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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 web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system is the only way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Atom Bank’s changes. Even though using this technology is not a condition for being 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, just as importantly, safeguard your panel standing.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for some 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, 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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Common questions asked concerning the Atom Bank Conveyancing Panel from members of the public

My lawyer has never been on on the Atom Bank Approved Panel. Can I still continue with my family solicitor even though they are excluded from the Atom Bank approved list?
You will need to have a conveyancer complete the legal work required when you take out a Atom Bank mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Atom Bank conveyancing panel additional costs will be incurred as separate legal representation will be required by Atom Bank. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
can you help? My conveyancer is informing me me that she is duty-bound to apply for a Local Authority search because the firm are on the Atom Bank conveyancing panel. Is this really necessary?
Unfortunately both you and your lawyer have little choice here. As you are taking a mortgage with Atom Bank your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Atom Bank’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Atom Bank. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Your search tool is useful but there are many lawyers listed near Middlesbrough on the Atom Bank conveyancing panel. Can you 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. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I was supposed to complete on my first house yesterday. My lawyer’s firm is on the Atom Bank solicitors panel but has changed address 8 weeks ago and had not advised Atom Bank of their new address. Atom Bank is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Atom Bank branch or your mortgage broker to see if they can help.
Do conveyancing lawyers on the Atom Bank conveyancing panel work on a no move no charge 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 service
I had instructed online solicitors based in Bristol who are on the Atom Bank solicitor panel. They are now charging me a separate fee of £150 for the legal aspects of the Atom Bank mortgage. Is this an additional conveyancing fee set by Atom Bank?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Atom Bank but by your lawyers. Some firms on the Atom Bank will charge an ‘acting for lender’ fee and others do not.
Completion of my remortgage has taken place with a loan from Atom Bank. Conveyancing was satisfactory but I feel I should register my dissatisfaction about Atom Bank. How do I make a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the Atom Bank branches or the Customer Care Team at Atom Bank head office. In most cases complaints to Atom Bank are sorted out very quickly. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

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