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Birmingham Bank 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 Birmingham Bank Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Birmingham Bank Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. COMPLETIONmonitor is a unique risk management tool.

This system assists the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Birmingham Bank’s changes. Even though utilising this technology is not a condition for acceptance on the Birmingham Bank panel, demonstrating you can remain up to date with Birmingham Bank’s Handbook requirements is an excellent support to your panel application and, more importantly, protect your firm’s panel status.

The software creates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Birmingham Bank

Mortgage companies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from Birmingham Bank 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, Birmingham Bank has made 7 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 390.0 days. In total, 3% of the sections of P2 of the UK Finance Lenders’ Handbook for Birmingham Bank have been changed since 15/12/2008.

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Common questions asked concerning the Birmingham Bank Solicitor Panel from members of the public

Is the fact that my conveyancer is not isted on the Birmingham Bank Conveyancing panel that there is a problem with the standard of her work?
That would more than likely be a wrong assumption to make. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal are: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for Birmingham Bank.
Our solicitor has uncovered a defect with the lease for the property we are buying. The seller’s lawyers have put forward defective title insurance as a solution. We are content with insurance and will pay for it. Our lawyer says that as he is on the Birmingham Bank conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Birmingham Bank?
Just because you have a mortgage offer from Birmingham Bank does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Birmingham Bank are the client. These conveyancing instructions must be adhered to by the Birmingham Bank conveyancing panel who has to balance acting for you and Birmingham Bank
I note that you have a search directory listing law firms on the Birmingham Bank conveyancing panel. Do firms pay you a commission if I retain them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Birmingham Bank conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am refinancing my apartment does my lawyer need to be on the Birmingham Bank Solicitor panel?
There is nothing to stop you using your solicitor but Birmingham Bank will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
I am selling my apartment. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Birmingham Bank are being pedantic. The solicitor who is on the Birmingham Bank conveyancing panel is recommending indemnity insurance as a solution but Birmingham Bank are insisting on a building regulation certificate. Why do Birmingham Bank have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Birmingham Bank have referred the matter to their valuer. The reason why Birmingham Bank may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
Planning on purchasing a flat with a mortgage with Birmingham Bank. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Birmingham Bank conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Birmingham Bank conveyancing panel
I have instructed a lawyer having made sure that they are on the Birmingham Bank conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Birmingham Bank conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Birmingham Bank will need an independent valuation of the property. Your lawyer will not arrange this. Usually Birmingham Bank 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 Birmingham Bank you could contact your them to see if they have a list of approved surveyors.

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