Allied Irish Bank Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for property 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 remain fully compliant with their instructions, with automatic updates on Allied Irish Bank’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a prerequisite for Allied Irish Bank , demonstrating you can stay up to date with Allied Irish Bank’s Handbook requirements is a helpful support to your panel application and, more importantly, protect your firm’s panel status.

The system generates real-time alerts, automatically produces SRA and CQS reports, and will improve 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 Allied Irish Bank

Lenders often vary their requirements. The UK Finance Lenders’ Handbook requirements from Allied Irish 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, Allied Irish Bank has made 176 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 15.5 days. In total, 51% of the sections of P2 of the UK Finance Lenders’ Handbook for Allied Irish Bank have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
12.3.1 20/10/2016 CML
16.5.3d 20/10/2016 CML
3.2.3 20/10/2016 CML
3.2.4 20/10/2016 CML
5.14.9 20/10/2016 CML
5.4.6 20/10/2016 CML Local Search Indemnity Insurance
5.8.1 20/10/2016 CML
6.6.2 20/10/2016 CML
8.1 20/10/2016 CML
5.20.3 20/10/2016 CML

Last update 26/03/2019

Allied Irish Bank Solicitor Panel Recently Asked Questions from members of the public

The solicitor my husband and I wanted to use for conveyancing on a purchase said she will levy higher legal fees if my mortgage is with Allied Irish Bank due to their difficult processes! Am I likely to be frustrated using Allied Irish Bank? Is Allied Irish Bank conveyancing so much more difficult?
Allied Irish Bank conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Allied Irish Bank conveyancing panel. If they are not, this does add further risk of delay as Allied Irish Bank will appoint their own solicitors to look after their interest.
Can you help?. My lawyer is not to blame but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Allied Irish Bank was date stamped random date and we have agreed a date for me to move into the property on 6 months + 3. My lawyer has advised that as she is on the Allied Irish Bank conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
One of the many conditions to being on the Allied Irish Bank approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Allied Irish Bank)which states that a local authority search be not more than 6 months old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Allied Irish Bank.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Allied Irish Bank conveyancing panel. My lawyer has said that they are on the Allied Irish Bank approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Allied Irish Bank conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Allied Irish Bank solicitor panel.
I was due to complete on my first house two days ago. My lawyer’s firm is on the Allied Irish Bank solicitors panel but has moved offices in the past couple of months and had not advised Allied Irish Bank of their new address. Allied Irish Bank is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Allied Irish Bank branch or your mortgage broker to see if they can assist.
is it true that all conveyancing solicitors on the Allied Irish Bank conveyancing panel overseen by the SRA?
As a firm of solicitors, in order to be on the Allied Irish Bank 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 mortgage over my property is with Allied Irish Bank. Conveyancing was finalised some time ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Allied Irish Bank?
Allied Irish Bank must be informed of your intention in advance of letting out your property as this is likely to be a breach of Allied Irish Bank’s mortgage conditions. It may be that Allied Irish Bank will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Allied Irish Bank directly. You need not do this via a Allied Irish Bank conveyancing panel firm.
I have instructed a lawyer having checked that they are on the Allied Irish Bank conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Allied Irish Bank conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Allied Irish Bank will need an independent valuation of the property. Your lawyer will not arrange this. Usually Allied Irish Bank will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Allied Irish Bank you could contact your them to see if they have a list of approved surveyors.