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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.

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Pepper Money (UK) Conveyancing Panel Recently Asked Questions

I instructed a firm of solicitors to work on my purchase three weeks ago having applied for a mortgage with Pepper Money (UK). The firm assured me that they are on Pepper Money (UK) conveyancing panel and provided me their panel number. Pepper Money (UK) then ,via my broker advised that their panel number was dormant and would need to be reactivated. What happens next? Should I appoint a new solicitor currently on the approved panel for Pepper Money (UK)?
The answer depends on whether you still have confidence in the said solicitors and how long it will take for the firm to be reinstated on the Pepper Money (UK) conveyancing panel You may wish to enlist the help of your broker to check with the Pepper Money (UK) as to how long they think it will take to get the firm to get back on the panel.
Please help. My solicitor is informing me me that she is duty-bound to apply for a Local Authority search as the firm are on the Pepper Money (UK) conveyancing panel. Is this really necessary?
Unfortunately both you and your lawyer have little choice here. As you are taking a mortgage with Pepper Money (UK) your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Pepper Money (UK)’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Pepper Money (UK). even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I see that you have a post code search directory listing law firms on the Pepper Money (UK) conveyancing panel. Do firms pay you a referral fee if I instruct them for my house purchase?
We are a listing service only for law firms wishing to communicate if they are on the Pepper Money (UK) conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
Can you clarify what the consequences are if my lawyer’s firm is expelled from the Pepper Money (UK) Solicitor panel before completion?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
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 was told three weeks ago that my mortgage has been agreed to by Pepper Money (UK). Is it usual for Pepper Money (UK) to only issue the offer once my solicitor is approved on their conveyancing panel?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Pepper Money (UK) to deal with your lawyers application to be on the Pepper Money (UK) conveyancing panel. There's no guarantee that your solicitors will be accepted.
Pepper Money (UK) 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 Money (UK) or your broker and complete any relevant paperwork. Pepper Money (UK) will tell you what documents they want. Pepper Money (UK) 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 Money (UK) 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.