Bank of Ireland Mortgages Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system assists the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Bank of Ireland Mortgages’s changes. While using the tool is not a prerequisite for Bank of Ireland Mortgages , demonstrating you can stay up to date with Bank of Ireland Mortgages’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, protect your panel standing.

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

Find a Law Firm approved by Bank of Ireland Mortgages

Banks and building societies often change their requirements. The UK Finance Lenders’ Handbook requirements from Bank of Ireland Mortgages 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, Bank of Ireland Mortgages has made 258 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 10.6 days. In total, 59% of the sections of P2 of the UK Finance Lenders’ Handbook for Bank of Ireland Mortgages 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
5.14.9 03/10/2017 CML
6.7.1 24/04/2017 CML
14.2.1 15/11/2016 CML
16.1.1 15/11/2016 CML
16.5.3a 15/11/2016 CML
16.5.3b 15/11/2016 CML
16.5.3c 15/11/2016 CML
16.5.3d 15/11/2016 CML
6.14.1a 01/12/2014 CML
3.1.3 01/12/2014 CML

Last update 09/01/2019

FAQs for the Bank of Ireland Mortgages Solicitor Panel from members of the public

On what basis could a law firm be excluded from the Bank of Ireland Mortgages solicitor panel?
According to a recent survey report by the solicitors regulator three quarters of solicitor practices had been excluded from a lender panel. The most common reasons in order are :
  1. Low volume of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by Bank of Ireland Mortgages
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Bank of Ireland Mortgages will not agree to this. Why was Bank of Ireland Mortgages even consulted?
Your lawyer being on the Bank of Ireland Mortgages conveyancing panel is duty bound to inform Bank of Ireland Mortgages of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Bank of Ireland Mortgages then they would have to discontinue acting for you and Bank of Ireland Mortgages.
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 Bank of Ireland Mortgages conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
My conveyancers in Liverpool have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with Bank of Ireland Mortgages. Is it case that being on the Bank of Ireland Mortgages conveyancing panel they need to have retained the file for a number of years?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Bank of Ireland Mortgages Conveyancing Panel Terms. It might be worth you contacting Bank of Ireland Mortgages directly.
My husband and I are at the point of viewing apartments and now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a home loan with Bank of Ireland Mortgages
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Bank of Ireland Mortgages , make sure you remember to check that your lawyer is on the Bank of Ireland Mortgages conveyancing panel.
I have paid off my mortgage with Bank of Ireland Mortgages. I assume I don't need a solicitor on the Bank of Ireland Mortgages panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Bank of Ireland Mortgages 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 Bank of Ireland Mortgages mortgage from the register. Bank of Ireland Mortgages,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 Bank of Ireland Mortgages has sent the Land Registry the discharge electronically, and the Bank of Ireland Mortgages has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Bank of Ireland Mortgages mortgage has been paid off.
My ex -wife’s name is on the Bank of Ireland Mortgages mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Bank of Ireland Mortgages mortgage in order to sell?
In terms of the Bank of Ireland Mortgages mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Bank of Ireland Mortgages in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.