Solicitor Panel

To support all the necessary legal requirements that come with borrowing, your customer will need a solicitor. They can choose from the two options below: 

Joint representation

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. 

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 mortgage.

Free legals on all remortgages  

We offer free legals on all remortgages. In these cases we will use Russell & Russell, an experienced and reputable firm, for all conveyancing work.

Additional charges

Additional charges may apply to Pepper remortgage cases and are payable by the borrower to Russell & Russell

These are 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 fall outside the Pepper “Free Legals” remortgage product offer.

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 additional charges that may apply in this scenario.

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

In a re-mortgage 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.

Additional cost: £50.00 plus VAT in each case

  1. If the borrower wishes to have any balance monies, due to them on completion, forwarded directly to their bank account by same day bank transfer.
  2. If an existing secured lender requires redemption of their account by bank transfer.
  3. If the borrower requests a bank transfer to redeem a loan account.
  4. Returning funds to us – where the borrower decides not to proceed with the remortgage on a particular day after mortgage funds have been released to Russell & Russell.

Additional cost: £35.00 plus VAT for each bank transfer

Where Russell & Russell is required to investigate bankruptcy entries.

Additional cost: £100.00 plus VAT 

If a borrower has changed their name since the date the property was acquired, Russell & Russell will check and register evidence of the change in their name at the Land Registry.

Additional cost: £50.00 plus VAT 

Where Russell & Russell is required to deal with an independent Solicitor, for example where the borrower is getting divorced and a transfer is needed or where the borrower instructs a conveyancer to act for them for some other reason.

Additional cost: £130.00 per hour plus VAT 

Where Russell & Russell is asked by the borrower to prepare a straightforward Declaration of Trust.

Additional cost: £150.00 plus VAT

Where we consent to a prior mortgage not being repaid on completion, subject to its postponement so as to rank behind our mortgage and the Deed of Postponement is required to be prepared, approved, executed, completed and, where required, registered.

Additional cost: £200.00 plus VAT

Deed of Variation (but this does not include a lease extension/amendment/Section 106) where Russell & Russell is required to prepare and/or register a deed of variation.

Additional cost: £200.00 plus VAT

If an easement benefiting the property needs to be granted or to which the property is subject needs to be released and Russell & Russell is required to prepare, approve, have executed, complete and/or register at the Land Registry a suitable deed.

Additional cost: £200.00 plus VAT

If the title to the property is not already registered at the Land Registry under its own separate title, Russell & Russell will carry out additional legal work and checks involved in presenting the title for first registration.

Additional cost: £150.00 plus VAT

Any fees charged by the Land Registry for providing copy documentation that they hold that Russell & Russell must inspect as part of the transaction, other than the official copies of the register and plan. For example copy deeds or related titles.

Additional cost: As charged by the Land Registry

If the borrower has acquired the freehold reversion to the remortgage property, Russell & Russell may have to arrange for the freehold and leasehold estates to be merged or for the freehold to be mortgaged to us in addition to the leasehold if this is required to meet Pepper's requirements.

Additional cost: £20.00 plus VAT

Acting on behalf of us on the partial release of an existing security.

Additional cost: £100.00 plus VAT

If the Property is a shared ownership property and the borrower is acquiring an additional interest in the property with the assistance of the advance, and Russell & Russell is required to act for the borrower in the acquisition of the additional interest.

Additional cost: £400.00 plus VAT

Where a Transfer or Lease has been prepared by another conveyancer and Russell & Russell is required to deal with its registration at the Land Registry. This does not include advising on SDLT or making a SDLT return.

Additional cost: £150.00 plus VAT

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

Additional cost: £30.00 plus VAT for each payment made.

Where Russell & Russell is asked to prepare and register or remove at the Land Registry a restriction using RX3/RX4 forms.

Additional cost: £75.00 plus VAT

Where Russell & Russell is asked to prepare a straightforward Statutory Declaration or Statement of Truth.

Additional cost: £100.00 plus VAT

Where Russell & Russell is required to pay third party costs or disbursements (e.g. Management Company Notice Fees).

Additional cost: All third party charges required in order to effect completion of the remortgage.

Where Russell & Russell is asked to arrange a Title Indemnity Policy in respect of a specific issue arising out of the transaction such as Insolvency. Where there is a requirement to arrange a Title Indemnity Policy in respect of a specific issue arising out of the transaction, such as Insolvency.

Additional cost: £50 plus VAT

Acting on behalf of us only approving a transfer of equity or a new lease, either at the same time or subsequent to completion where the borrower has instructed their own conveyancer. This does not include advising on SDLT or making a SDLT return. Please note that all parties to a transfer must have legal representation.

Additional cost: £150.00 plus VAT

Acting on behalf of the borrower on a transfer of equity, either at the same time or subsequent to completion. Please note that all parties to a transfer must have legal representation.

Additional cost: £300.00 plus VAT

If Russell & Russell is asked by the borrower to undertake any other bespoke additional legal work then they will agree their fees with the borrower before they undertake that work. This might, for example, be if the borrower is:

  • Creating a Lease or Leases in their building
  • Splitting the freehold title.
  • Extending or varying their existing Lease.

 Additional cost: By prior agreement with the borrower

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