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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
Pepper Homeloans Solicitor Panel Recently Asked Questions
Is the fact that my solicitor is not identified on the Pepper Homeloans Solicitor panel that there is a problem with the standard of his conveyancing?
That would more than likely be a wrong assumption to make. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal are: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for Pepper Homeloans.
My wife and I changing mortgage lender for our flat with Pepper Homeloans. We have a son 19 who lives with us. The solicitor on the Pepper Homeloans conveyancing panel requested us to identify anyone over the age of 17 other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is repossessed. I have two concerns (1) Is this form unique to the Pepper Homeloans conveyancing panel as he never had to sign this form when we bought 3 years ago (2) Does our son by signing this giving up his rights to inherit the property?
First, rest assured that your Pepper Homeloans conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Pepper Homeloans .This is solely used to protect the Pepper Homeloans if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.
It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Pepper Homeloans had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I note that you have a search directory identifying firms on the Pepper Homeloans conveyancing panel. Do firms pay you a referral fee if I appoint them for my own house purchase?
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.
I was scheduled to move into my dream home yesterday. My lawyer’s firm is on the Pepper Homeloans solicitors panel but has changed address 8 weeks ago and had not advised Pepper Homeloans of their new address. Pepper Homeloans has locked down the release of mortgage funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Pepper Homeloans branch or your mortgage broker to see if they can assist.
Two weeks ago we had a mortgage agreed in principle with Pepper Homeloans. Solicitors have been instructed? What is the average time that one could expect to receive a mortgage offer from Pepper Homeloans?
Some lenders take longer than others. Have Pepper Homeloans conducted the survey? Have you advised Pepper Homeloans as your lawyers details and checked that your lawyer is on the Pepper Homeloans conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
I have paid off my mortgage with Pepper Homeloans. I assume I don't need a solicitor on the Pepper Homeloans panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Pepper Homeloans 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 Homeloans mortgage from the register. Pepper Homeloans,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 Homeloans has sent the Land Registry the discharge electronically, and
the Pepper Homeloans has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Pepper Homeloans mortgage has been paid off.
The for formalities of my purchase has taken place with a mortgage from Pepper Homeloans. Conveyancing was a necessary evil but I would like to complain about Pepper Homeloans. How does one go about formally complaining?
Almost all lenders 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. Ordinarily complaints to Pepper Homeloans are resolved very quickly. However if you are not satisfied that the matter is resolved you can write to the
Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
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Transfer of Equity for Pepper HomeloansPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors