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Bank of Scotland Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the Bank of Scotland Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Bank of Scotland Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This software assists the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on Bank of Scotland’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a prerequisite for Bank of Scotland , demonstrating you can remain up to date with Bank of Scotland’s Handbook requirements is an excellent support to your panel application and, more importantly, protect your firm’s panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by Bank of Scotland

Lenders frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from Bank of Scotland are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, Bank of Scotland has made 454 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 6.0 days. In total, 50% of the sections of P2 of the UK Finance Lenders’ Handbook for Bank of Scotland have been changed since 15/12/2008.

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Bank of Scotland Conveyancing Panel Example Support Desk Enquires from members of the public

It has come to my attention via my lender that my the law firm I have appointed is not on the Bank of Scotland Solicitor panel. How can I be sure that this is correct?
The first thing you need to do is to contact your lawyer directly. You lawyer should advise you what has happened. If they are not on the panel they may recommend you to a firm that is on the the approved Bank of Scotland solicitor panel.
Our solicitor has discovered a problem with the lease for the flat we are purchasing. The other side have suggested title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer has advised that as he is on the Bank of Scotland conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Bank of Scotland?
Just because you have a mortgage offer from Bank of Scotland does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Bank of Scotland are the client. These conveyancing instructions must be adhered to by the Bank of Scotland conveyancing panel who has to balance acting for you and Bank of Scotland
How up to date is your database of lawyers on the Bank of Scotland conveyancing panel? Do Bank of Scotland send you an updated list?
The firms themselves provide us confirmation that they are on the Bank of Scotland conveyancing panel as opposed to being supplied with a list from Bank of Scotland directly.
I would like to get my former partner taken off the mortgage deeds. Can Bank of Scotland really tell me which solicitor I can or can not retain?
You can use any solicitor you like but Bank of Scotland then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Bank of Scotland solicitors panel
How can we tell if a solicitor on the Bank of Scotland panel is any good?
Getting recommendations is a good start. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always advise that you speak with the solicitor carrying out your conveyancing
I can not work out if my mortgage offer requires a lease extension . I have telephoned Bank of Scotland on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Bank of Scotland conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
Your lawyer has to follow the CML Handbook Part 2 requirements for Bank of Scotland. Unless your lawyer obtains specific confirmation in writing that Bank of Scotland will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Bank of Scotland to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
My ex -wife’s name is on the Bank of Scotland mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Bank of Scotland mortgage in order to sell?
In terms of the Bank of Scotland mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Bank of Scotland in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.

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