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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.
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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?Find an Approved Solicitor on the Pepper Homeloans Conveyancing Panel
Common questions asked concerning the Pepper Homeloans Solicitor Panel
My mortgage broker has says he needs my solicitor’s panel member for the Pepper Homeloans conveyancing panel. Can you suggest how I find this out. I have e-mailed my local Pepper Homeloans office but they don't know it.
the sensible thing to do is ask for this information from your solicitor. They should have a central record lender panel numbers including the Pepper Homeloans panel reference.
Please assist. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Pepper Homeloans was date stamped random date and we have agreed a date for me to move into the property on 6. My lawyer says that as she is on the Pepper Homeloans conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
One of the many conditions to being on the Pepper Homeloans approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Pepper Homeloans)which specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Pepper Homeloans.
I see that you have a post code search directory listing solicitors on the Pepper Homeloans conveyancing panel. Do firms pay you a commission if I instruct them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Pepper Homeloans conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
The solicitors that I recently instructed on my house acquisition in Brighton has suddenly shut down. They were on acting for me because I needed a lawyer on the Pepper Homeloans conveyancing panel and my family lawyer was not. I gave my credit card details for them to take £175 for searches. What are my options?
If you have an estate agent involved then inform them straight away so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Pepper Homeloans conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers should be in a position to help
I previously instructed online conveyancers located in Bristol who are on the Pepper Homeloans solicitor panel. They are now charging me a separate fee of £175 for dealing with the Pepper Homeloans mortgage. Is this a supplemental conveyancing fee specified by Pepper Homeloans?
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 Homeloans but by your lawyers. Some firms on the Pepper Homeloans will charge an ‘acting for lender’ fee and others do not.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to proceed? I plan to obtain a mortgage with Pepper Homeloans. Is it possible to avoid using solicitors to save on the costs? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Pepper Homeloans involved you will need to appoint a solicitor on the Pepper Homeloans conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Pepper Homeloans. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Pepper Homeloans conveyancing panel.
I currently have a mortgage with with Pepper Homeloans. Conveyancing has been completed some time ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Pepper Homeloans?
Pepper Homeloans must be informed of your intention prior to renting your property as this is likely to be a breach of Pepper Homeloans’s mortgage conditions. It may be that Pepper Homeloans will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Pepper Homeloans directly. It should not be necessary to do this via a Pepper Homeloans conveyancing panel firm.
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