Banks and Clients Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk mitigation tool.

This software assists the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on Banks and Clients’s changes. Notwithstanding that using the software 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 an excellent support to your panel application and, more importantly, safeguard your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces compliance and CQS reports, and will improve your firm's efficiency. It is also simply to use, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by Banks and Clients

Banks and building societies 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.

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Recent Changes Include

# Date Assoc. Changes Related To
6.14.1 30/11/2015 CML
Building Insurance
Banks and Clients plc panel lawyers additional requirements concerning building insurance

Last update 21/03/2019

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

A solicitor I had intended to instruct on a purchase said she would charge more if my mortgage is with Banks and Clients because of their unusual legal requirements. Will I regret using Banks and Clients? Any comments will be appreciated
Banks and Clients conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Banks and Clients conveyancing panel. If they are not, this does add further risk of delay as Banks and Clients will appoint their own solicitors to look after their interest.
Expecting to move into my new home next Monday. 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 risks do Banks and Clients expect the insurance to cover?
All property lawyers 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 instructions.
How do I search for a local solicitor on the Banks and Clients conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the solicitor.
You can use the find a conveyancing panel tool on this website. 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 grandmother passed away six months ago and as sole heir and executor was left the property. The house had a small mortgage remaining of approximately £4500. 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.
Are all conveyancing solicitors on the Banks and Clients conveyancing panel regulated by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Banks and Clients conveyancing panel they would need to be regulated by the SRA. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Banks and Clients have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Banks and Clients your lawyer must to check the Banks and Clients conveyancing instructions contained in the Part of CML Handbook for Banks and Clients . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Banks and Clients where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
The for formalities of my remortgage has taken place with a mortgage from Banks and Clients. Conveyancing was satisfactory but I feel I should register my dissatisfaction about Banks and Clients. How does one go about formally complaining?
All lenders have complaints procedures. Your first port of call should be one of the Banks and Clients branches or the Customer Services Team at Banks and Clients head office. In most cases complaints to Banks and Clients are sorted out effectively and efficiently. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.