Ahli United Bank Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and professional indemnity insures. 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 alerts on Ahli United Bank’s changes. Notwithstanding that utilising the software is not a prerequisite for Ahli United Bank , demonstrating you can remain up to date with Ahli United Bank’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your firm’s panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by Ahli United Bank

Mortgage companies often vary 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
5.14.9 25/09/2017 CML
Leasehold Conveyancing
Contact details at Ahli United Bank (UK) plc for conveyancing panel lawyers for matters relating to the lease.
3.1.4 01/12/2014 CML
details of the seller's solicitors or licensed conveyancers
5.5.1a 01/12/2014 CML
requirements in terms of time for planning consents
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.1d 01/12/2014 CML
maximum excess re building insurance
6.14.2 01/12/2014 CML
requirement that all insurance risks are included
6.14.3 01/12/2014 CML
notification of non-renewal/cancellation for buildings insurance policy
3.1.5 01/12/2014 CML
ID Documentation
Ahli United Bank (UK) plc panel lawyers requirements re ID Documentation: Further acceptable documents (if any)
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
17.2.1b 12/07/2013 CML
Evidence of Discharge of Mortgage
Do Ahli United Bank (UK) plc send the discharge via a DS 1 form or direct with the Land Registry?

Last update 12/07/2019

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

My husband and I are buying a 2 bedroom apartment in Newcastle with a mortgage from Ahli United Bank. We have a lawyer but Ahli United Bank says he's not on their "panel". We have to appoint one of the Ahli United Bank panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that Ahli United Bank use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Ahli United Bank conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your lawyer to apply to be on the conveyancing panel for Ahli United Bank
We are only a couple days away from an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Ahli United Bank. I am advised that, being on the Ahli United Bank conveyancing panel and acting on their behalf he must inform Ahli United Bank if the balance of the mortgage advance is coming from anyone other than me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with Ahli United Bank to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Ahli United Bank if you agree, failing which, your lawyer must cease to continue acting.
Do all the firms listed on your search have online case tracking as I was under the impression that this was a precondition of being on the Ahli United Bank conveyancing panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
We're in Wales, First time buyers purchasing with a mortgage (lender is Ahli United Bank , but our lawyer is on the Ahli United Bank conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Ahli United Bank conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
I previously instructed online solicitors located in Cardiff who are on the Ahli United Bank solicitor panel. They are now charging me a separate fee of £150 for dealing with the Ahli United Bank mortgage. Is this a supplemental conveyancing fee specified 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 but plenty of firms include it on their overall fee.
How can we tell if a solicitor on the Ahli United Bank panel is any good?
seeking 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 lawyer conducting your transaction
We expect to receive a DIP from Ahli United Bank this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Ahli United Bank recommend a solicitor on the Ahli United Bank conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the Ahli United Bank conveyancing panel. The solicitor represents both you and the Ahli United Bank through the process.