Solicitor Panel

We make specialist mortgage cases easier

For our first charge 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.

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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 (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. Repayment of commitments

Where your customer is raising monies to consolidate outstanding secured or unsecured commitments and that these are required to be repaid as a condition of the mortgage, our nominated solicitor will be required to repay them directly to the providers on completion.

Our nominated solicitor will charge a CHAPs or TT fee for each commitment that is to be repaid

In order to repay the commitments our nominated solicitor will ask you to provide specific information:

  • For credit cards, fully completed “Credit Cards to be repaid” document which will confirm the current balance, the sixteen-digit number and the bank details of the provider so that the monies can be to be transferred to clear the balance by the nominated solicitor – this should include the sort code, account number and bank account name
  • For loans, an up-to-date redemption statement (which is usually valid for 28 days) confirm the amount required to settle and close the account. This should include the sort code, account numbers and bank account name

Our nominated solicitor will pay off the commitments when they receive the funds. They will send the customer a completion statement listing what has been repaid. Please note it may take up to 5 working days to see that the loan account has been settled or that the credit card balances have been cleared. This is because the provider has to retrieve the funds sent by the solicitor and then settle the account. If you have any concerns with an account, you are expecting to be repaid contact should be made with the provider in the first instance.

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.

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 the free legal provider directly.

Need help with your first charge 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.