Bluestone Mortgages Conveyancing Lender Panel Compliance Tool

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

This software facilitates the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Bluestone Mortgages’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a condition for being on the Bluestone Mortgages panel, demonstrating you can stay up to date with Bluestone Mortgages’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Bluestone Mortgages

Banks and building societies often vary their requirements. The UK Finance Lenders’ Handbook requirements from Bluestone Mortgages 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, Bluestone Mortgages has made 242 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 11.3 days. In total, 59% of the sections of P2 of the UK Finance Lenders’ Handbook for Bluestone Mortgages have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
16.3.7a 21/10/2015 CML
16.5.3b 21/10/2015 CML
17.2.1a 21/10/2015 CML
3.2.3 21/10/2015 CML
4.5b 21/10/2015 CML
5.1.1 21/10/2015 CML
6.10.2 21/10/2015 CML
5.20.3 21/10/2015 CML
5.20.4 21/10/2015 CML
5.5.1b 01/12/2014 CML

Last update 19/03/2019

Common questions asked concerning the Bluestone Mortgages Conveyancing Panel from members of the public

I am expecting a offer of a mortgage from Bluestone Mortgages. I would like to instruct a Licensed Conveyancer. Does the Bluestone Mortgages Conveyancing panel include conveyancers regulated by the CLC
Bluestone Mortgages’s approved solicitor list is, like many other lenders associated to the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
Can you clarify something for me?. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Bluestone Mortgages was issued random date and we have agreed a date for me to move into the property on 10 days inc Day of week eg. Mon. My solicitor says that as she is on the Bluestone Mortgages conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
One of the many conditions to being on the Bluestone Mortgages approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Bluestone Mortgages)which specifies that a local authority search be not more than 6 months old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Bluestone Mortgages.
What tools are available to find a local solicitor on the Bluestone Mortgages conveyancing panel? I have a car and am prepared to travel up to 25 kilometers to meet the lawyer.
You can use the find a conveyancing panel search 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 Bluestone Mortgages solicitor panel.
My uncle passed away six months ago and as sole heir and executor was left the property. The house had a small mortgage left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Bluestone Mortgages , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Bluestone Mortgages will insist on your using a conveyancer on the Bluestone Mortgages 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 Bluestone Mortgages 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 Bluestone Mortgages mortgage is registered as a charge at the Land Registry.
Do conveyancing lawyers on the Bluestone Mortgages 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
The for formalities of my remortgage has taken place with a loan from Bluestone Mortgages. Conveyancing was satisfactory but I feel I should register my dissatisfaction about Bluestone Mortgages. How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the Bluestone Mortgages branches or the Customer Services Team at Bluestone Mortgages head office. We understand that complaints to Bluestone Mortgages are sorted out effectively and efficiently. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service with full details of your complaint.
My ex -wife’s name is on the Bluestone Mortgages 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 Bluestone Mortgages mortgage in order to sell?
As regards the Bluestone Mortgages 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 Bluestone Mortgages 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.