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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

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This software is the only way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Atom Bank’s changes. While using 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, just as importantly, safeguard your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will enhance 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

Lenders 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, frequently:

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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Examples of recent questions relating to the Atom Bank Solicitor Panel from members of the public

My financial adviser has informed me that I have to pay Atom Bank fees if I use my own solicitor. How efficient 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 substantial so it would be advisable to check with the firms you are getting quotes from that they are on the panel. You can search by postcode on the search tool on this site to find solicitors that Atom Bank will allow to act for them.
We are only a couple days away from an exchange and my parents having transferred 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 Atom Bank. Apparently, being on the Atom Bank conveyancing panel and acting on their behalf he must inform Atom Bank if the balance of the mortgage advance is not just from me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with Atom 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 Atom 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 understood that this was a condition of being on the Atom 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.
Please explain the implications if my solicitor is removed from the Atom Bank Conveyancing panel prior to the moving date as agreed at exchange of contracts?
The first thing to point out is that, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
When it comes to lenders such as Atom Bank do lawyers have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
Is it the case that all conveyancing lawyers on the Atom Bank conveyancing panel work on a no sale no fee basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
My wife and I have arranged a further advance on our mortgage from Atom Bank as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Atom Bank conveyancing panel to deal with the paperwork?
Atom Bank would not normally appoint firms on their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Atom Bank panel

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