About Lexure Contact us

Atom Bank Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

Card image cap
How can my firm apply to be on the Atom Bank Conveyancing Panel?
Check your firm’s panel Status
Card image cap
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 management tool.

This system facilitates the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Atom Bank’s changes. Notwithstanding that using the software 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 an excellent support to your panel application and, more importantly, safeguard your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will increase 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 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 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,
Book a Personalised Demo

Frequently asked questions relating to the Atom Bank Conveyancing Panel from members of the public

The solicitor I wanted to use for conveyancing on a remortgage said he would charge more if my lender is because of their unusual legal requirements. Will I regret using Atom Bank? Is Atom Bank conveyancing so much more difficult?
Atom 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 Atom Bank conveyancing panel. If they are not, this does add further risk of delay as Atom Bank will appoint their own solicitors to look after their interest.
Can you clarify something for me?. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Atom Bank was issued random date and we have agreed a date for me to move into the property on Tues etc. My solicitor has advised that as she is on the Atom Bank conveyancing panel she needs to reorder the searches as they are no longer valid.
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 specifies 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 Atom Bank.
Are the lawyers identified as being on the Atom Bank conveyancing panel, together with their details provided by Atom Bank?
The law firm practices themselves provide us confirmation that they are on the Atom Bank conveyancing panel as opposed to being supplied with a list from Atom Bank directly.
My house is up for sale and I have a buyer. Does my solicitor have to be on the Atom Bank conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Atom Bank conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Can I be sure that the solicitor on the Atom Bank panel is any good?
seeking recommendations is a sensible start. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the solicitor handling your conveyancing
I have paid off my mortgage with Atom Bank. I assume I don't need a solicitor on the Atom Bank panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Atom Bank mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Atom Bank mortgage from the register. Atom Bank,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Atom Bank has sent the Land Registry the discharge electronically, and the Atom Bank has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Atom Bank mortgage has been paid off.
For 5 years I had a mortgage with Atom Bank. My father retired last week and wants to pay off the mortgage left on the property. After Atom Bank is paid, I want to transfer the property to my mother's name; How long will it roughly take? Do we need two separate solicitors on the Atom Bank conveyancing panel? I do not intend to live at the property once the Atom Bank mortgage is discharged.
You will need a solicitor but they need not be on the Atom Bank conveyancing panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. There's no capital gains tax for you as it is your main residence.

Copyright © Lexsure Limited, 2026

Privacy