Solicitor Panel

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We make specialist mortgage cases easier

For our mortgages your customer can choose from the three options below:

Option 1: Joint representation

Your customer can choose a member from our approved solicitor panel – this is usually the cheapest option for the customer.

Use part of the Solicitor Name or Address to locate a Pepper Panel Solicitor, the list will update as you type.

Option 2: Separate representation

Your customer can also choose to be represented by a solicitor or conveyancer that isn’t on our panel. In this situation, we’ll use a firm from our panel and your customer will be responsible for covering the costs of both firms being used for the Conveyancing work. With separate representation, your customer’s solicitor or conveyancer will only act for your customer and will only communicate with the firm acting for
Pepper Money. This option is available for purchases and remortgages.


Please also note, as there are two firms of solicitors involved in separate representation applications, it is likely to take longer to complete your customer’s application compared with a joint representation instruction.

Option 3: Free Standard Legals

We offer a free standard legals option on remortgages for our existing customer products (except Limited Company Buy to Let) using our nominated solicitors. With free standard legals your customer is not represented, and our nominated solicitor only acts for Pepper Money. This means your customer will not receive legal advice in relation to a standard remortgage transaction.

We will cover the costs required for a standard remortgage transaction. There are additional costs that apply dependant on the circumstances of the remortgage and any additional legal work which is required as part of that transaction. The most common reasons for this are

1. Repaying of commitments

Any commitments which you have advised your broker will be repaid upon or prior to completion will be listed in your mortgage offer. Once you have received your offer, please ensure these are correct and contact your broker should there be any discrepancies.

We will inform our solicitors which debts are to be repaid on completion as a condition of our mortgage offer. The funds will be sent from our solicitor to the providers directly, so we need to capture the correct information to ensure the debts are repaid.

The solicitors will need: an up-to-date statement from your loan provider(s) dated within the last 28 days

  1. A Loan Redemption or Credit Card Statement – dated within the last 28 days from each provider.
  2. The Provider’s bank account details (e.g., sort code, bank account number and name of account) so the solicitor can transfer the money directly to repay the debt at completion

The solicitors are unable to request this directly from them so once you receive your offer, you’ll need to request this yourself and send this to the solicitor.

2. Transfer of Equity

Your customer’s remortgage application will involve a transfer of equity when someone is either being added to or removed from the title of the property (for example, if you are adding a new partner to the tile of the property and mortgage who now lives with you or removing an ex-partner as a result of separation or divorce).

At additional cost, our nominated solicitor can deal with a transfer of this nature. However, if someone is being removed from the mortgage, we strongly recommend that the family solicitor deals with this work as they will have greater knowledge of your circumstances.

There are also additional costs to outgoing parties because they will need to obtain independent legal advice. This means that they will need to ask another solicitor to advise them of their removal from the mortgage and title to the property. This necessary to ensure our nominated solicitor can see evidence that their identity has been fully verified and to avoid any potential risks to a transfer of this nature and provide protection (for example, the transfer taking place without the knowledge of one party, or if the party has been unfairly influenced into agreeing to the transfer).

Transfers of equity can take some time due to the number of parties that can be involved in the transactions and the nature of the work. Our mortgage offers are valid for 90 days, so it is advisable to fully understand the legal process so that all parties involved are aware of the requirements placed on them as part of the transaction. There will be circumstances where other fees will apply.

A list of fees for any additional legal work required can be obtained from our Free Legals Remortgage Guide.

  • To support all the necessary legal requirements that come with borrowing, your customer will need a solicitor.

Need help with your mortgage case?

To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.

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