Pepper Homeloans Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk mitigation tool.

This system is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Pepper Homeloans’s changes. While using COMPLETIONmonitor 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 a helpful support to your application to their lender panel and, just as importantly, safeguard your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in a PII saving.

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Banks and building societies often change their requirements. The UK Finance Lenders’ Handbook requirements 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 2008, Pepper Homeloans has made 72 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 37.9 days. In total, 34% of the sections of P2 of the UK Finance Lenders’ Handbook for Pepper Homeloans have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
1.7 06/07/2017 CML
General Mortgage Instructions
Contact details at Pepper Homeloans for conveyancing panel lawyers to if Pepper Homeloans will lend when borrower and mortgagor are not one and the same.
5.5.3d 06/07/2017 CML
Certificates of Lawful Use
Pepper Homeloans panel lawyers clarification as to whether they need to send any certificates of lawful use or development/established use certificates
Lack of Planning Permission Indemnity Insurance
6.3.1 06/07/2017 CML
Purchase Price
Contact details at Pepper Homeloans for approved lawyers to used where there are any issues relating to purchase price.
6.6.1 06/07/2017 CML
Buy to Let Conveyancing
Contact details at Pepper Homeloans for conveyancing panel lawyers were the subject property is let/to be let and to check Pepper Homeloans lend on buy-to-let.
5.4.6 17/11/2016 CML
Conveyancing Searches: Search Insurance
Pepper Homeloans panel lawyers clarification as to whether they accept search insurance and, if yes, the Pepper Homeloans requirements
Local Search Indemnity Insurance
14.2.2 09/09/2015 CML
Post Completion Conveyancing
Which documents should approved lawyersfor Pepper Homeloans send the title deeds and documents following completion?
16.5.3b 09/09/2015 CML
Deed of Rectification
Where do solicitors and conveyancers send the deed of rectification in relation to Pepper Homeloans mortgages ?
4.5b 09/09/2015 CML
Certificates of Title
Contact details at Pepper Homeloans for conveyancing panel/approved lawyers where COT should be sent
5.14.12 09/09/2015 CML
Leasehold Conveyancing
Pepper Homeloans panel lawyers leasehold conveyancing requirements : requirement as to whether a clear ground rent/service charge receipt needs to be sent to them
5.15.2c 09/09/2015 CML
Leasehold Conveyancing : Management Company
Pepper Homeloans panel lawyers leasehold conveyancing requirements : requirement as to whether a copy of the signed blank stock transfer form needs to be sent to them

Last update 17/11/2018

FAQs : The Pepper Homeloans Conveyancing Panel from members of the public

Much to my surprise I have been told by my IFA that my the law firm I have appointed is not on the Pepper Homeloans Conveyancing panel. What can I do to be sure that this is correct?
The best course of action for you to take is to contact your lawyer directly. You lawyer should advise you of the situation. If they are not on the panel they may recommend you to a firm that is on the the approved Pepper Homeloans solicitor panel.
Our lawyer has uncovered a defect with the lease for the property we are purchasing. The seller’s lawyers have put forward defective title insurance as a workaround. We are happy 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. Are we the client or is Pepper Homeloans?
Just because you have a mortgage offer from Pepper Homeloans does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Pepper Homeloans are the client. The appropriate lender requirements have to be complied with by the Pepper Homeloans conveyancing panel who has to balance acting for you and Pepper Homeloans
I need to find a Pepper Homeloans panel solicitor in Inverness. Could you help me?
It is not clear 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. After all the cost is only one £1 a month
My house is up for sale and I have a buyer. Does my solicitor have to be on the Pepper Homeloans conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Pepper Homeloans conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Pepper Homeloans conveyancing panel?
It is true that some lenders now use CQS as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
In what circumstances might Pepper Homeloans amend or withdraw their mortgage offer?
Banks and Building Societies such as Pepper Homeloans can withdraw their mortgage offer although this is unusual. should Pepper Homeloans withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are many potential reasons but here are 5 examples:
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where to proceed with the Mortgage offer would be unlawful
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
  • Where the Lender’s right to possession is fettered in some way
  • If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;
I am selling my apartment. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Pepper Homeloans are being problematic. The solicitor who is on the Pepper Homeloans conveyancing panel is recommending indemnity insurance as a solution but Pepper Homeloans are insisting on a building regulation certificate. Why do Pepper Homeloans have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Pepper Homeloans have referred the matter to their valuer. The reason why Pepper Homeloans may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.