Ahli United Bank Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers such as AmTrust. It is a unique risk mitigation tool.

This software assists the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Ahli United Bank’s changes. While utilising the tool is not a condition for acceptance on the Ahli United Bank panel, demonstrating you can remain up to date with Ahli United Bank’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your firm’s panel status.

The software generates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. It is also user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by Ahli United Bank

Mortgage companies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Ahli United Bank are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, Ahli United Bank has made 19 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 143.7 days. In total, 9% of the sections of P2 of the UK Finance Lenders’ Handbook for Ahli United Bank have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
6.14.1 30/11/2015 CML
Building Insurance
Ahli United Bank (UK) plc panel lawyers additional requirements concerning building insurance
3.1.6 01/12/2014 CML
verification of identity
5.5.1a 01/12/2014 CML
requirements in terms of time for planning consents
6.14.1a 01/12/2014 CML
contact point if property is not insured in accordance with lender requirement
6.14.1b 01/12/2014 CML
buildings insurance in joint names or lender interest noted
6.14.1c 01/12/2014 CML
buildings insurance total sum insured calculation
6.14.2 01/12/2014 CML
requirement that all insurance risks are included
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium
3.1.3 01/12/2014 CML
Conveyancing Solicitors Details for Sellers
Do Ahli United Bank (UK) plc require notification form their approved lawyer of the name and address of the solicitors firm or licensed conveyancers firm acting for the seller?
5.20.4 23/09/2013 CML
Green Deal Plans
Ahli United Bank (UK) plc requirements for conveyancing panel/approved lawyers as to whether Ahli United Bank (UK) plc need to be notified/reported as to details of any existing Green Deal Plan(s) on a property

Last update 08/01/2020

Examples of recent questions relating to the Ahli United Bank Conveyancing Panel from members of the public

My mortgage broker has says he needs my law firm’s panel reference for the Ahli United Bank conveyancing panel. How do I discover this. I have contacted my local Ahli United Bank office but they have not got back to me yet.
You are best placed to get this information from your conveyancing lawyer. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Ahli United Bank.
Our solicitor has discovered a defect with the lease for the flat we are purchasing. The other side have offered title insurance as a workaround. We are happy with insurance and will pay for it. Our lawyer has advised that as he is on the Ahli United Bank conveyancing panel he must ensure that the lender is happy with this solution. Are we the client or is Ahli United Bank?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Ahli United Bank are the client. A precondition to being on the Ahli United Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Ahli United Bank). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Ahli United Bank can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I have been Googling for competitive conveyancing fees. Can I be assured that all the practices that are identified on your website are on the Ahli United Bank conveyancing panel?
The solicitor and licensed conveyancing practices on our directory have advised us that they are on the Ahli United Bank panel and agreed to advise us to take down their listing in the event of removal off of the Ahli United Bank panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Ahli United Bank conveyancing panel is incorrect.
I am purchasing a terraced house and getting a mortgage with Ahli United Bank. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Ahli United Bank conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Ahli United Bank conveyancing panel in your location.
Is there a list of Ahli United Bank panel conveyancers on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
I previously instructed online conveyancers based in Birmingham who are on the Ahli United Bank solicitor panel. They have just invoiced me a separate fee of £175 for the legal aspects of the Ahli United Bank mortgage. Is this a supplemental conveyancing fee set by Ahli United Bank?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Ahli United Bank but by your lawyers. Some firms on the Ahli United Bank will charge an ‘acting for lender’ fee and others do not.
Do most banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Ahli United Bank conveyancing panel requirements are different to Ahli United Bank’s conveyancing panel criteria.