They can choose from the two options below

Your customer can choose a member from our approved solicitor panel – this contains a vast number of firms across England and Wales. This list may not be representative of the current active panel, which is available in our application portal.

Please note the fee for legal work is not fixed and will vary from case to case.

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 mortgage.

We offer free standard legals or the option of selecting from our wider panel on all remortgages

We offer a free standard legals option on remortgages except Limited Company Buy to Let using our nominated solicitors. In cases where free standard legals apply, we will use Russell & Russell, an experienced and reputable firm, for all conveyancing work. For clients opting for separate representation using their own non panel solicitor Pepper will use a panel firm, legal costs for both firms will be incurred by the customer.

Further information on our free standard legals 

The below are the fees payable to Russell & Russell by the borrower, for their time and expertise in dealing with additional work over and above that required in a standard remortgage transaction, and as such falls outside the Pepper Money “Free Legals” remortgage product offer. For example, An additional charge that is commonly encountered is a £35 + VAT bank transfer fee payable for each item of consolidated debt. Please see below for more information.

In some of these cases, additional fees will also be payable by the borrower to third parties such as the Land Registry, Freeholder, Manager, or HM Revenue & Customs. The borrower will be notified of these additional charges by Russell & Russell. However, below we have set out some of the circumstances and additional charges that may be incurred.

Please note these charges may be subject to change by Russell & Russell.

In a remortgage where there is more than one charge or other encumbrance to be redeemed by Russell & Russell on completion, a fee will be charged for each additional mortgage/loan.

£50.00 plus VAT in each case

Repayment of unsecured debts

Where we require that Russell & Russell repay specified unsecured debts as a condition of the new mortgage including credit cards.

£30.00 plus VAT for each payment that we make (capped at £300 plus VAT)

You can register using our online form, it’s quick and easy so should only take a few minutes.

Once you’ve submitted the registration form you’ll receive an email to verify your account – please click on the link within this email, otherwise, you won’t be able to log in.

If you’re the first person within your company to register with us we’ll also need to verify your company. In most situations we’ll be able to do this within minutes of the registration, however, there may be times this will take longer.

At the moment, we don’t lend on properties in Scotland or Northern Ireland.

However, if your client is looking to buy in England, Wales or on the Isle of Wight, we can help.

We use Equifax credit reports when assessing a mortgage application.

We pay proc fees to the mortgage club, network or packager the case was submitted through within 5 working days of the completion.

If your client fails Electronic Identification, we will notify you of any documents required in the Application Portal.

Find all the material you need for your interesting cases

Forms, product guides, and other useful documents.

Got a question about working with us at Pepper Money? Start here.

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Affordability Calculators

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Please note the results are indicative and should be used as a guide only.

What's next?

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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