeloans conveyancing panel? I do not intend to live at the property once the Pepper Homeloans mortgage is discharged.
You
will need a solicitor but they need not be on the Pepper Homeloans conveyancing panel.
You will need a solicitor to draw up the transfer and
to deal with the Land Registry formalities. The only thing you need to
consider is that by selling at an undervalue so ask your lawyer about
the implications. There could be an inheritance tax issue if you die
within 7 years of this. As the property is your main residence you need
not pay CGT but you should speak with your accountants in any event.
On the whole I have been dissatisfied 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.
Pepper Homeloans have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Pepper Homeloans or your broker and complete any relevant paperwork. Pepper Homeloans will tell you what documents they want. Pepper Homeloans will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Pepper Homeloans will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
