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FAQs : The Pepper Money Solicitor Panel
We are purchasing a 3 bedroom flat in Leeds with a mortgage from Pepper Money. We would like to retain our solicitor but Pepper Money says he's not on their "panel". We have to appoint one of the Pepper Money panel firms or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Pepper Money conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Pepper Money
Our lawyer has discovered a problem with the lease for the apartment we are buying. The other side have offered defective title insurance as a workaround. We are content with insurance and will pay for it. Our lawyer has advised that as he is on the Pepper Money conveyancing panel he must check that the lender is happy with this solution. Are we the client or is Pepper Money?
Just because you have a mortgage offer from Pepper Money 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 Money are the client. The appropriate lender requirements must be adhered to by the Pepper Money conveyancing panel who has to balance acting for you and Pepper Money
I am Googling for conveyancing quotes online. Can I be confident that all the law firms that are listed on your site are on the Pepper Money conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the Pepper Money panel and agreed to advise us to take down their listing in the event of removal off of the Pepper Money panel. To date we have not been informed by either a mortgage company or a member of the public that the data about a specific firm being on the Pepper Money conveyancing panel is incorrect.
I am trying to get my former partner taken off the mortgage deeds. Can Pepper Money really tell me which solicitor I can or can not use?
You can use any solicitor you like but Pepper Money then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Pepper Money solicitors panel
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Pepper Money conveyancing panel?
A selection of banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to remain on their approved list of firms.
Is it the case that all conveyancing lawyers on the Pepper Money conveyancing panel work on a no sale no fee basis?
There is generally 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
I have had an offer accepted on a flat I spoke to a conveyancer previously used by my dad and he recommended using a property lawyers approved by Pepper Money. The estate agent recommended two local firms so I asked Pepper Money if the 2 suggested solicitors are approved, which they are not. Pepper Money suggested that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Pepper Money 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Pepper Money for conveyancing panel firms in your area. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the Pepper Money conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Pepper Money conveyancing panel as it may only take about 2-3 weeks. As long as they meet Pepper Money’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
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