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Ready to buy a new home? Failing to check that a lawyer is on the PepperMoney list of approved solicitors can put your transaction at risk of delay or failure.
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My Solicitor has never been on on the Pepper Money Conveyancing Panel. Is it possible for me to continue with my preferred solicitor even though they are not on the Pepper Money panel of approved conveyancing solicitors?
The most common options here are as follows:
- Complete the purchase with your preferred lawyers but Pepper Money will need to instruct a lawyer on the Pepper Money conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Pepper Money conveyancing panel.
- Convince your lawyer to do everything within their powers to join the Pepper Money conveyancing panel
We are nearing an exchange and my parents having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Pepper Money. Apparently, being on the Pepper Money conveyancing panel and acting on their behalf he must inform Pepper Money if the balance of the mortgage advance is not just from me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with Pepper Money to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Pepper Money if you agree, failing which, your lawyer must cease to continue acting.
Do all the licensed conveyancers and solicitor practices listed on your search have online case tracking as I was under the impression that this was a precondition of being on the Pepper Money conveyancing panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I am in the process of mortgaging my house does my lawyer need to be on the Pepper Money Conveyancing panel?
There is nothing to stop you using your solicitor but Pepper Money will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
I previously instructed online solicitors located in Manchester who are on the Pepper Money solicitor panel. They are now charging me a separate fee of £175 for the legal aspects of the Pepper Money mortgage. Is this a supplemental conveyancing fee set by Pepper Money?
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 but by your lawyers. Some firms on the Pepper Money will charge an ‘acting for lender’ fee and others do not.
My fiance and I are in the throws of looking at flats and now considering a potential offer. Is it best to have a conveyancer on ‘stand by’? I intend to finance via a home loan with Pepper Money
It would be sensible to have your start your search soon rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Pepper Money , ask your prospective lawyers check they are on the Pepper Money conveyancing panel otherwise they can't do the mortgage legal work.
I have paid off my mortgage with Pepper Money. I assume I don't need a solicitor on the Pepper Money panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Pepper Money 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 mortgage from the register. Pepper Money,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 has sent the Land Registry the discharge electronically, and
the Pepper Money has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Pepper Money mortgage has been paid off.
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