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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
Q and A’s regarding the Pepper Homeloans Conveyancing Panel
My IFA has says he needs my solicitor’s panel member for the Pepper Homeloans conveyancing panel. Can you suggest how I obtain this. I have tried my local Pepper Homeloans branch but they cant find it on their system.
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.
My partner and I are refinancing our apartment with Pepper Homeloans. We have a son approaching twenty who lives with us. The solicitor on the Pepper Homeloans conveyancing panel requested us to identify any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the flat is repossessed. I have a couple of concerns (1) Is this document specific to the Pepper Homeloans conveyancing panel as he did not need to sign this form when we bought 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong 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.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Pepper Homeloans conveyancing panel. My lawyer has said that they are on the Pepper Homeloans approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Pepper Homeloans conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Pepper Homeloans solicitor panel.
Can you clarify what the consequences are if my solicitor is removed from the Pepper Homeloans Solicitor panel in advance of the moving date as agreed at exchange of contracts?
First, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
When it comes to lenders such as Pepper Homeloans do lawyers have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
Completion of my purchase has taken place with a loan from Pepper Homeloans. Conveyancing was satisfactory but I would like to complain about Pepper Homeloans. How does one go about formally complaining?
Most lenders have complaints procedures. Your first point of contact 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 very quickly. If you feel that the matter is not resolved you can write to the
Financial Ombudsman Service with full details of your complaint.
After much negotiation I have agreed a price on an apartment. My financial adviser pressured me to appoint their lawyers I paid an upfront payment of 200. 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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Transfer of Equity for Pepper HomeloansPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors