Adam & Company International Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers such as AmTrust. It is a unique risk mitigation tool.

This system optimises the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Adam & Company International’s changes. Even though using the software is not a prerequisite for Adam & Company International , demonstrating you can remain up to date with Adam & Company International’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your panel standing.

The software creates real-time alerts, automatically produces compliance and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Adam & Company International

Mortgage companies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from Adam & Company International 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, Adam & Company International has made 218 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 12.5 days. In total, 61% of the sections of P2 of the UK Finance Lenders’ Handbook for Adam & Company International have been changed since 15/12/2008.

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Frequently asked questions relating to the Adam & Company International Solicitor Panel from members of the public

For what reasons could a law firm be removed from the Adam & Company International solicitor panel?
According to a recent survey report by the solicitors regulator three quarters of law firms had been excluded from a lender panel. The top reasons in order are :
  1. lack of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by Adam & Company International
I am due to move into my new home next Monday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for Adam & Company International. What risks do Adam & Company International expect the insurance to cover?
All property lawyers on the Adam & Company International conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Adam & Company International’s Part 2 requirements of the CML Handbook (last updated on Adam & Company International). Being on the Adam & Company International conveyancing panel your lawyer is expect to follow these instructions.
Are the lawyers identified as being on the Adam & Company International conveyancing panel, together with their details provided by Adam & Company International?
The firms themselves provide us confirmation that they are on the Adam & Company International conveyancing panel as opposed to being supplied with a list from Adam & Company International directly.
Please explain the implications if my solicitor is suspended from the Adam & Company International Conveyancing panel prior to completion?
First, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
Is it the case that all conveyancing lawyers on the Adam & Company International conveyancing panel work on a no sale no fee basis?
There is generally no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
Is it the case that all solicitor firms on the Adam & Company International conveyancing panel regulated by the SRA?
As solicitors, in order to be on the Adam & Company International conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
The for formalities of my purchase has taken place with a mortgage from Adam & Company International. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about Adam & Company International. How do I make a complaint?
Almost all lenders have complaints procedures. Your first point of contact should be one of the Adam & Company International branches or the Customer Services Team at Adam & Company International head office. In most cases complaints to Adam & Company International are resolved very quickly. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.