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Bank of Ireland 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 Bank of Ireland Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Bank of Ireland 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 such as AmTrust. It is a unique risk management tool.

This system is the only way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Bank of Ireland’s changes. Even though using this technology is not a prerequisite for Bank of Ireland , demonstrating you can stay up to date with Bank of Ireland’s Handbook requirements is a helpful support to your panel application and, more importantly, protect your panel status.

The system creates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by Bank of Ireland

Banks and building societies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Bank of Ireland 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 has made 735 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 3.7 days. In total, 48% of the sections of P2 of the UK Finance Lenders’ Handbook for Bank of Ireland have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Bank of Ireland Conveyancing Panel : Questions and Answers from members of the public

I need to swap lawyers as my lawyer is not on the Bank of Ireland panel of conveyancing solicitors. How easy is it to change conveyancer?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
I do hope you can help me. My solicitor is assuring me that he is legally obliged to apply for a Local Authority search because the firm are on the Bank of Ireland approved lawyer panel. Do I not have a choice here?
You have limited options available to you. As you are taking a mortgage with Bank of Ireland 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 Bank of Ireland’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Bank of Ireland. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Bank of Ireland conveyancing panel. My lawyer has said that they are on the Bank of Ireland approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Bank of Ireland conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Bank of Ireland solicitor panel.
Please explain the implications if my lawyer’s firm is removed from the Bank of Ireland Solicitor panel prior to the completion date?
The first thing to point out is that, this is a very rare occurrence. 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 at a cost.
Why might a lender such as Bank of Ireland withdraw a mortgage offer?
Lenders such as Bank of Ireland can revoke their mortgage offer although this rarely happens. If Bank of Ireland withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are 5 examples:
  • Bank of Ireland may amend or withdraw an offer if the Bank of Ireland conveyancing panel solicitor is unable to confirm compliance with any of the conditions of the mortgage offer or if any of the terms of the mortgage offer cannot be satisfied
  • Many mortgage offers have an expiry date. Your lawyer should check this. Bank of Ireland may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
  • Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Bank of Ireland conveyancing panel solicitors would be obliged to notify Bank of Ireland of a change in the price of the property.
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • If the solicitor on the Bank of Ireland conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with Bank of Ireland ‘s instructions
We have agreed a price on a apartment I spoke to a solicitor recommended by my uncle and he recommended retaining a property lawyers approved by Bank of Ireland. The estate agent recommended two local firms so I asked Bank of Ireland if the 2 suggested solicitors are approved, which they are not. Bank of Ireland pointed out that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Bank of Ireland 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask Bank of Ireland to suggest a law firm in your location. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Bank of Ireland conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Bank of Ireland conveyancing panel as it may only take about 2-3 weeks. As long as they meet Bank of Ireland’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
My ex -wife’s name is on the Bank of Ireland 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 mortgage in order to sell?
In terms of the Bank of Ireland 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 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.

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