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Atom Bank 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 Atom Bank Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Atom Bank Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk mitigation tool.

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Atom Bank’s changes. While utilising the tool is not a condition for acceptance on the Atom Bank panel, demonstrating you can remain up to date with Atom Bank’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by Atom Bank

Banks and building societies often vary their requirements. The UK Finance Lenders’ Handbook requirements from Atom 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, Atom Bank has made 280 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 9.8 days. In total, 14% of the sections of P2 of the UK Finance Lenders’ Handbook for Atom Bank have been changed since 15/12/2008.

To find out more about lender panel compliance,
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FAQs : The Atom Bank Solicitor Panel from members of the public

It has come to my attention via my financial adviser that my the law firm I have appointed is not on the Atom Bank Solicitor panel. How can I be sure that this is correct?
The first thing you need to do is to contact your lawyer directly. It is reasonable to expect your lawyer to advise you of the situation. If they are not on the panel they may recommend you to a firm that is on the the approved Atom Bank solicitor panel.
My solicitor has spotted an inconsistency between the information in Atom Bank’s home valuation report and what is revealed within the conveyancing documents. My lawyer informs me that as he is on the Atom Bank conveyancing panel he is obliged to ensure that the lender is happy with this discrepancy and is still content to lend. Is my lawyer’s approach correct?
A precondition to being on the Atom Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Atom Bank) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
Your search tool is useful but there are many lawyers listed near Leeds on the Atom Bank conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the conveyancing panel for Atom Bank ?
We do not recommend specific firms as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
The lawyers that just started acting on my house acquisition in Manchester has without warning shut down. I only went with them because I had to have a firm on the Atom Bank conveyancing panel and my family lawyer was not. I gave my credit card details for them to take £175 for searches. What do I do now?
If you have an estate agent involved then let them know immediately so that they advise the vendors that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the Atom Bank conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers should be in a position to help
Can you point me to a directory of Atom Bank panel conveyancers on the Council of Mortgage Lender’s 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.
The mortgage over my property is with Atom Bank. Conveyancing was finalised 12 months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Atom Bank?
Your original mortgage agreement with Atom Bank will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Atom Bank’s mortgage conditions. In many cases banks or building societies 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 Atom Bank directly. It should not be necessary to do this via a Atom Bank conveyancing panel lawyer.
I can not work out if my mortgage offer requires a lease extension . I have called into my local branch Atom Bank on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Atom Bank 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?
As long as the conveyancer is on the Atom Bank panel she or he must comply with the CML Handbook requirements for Atom Bank. Unless your lawyer obtains specific confirmation in writing that Atom Bank 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 Atom Bank to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.

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