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Banks and Clients 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 Banks and Clients Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Banks and Clients Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Banks and Clients’s changes. While using this technology is not a prerequisite for Banks and Clients , demonstrating you can stay up to date with Banks and Clients’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, protect your firm’s panel standing.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by Banks and Clients

Lenders often vary their requirements. The BSA instructions from Banks and Clients 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 2010, Banks and Clients has made 1 revisions or additions to sections of their version of the BSA Requirements.
That equates to a section change every 2730.0 days. In total, 0% of the sections of the BSA Requirements for Banks and Clients have been changed since 26/1/2010.

To find out more about lender panel compliance,
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Banks and Clients Conveyancing Panel Recently Asked Questions from members of the public

I am getting a mortgage with Banks and Clients. I hope to use a Licensed Conveyancer. Does the Banks and Clients Solicitor panel include Licensed Conveyancers
Banks and Clients’s conveyancing panel is, like many other lenders associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I am due to move into my new home next Tuesday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for Banks and Clients. What does the insurance need to cover?
Any lawyer on the Banks and Clients conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Banks and Clients’s Part 2 requirements of the CML Handbook (last updated on Banks and Clients). Being on the Banks and Clients conveyancing panel your lawyer is expect to follow these requirements.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Banks and Clients conveyancing panel. My lawyer has said that they are on the Banks and Clients 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 Banks and Clients 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 Banks and Clients solicitor panel.
What happens if my solicitor is expelled from the Banks and Clients Solicitor panel in advance of completion?
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 for a fee.
Do conveyancing lawyers on the Banks and Clients 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 package
I have not been happy with the level or service received from my lawyer. Is there a Banks and Clients conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to Banks and Clients. All solicitors and conveyancer must have a complaints procedure. Usually one can find this 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 have instructed a lawyer having made sure that they are on the Banks and Clients conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Banks and Clients conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Banks and Clients will need an independent valuation of the property. Your lawyer will not arrange this. Usually Banks and Clients will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Banks and Clients you could contact your them to see if they have a list of approved surveyors.

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