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Ready to buy a new home? Failing to check that a lawyer is on the PepperMoneyUK 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 Money (PUK) Conveyancing Panel? How can my firm be reinstated onto the Pepper Money (PUK) Conveyancing Panel?Find an Approved Solicitor on the Pepper Money (PUK) Conveyancing Panel
Common questions asked concerning the Pepper Money (UK) Conveyancing Panel
I am selling my apartment and the estate agent has just texted me to advise that the purchasers are swapping property lawyer. I am told that this is due to the fact that Pepper Money (UK) will only work with solicitors on their approved list. Why would a major mortgage company only work with certain lawyers?
Mortgage companies have always had an approved set of law firms they are willing to work with, but in the past few years big names such as HSBC, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for decades.
Banks point to the increase in fraud by way of justification for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.
We are only a couple days away from an exchange and my mum and dad having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Pepper Money (UK). I am advised that, being on the Pepper Money (UK) conveyancing panel and acting on their behalf he must inform Pepper Money (UK) if the balance of the mortgage advance is not just from me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with Pepper Money (UK) to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Pepper Money (UK) if you agree, failing which, your lawyer must cease to continue acting.
I require the services of a Pepper Money (UK) panel solicitor in Stirling. Can you assist?
Unfortunately it’s not apparent why you need a Pepper Money (UK) panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Pepper Money (UK) to find out which solicitors in Pepper Money (UK) are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
My house is up for sale and I have a buyer. Does my solicitor have to be on the Pepper Money (UK) conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Pepper Money (UK) 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.
Two weeks ago we had a mortgage agreed in principle with Pepper Money (UK). Solicitors have been appointed? How long does it take for Pepper Money (UK) to send the offer to our conveyancer
There is no definitive answer here. Have Pepper Money (UK) completed the valuation? Have you advised Pepper Money (UK) as your lawyers details and checked that your lawyer is on the Pepper Money (UK) conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Pepper Money (UK) have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with Pepper Money (UK) your lawyer must to check the Pepper Money (UK) conveyancing instructions contained in the Part of CML Handbook for Pepper Money (UK) . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Pepper Money (UK) where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
The for formalities of my remortgage has taken place with a loan from Pepper Money (UK). Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about Pepper Money (UK). How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the Pepper Money (UK) branches or the Customer Services Department at Pepper Money (UK) head office. Ordinarily complaints to Pepper Money (UK) 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.
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Transfer of Equity for Pepper Money (UK)Please note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors