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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.

Find a Law Firm approved by Pepper
Find a Law Firm approved by Pepper

Find an Approved Solicitor on the Pepper Homeloans Conveyancing Panel

Q and A’s regarding the Pepper Homeloans Solicitor Panel

A solicitor my fiance and I wanted to use for conveyancing 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? Any comments will be appreciated
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.
Expecting to complete my purchase next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for Pepper Homeloans. What risks do Pepper Homeloans expect the insurance to cover?
Any lawyer on the Pepper Homeloans conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Pepper Homeloans’s Part 2 requirements of the CML Handbook (last updated on Pepper Homeloans). Being on the Pepper Homeloans conveyancing panel your lawyer is expect to follow these instructions.
What tools are available to find a local solicitor on the Pepper Homeloans conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the solicitor.
Feel free to make use of the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Pepper Homeloans solicitor panel.
I am in the process of remortgaging my home does my lawyer have to be on the Pepper Homeloans Solicitor panel?
In theory, you could use a solicitor that is not on Pepper Homeloans conveyancing panel, but Pepper Homeloans would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
I am buying a property where the roof has a solar panel. Pepper Homeloans have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Pepper Homeloans your lawyer must to check the Pepper Homeloans conveyancing instructions contained in the Part of CML Handbook for Pepper Homeloans . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Pepper Homeloans where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
Can I register a complaint to Pepper Homeloans about the lawyers being on the Pepper Homeloans conveyancing panel?
Complaining to Pepper Homeloans about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

After much negotiation I have agreed a price on an apartment. My mortgage broker pressured me to appoint their lawyers I paid an upfront payment of 150. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Pepper Homeloans conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Pepper Homeloans panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

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