Banks and Clients Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and professional indemnity insures. COMPLETIONmonitor is a unique risk mitigation tool.

This system assists the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Banks and Clients’s changes. While utilising this technology is not a condition for being on the Banks and Clients panel, demonstrating you can stay up to date with Banks and Clients’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your panel status.

The system generates real-time alerts, automatically produces compliance 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 Banks and Clients

Lenders frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Banks and Clients 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, Banks and Clients has made 1 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 2730.0 days. In total, 0% of the sections of P2 of the UK Finance Lenders’ Handbook for Banks and Clients have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Q and A’s regarding the Banks and Clients Solicitor Panel from members of the public

I was advised recently by my IFA that my property lawyer is not on the Banks and Clients Conveyancing panel. What can I do to be certain that this is indeed the case?
The first thing you need to do is to contact your conveyancer. It is reasonable to expect your lawyer to advise you of the situation. If they are not on the panel they may recommend you to a firm that is on the the approved Banks and Clients solicitor panel.
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 Banks and Clients will not agree to this. Why was Banks and Clients even consulted?
Your lawyer being on the Banks and Clients conveyancing panel is duty bound to inform Banks and Clients of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Banks and Clients then they would have to discontinue acting for you and Banks and Clients.
Are there any apps to help find a local solicitor on the Banks and Clients conveyancing panel? I have a car and am prepared to travel up to 20 kilometers to meet the conveyancer.
Feel free to make use of the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Banks and Clients solicitor panel.
My uncle passed away 10 months ago and as sole heir and executor was left the property. The house had a relatively small loan left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Banks and Clients , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Banks and Clients will insist on your using a conveyancer on the Banks and Clients conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Banks and Clients conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Banks and Clients mortgage is registered as a charge at the Land Registry.
I am about to exchange contracts on a purchase with a mortgage from Banks and Clients. The report from my solicitor mentions that Banks and Clients could withdraw their offer before completion. Is this right?
Lenders such as Banks and Clients can revoke their mortgage offer although this is unusual. If Banks and Clients withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are a number of examples:
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where the lender has to take account a recent change in law
  • Where the sale is not at arms length for value to unconnected persons
  • Where the Lender’s right to possession is fettered in some way
My brother and I have had an offer accepted on a apartment I spoke to a lawyer previously used by my mum and he suggested using a solicitor approved by Banks and Clients. The estate agent recommended two local firms so I asked Banks and Clients if the 2 suggested solicitors are approved, which they are not. Banks and Clients suggested that either firm can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Banks and Clients 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Banks and Clients for conveyancing panel firms in your area. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the Banks and Clients 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 Banks and Clients conveyancing panel as it may only take about 2-3 weeks. As long as they meet Banks and Clients’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 Banks and Clients 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 Banks and Clients mortgage in order to sell?
As regards the Banks and Clients 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 Banks and Clients 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.