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Ready to buy a new home? Failing to check that a lawyer is on the Pepper list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?How does my firm apply to be on the Pepper Homeloans Conveyancing Panel? How can my firm be reinstated onto the Pepper Homeloans Conveyancing Panel?
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Frequently asked questions relating to the Pepper Homeloans Conveyancing Panel
The solicitor my husband and I had intended to instruct on a remortgage said he would charge more if my lender is due to their unusual legal requirements. Am I likely to be frustrated using Pepper Homeloans? Is Pepper Homeloans conveyancing so much more difficult?
Pepper Homeloans conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Pepper Homeloans conveyancing panel. If they are not, this does add further risk of delay as Pepper Homeloans will appoint their own solicitors to look after their interest.
Our conveyancer has informed me that he requires ID documents asserting that this is part of his requirements as a conveyancer on the Pepper Homeloans Solicitor panel. Is this right?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with Pepper Homeloans your lawyer also has to check ID documents to satisfy Pepper Homeloans
I require the services of a Pepper Homeloans panel solicitor in Belfast. Can you assist?
Unfortunately it’s not apparent why you need a Pepper Homeloans panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Pepper Homeloans to find out which solicitors in Pepper Homeloans are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
I am selling my house. Does my solicitor have to be on the Pepper Homeloans conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Pepper Homeloans conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Do the majority of banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Pepper Homeloans conveyancing panel requirements are different to Pepper Homeloans’s conveyancing panel criteria.
The for formalities of my purchase has taken place with a mortgage from Pepper Homeloans. Conveyancing was of an acceptable standard but I would like to complain about Pepper Homeloans. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the Pepper Homeloans branches or the Customer Services Department at Pepper Homeloans head office. In most cases complaints to Pepper Homeloans are sorted out effectively and efficiently. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I am due to exchange contracts on my flat. I had a double glazing fitted in month 8 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Pepper Homeloans are being a right pain. The solicitor who is on the Pepper Homeloans conveyancing panel is saying indemnity insurance will be fine but Pepper Homeloans are requiring a building regulation certificate. Why do Pepper Homeloans have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Pepper Homeloans have referred the matter to their valuer. The reason why Pepper Homeloans may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.