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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.
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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?Find an Approved Solicitor on the Pepper Money (PUK) Conveyancing Panel
Pepper Money (UK) Solicitor Panel Recently Asked Questions
Can you please explain the reason why all UK lawyers are not on the Pepper Money (UK) Solicitor panel?
Before the recession most lenders had an appetite for risk which was higher than today. The Financial Services Authority in 2010 conducted a thematic review into mortgage fraud which concluded: know the conveyancing solicitors that you are dealing with. Consequently, lenders have regularly sought more information from law firms about their operations and the individuals who work for them and set certain criteria such a completing on a minimum number of transactions. Many firms that have been excluded from lender panels have 100% healthy track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Such firms were never going to meet the criteria of volume of transactions the lenders required.
Please help. My conveyancer is advising me that he is legally obliged to order a Local Authority search because the firm are on the Pepper Money (UK) conveyancing panel. Is this really necessary?
You have limited options available to you. 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.
Do lenders provide you with an approved list of solicitors? How do you know who is on the Pepper Money (UK) conveyancing panel?
The firms themselves provide us confirmation that they are on the Pepper Money (UK) conveyancing panel as opposed to being supplied with a list from Pepper Money (UK) directly.
I am attempting to get my ex-wife removed the mortgage deeds. Can Pepper Money (UK) really tell me which solicitor I can or can not instruct?
You can use any solicitor you like but Pepper Money (UK) 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 (UK) solicitors panel
Is there a list of Pepper Money (UK) panel conveyancers on the Council of Mortgage Lender’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
I have paid off my 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. Please confirm
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.
Intending to buy a house with a mortgage with Pepper Money (UK). I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Pepper Money (UK) conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Pepper Money (UK) conveyancing panel
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Transfer of Equity for Pepper Money (UK)Please note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors