Atom Bank Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This software assists the way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Atom Bank’s changes. Even though utilising COMPLETIONmonitor is not a prerequisite for Atom Bank , 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 generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Atom Bank

Banks and building societies frequently 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 123 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 22.2 days. In total, 12% 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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Frequently asked questions relating to the Atom Bank Conveyancing Panel from members of the public

I have been advised by my broker that I have to pay Atom Bank fees if I use my own solicitor. How good are the Atom Bank conveyancing panel solicitors? I dont care which law firm I use provided that they are good and reasonably priced. Would you recommend a specific law firm on the Atom Bank panel?
Atom Bank’s conveyancing panel is pretty large so it would be advisable to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Atom Bank will allow to act for them.
My lawyer has spotted an inconsistency between the assumptions in Atom Bank’s home valuation report and what is in the title deeds. My solicitor says that as he is on the Atom Bank conveyancing panel he must check that the lender is happy with this discrepancy and is still content to lend. Is my lawyer’s stance 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.
Do all the firms listed on your directory have online case tracking as I was under the impression that this was a precondition of being on the Atom Bank solicitor panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
My aunt passed away 10 months ago and as sole heir and executor was left the house. The house had a relatively small loan remaining of approximately £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Atom Bank , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Atom Bank will insist on your using a conveyancer on the Atom Bank conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Atom Bank conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Atom Bank mortgage is registered as a charge at the Land Registry.
I am buying a property where the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Atom Bank be concerned
As you are obtaining a mortgage with Atom Bank your lawyer must to check the Atom Bank conveyancing instructions contained in the Part of CML Handbook for Atom Bank . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Atom Bank where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
Can I register a complaint to Atom Bank about the lawyers being on the Atom Bank conveyancing panel?
Complaining to Atom Bank about their conveyancing panel is unlikely to yield much of a response. Every solicitor firm and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

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.