Bank of Ireland Mortgages Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and professional indemnity insures. It is a unique risk management tool.

This system facilitates the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on Bank of Ireland Mortgages’s changes. Notwithstanding that using the software is not a prerequisite for Bank of Ireland Mortgages , demonstrating you can remain up to date with Bank of Ireland Mortgages’s Handbook requirements is a helpful support to your panel application and, more importantly, safeguard your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will increase 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

Mortgage companies often vary 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, frequently:

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.

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

My mortgage broker has has requested my lawyer’ panel member for the Bank of Ireland Mortgages conveyancing panel. Can you suggest how I find this out. I have tried my local Bank of Ireland Mortgages branch but they cant find it on their system.
the sensible thing to do is ask for this information from your solicitor. They should have a central record lender panel numbers including the Bank of Ireland Mortgages panel reference.
My lawyer has uncovered an inconsistency between the information in Bank of Ireland Mortgages’s valuation report and what is revealed within the conveyancing documents. My lawyer says that as he is on the Bank of Ireland Mortgages conveyancing panel he needs to ensure that the bank is OK with this discrepancy and is still content to lend. Is my solicitor’s approach correct?
A precondition to being on the Bank of Ireland Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on Bank of Ireland Mortgages) 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 I need to have a meeting at the offices of the Bank of Ireland Mortgages conveyancing panel solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Liverpool so that I can attend their offices if necessary.
Whereas this was necessary ten years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Liverpool .
I was scheduled to move into my flat last Thursday. My lawyer’s firm is on the Bank of Ireland Mortgages solicitors panel but has changed address in the past couple of months and had not informed Bank of Ireland Mortgages of their new address. Bank of Ireland Mortgages is now refusing to release my funds as the information from the solicitors isn't correct.
This is a rare situation indeed. The majority of 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 Bank of Ireland Mortgages branch or your mortgage broker to see if they can help.
Completion of my remortgage has taken place with a loan from Bank of Ireland Mortgages. Conveyancing was satisfactory but I would like to complain about Bank of Ireland Mortgages. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first port of call should be one of the Bank of Ireland Mortgages branches or the Customer Care Team at Bank of Ireland Mortgages head office. In most cases complaints to Bank of Ireland Mortgages are sorted out very quickly. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service with full details of your complaint.
Can I register a complaint to Bank of Ireland Mortgages about the lawyers being on the Bank of Ireland Mortgages conveyancing panel?
Complaining to Bank of Ireland Mortgages about their conveyancing panel is unlikely to yield much of a response. All solicitors 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.

I am due to exchange contracts on my flat. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Bank of Ireland Mortgages are being problematic. The solicitor who is on the Bank of Ireland Mortgages conveyancing panel is saying indemnity insurance will be fine but Bank of Ireland Mortgages are requiring a building regulation certificate. Why do Bank of Ireland Mortgages have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Bank of Ireland Mortgages have referred the matter to their valuer. The reason why Bank of Ireland Mortgages may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.