Atom Bank Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the CML and professional indemnity insures. It is a unique risk mitigation tool.

This software is the only 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. Even though using COMPLETIONmonitor is not a prerequisite for Atom Bank , demonstrating you can stay up to date with Atom Bank’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by Atom Bank

Banks and building societies often change 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 77 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 35.5 days. In total, 6% 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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Recent Changes Include

# Date Assoc. Changes Related To
6.7.1 16/09/2019 CML
New Build Conveyancing
Atom Bank plc approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 13/09/2019 CML
New Build Conveyancing
Atom Bank plc panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
17.1.1 05/07/2019 CML
Redemption Statements
Contact details at Atom Bank plc for conveyancing panel lawyers to request redemption statements .
10.7 26/05/2018 CML
Mortgage Advance and Certificate of Title
In the event of a delayed completion, when and how is advance to be returned to Atom Bank plc by the conveyancing panel?
5.13.1 08/02/2018 CML
Balance of Monies
Contact details at Atom Bank plc for approved lawyers where borrower is not providing balance of purchase price from funds/proposing to give second charge.
Insolvency Act Indemnity Insurance Deed of Gift Indemnity Insurance
17.1.1 25/01/2018 CML
Redemption Statements
Contact details at Atom Bank plc for conveyancing panel lawyers to request redemption statements .
4.5b 10/01/2018 CML
Certificates of Title
Contact details at Atom Bank plc for conveyancing panel/approved lawyers where COT should be sent
4.5b 29/11/2017 CML
Certificates of Title
Contact details at Atom Bank plc for conveyancing panel/approved lawyers where COT should be sent
1.7 09/05/2017 CML
General Mortgage Instructions
Contact details at Atom Bank plc for conveyancing panel lawyers to if Atom Bank plc will lend when borrower and mortgagor are not one and the same.
5.4.5 13/12/2016 CML
Conveyancing Searches: Personal Searches
Atom Bank plc panel lawyers clarification as to whether they accept personal searches and, if yes, the Atom Bank plc requirements
Local Search Indemnity Insurance

Last update 19/09/2019

Atom Bank Solicitor Panel Sample Enquires to our Call Center from members of the public

My wife and I are first time buyers. Within the 48 hours our solicitor has sent a preliminary report and documents to look through with a view to exchanging next week. Atom Bank have this afternoon contacted us to inform me that there is now an issue as our conveyancer is not on their approved list of lawyers. Is this a problem?
If you are buying a property with the assistance of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.

In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your property lawyers should contact Atom Bank and see if they can apply for membership of the Atom Bank conveyancing panel, but if that is not viable Atom Bank will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on the Atom Bank conveyancing panel as you are at liberty to use your preferred lawyers, in which case it will likely add costs, and it may delay matters as you are adding another lawyer into the mix.

My conveyancer has identified a discrepancy when comparing the surveyor’s assumptions in Atom Bank’s valuation report and what is revealed within the legal papers for the property. My solicitor says that as he is on the Atom Bank conveyancing panel he is obliged to ensure that the lender is OK with this discrepancy and is content go ahead. Is my conveyancer’s stance legitimate?
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 you.
I need to find a Atom Bank panel solicitor in Inverness. Can you assist?
Unfortunately it’s not apparent why you need a Atom Bank panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Atom Bank to find out which solicitors in Atom Bank are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
I am trying to get my ex-husband taken off the mortgage deeds. Can Atom Bank really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but Atom Bank then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Atom Bank solicitors panel
Are all solicitor firms on the Atom Bank conveyancing panel overseen by the SRA?
As a firm of solicitors, in order to be on the Atom 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).
Atom Bank have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Atom Bank or your broker and complete any relevant paperwork. Atom Bank will tell you what documents they want. Atom Bank will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Atom Bank will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
My brother and I are acquiring a terraced house in Hendon. Conveyancing solicitors in Hendon are preferred to beretained. My brother-in-lawrecommended that we enquire that the property lawyer in Hendon is on the Atom Bank solicitors panel. Surely I don't need to do this, do I?
Far from all Hendon conveyancing solicitors are on the Atom Bank conveyancing panel. Click here to search for a Hendon conveyancing practitioner on the on the Atom Bank panel.