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approved by PepperMoneyUK
Ready to buy a new home? Failing to check that a lawyer is on the PepperMoneyUK list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?Is my firm on the Pepper Money (PUK) Conveyancing Panel? How does my firm apply to be on the Pepper Money (PUK) Conveyancing Panel? How can my firm be reinstated onto the Pepper Money (PUK) Conveyancing Panel?
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Examples of recent questions relating to the Pepper Money (UK) Conveyancing Panel
My property lawyer has never been on on the Pepper Money (UK) Solicitor Panel. Can I still retain my preferred solicitor even though they are excluded from the Pepper Money (UK) panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Pepper Money (UK) mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Pepper Money (UK) conveyancing panel additional costs will be incurred as separate legal representation will be required by Pepper Money (UK). Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Can you clarify something for me?. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Pepper Money (UK) was date stamped random date and we have agreed a date for me to move into the property on 10 days inc Day of week eg. Mon. My lawyer informs me that as she is on the Pepper Money (UK) conveyancing panel she needs to reorder the searches as they are now out of date.
A precondition to being on the Pepper Money (UK) approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Pepper Money (UK))which states that a local authority search be not more than 6 months old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Pepper Money (UK).
I have been Googling for online conveyancing estimates. Can I be assured that all the law firms that are listed on your directory are on the Pepper Money (UK) conveyancing panel?
The law firms on our directory have advised us that they are on the Pepper Money (UK) panel and agreed to advise us to take down their listing in the event of removal off of the Pepper Money (UK) panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the Pepper Money (UK) conveyancing panel is incorrect.
My lawyers in London have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with Pepper Money (UK). Is it case that being on the Pepper Money (UK) conveyancing panel they need to have retained the file for a number of years?
Different lenders have different requirements 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 Money (UK) Conveyancing Panel Terms. It might be worth you contacting Pepper Money (UK) directly.
I previously instructed online solicitors located in Bristol who are on the Pepper Money (UK) solicitor panel. They have just invoiced me a separate fee of £175 for dealing with the Pepper Money (UK) mortgage. Is this a supplemental conveyancing fee set by Pepper Money (UK)?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Pepper Money (UK) but by your lawyers. Some firms on the Pepper Money (UK) will charge an ‘acting for lender’ fee and others do not.
I have today made my last payment due on mortgage with Pepper Money (UK). I assume I don't need a solicitor on the Pepper Money (UK) panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Pepper Money (UK) mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Pepper Money (UK) mortgage from the register. Pepper Money (UK),and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Pepper Money (UK) has sent the Land Registry the discharge electronically, and the Pepper Money (UK) has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Pepper Money (UK) mortgage has been paid off.
I currently have a mortgage with with Pepper Money (UK). Conveyancing has been completed months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Pepper Money (UK)?
Your original mortgage agreement with Pepper Money (UK) will provide that you need their approval prior to renting your property as this is likely to be a breach of Pepper Money (UK)’s mortgage conditions. It may be that Pepper Money (UK) will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Pepper Money (UK) directly. It should not be necessary to do this via a Pepper Money (UK) conveyancing panel solicitor.