Birmingham Midshires Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and professional indemnity insures. It is a unique risk management tool.

This software optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Birmingham Midshires’s changes. Even though using the tool is not a prerequisite for Birmingham Midshires , demonstrating you can stay up to date with Birmingham Midshires’s Handbook requirements is a helpful support to your panel application and, more importantly, safeguard your panel status.

The system creates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by Birmingham Midshires

Lenders often vary their requirements. The UK Finance Lenders’ Handbook requirements from Birmingham Midshires 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 2008, Birmingham Midshires has made 314 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.7 days. In total, 45% of the sections of P2 of the UK Finance Lenders’ Handbook for Birmingham Midshires 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
6.7.1 21/06/2019 CML
New Build Conveyancing
Birmingham Midshires approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
17.2.1a 15/03/2018 CML
Redemption Payments
Where do solicitors and conveyancers send the discharge and repayment remittance in relation to Birmingham Midshires mortgages ?
10.10 28/04/2017 CML
holding the mortgage advance
6.11.1 28/04/2017 CML
Conveyancing Searches: Redevelopments and Road Proposals
Contact details at Birmingham Midshires for approved lawyers to used where Birmingham Midshires needs to be notified where property is affected by redevelopment or road proposals.
Obstruction of Access Indemnity Insurance
6.7.4 28/04/2017 CML
New Build Conveyancing
Birmingham Midshires approved conveyancer requirements for New Build Conveyancing : will the Birmingham Midshires proceed if the property does not have the benefit of a new home warranty scheme
17.2.1a 18/04/2017 CML
Redemption Payments
Where do solicitors and conveyancers send the discharge and repayment remittance in relation to Birmingham Midshires mortgages ?
17.2.1b 18/04/2017 CML
Evidence of Discharge of Mortgage
Do Birmingham Midshires send the discharge via a DS 1 form or direct with the Land Registry?
6.6.4 18/04/2017 CML
Houses in Multipe Occupation
Birmingham Midshires panel conveyancer requirements where the property comes within the definition of a house in multiple occupation
5.14.12 13/04/2017 CML
Leasehold Conveyancing
Birmingham Midshires panel lawyers leasehold conveyancing requirements : requirement as to whether a clear ground rent/service charge receipt needs to be sent to them
5.9.1 13/04/2017 CML
Commonhold
Birmingham Midshires approved lawyers clarification as to whether they lend where the title is commonhold

Last update 18/07/2019

Birmingham Midshires Conveyancing Panel Example Support Desk Enquires from members of the public

I need to swap lawyers as my lawyer is not on the Birmingham Midshires panel of conveyancing solicitors. Is it advisable to appoint a new law firm?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
My fiance and I intend to remortgage our apartment with Birmingham Midshires. We have a son approaching twenty who lives with us. The solicitor on the Birmingham Midshires conveyancing panel requested us to identify anyone over the age of 17 other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is repossessed. I have two questions (1) Is this form unique to the Birmingham Midshires conveyancing panel as he did not need to sign this form when we bought 4 years ago (2) Does our son by signing this giving up his rights to inherit the property?
First, rest assured that your Birmingham Midshires conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Birmingham Midshires .This is solely used to protect the Birmingham Midshires if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Birmingham Midshires had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Are there any apps to help find a local solicitor on the Birmingham Midshires conveyancing panel? I have a car and am prepared to travel up to 20 kilometers to meet the lawyer.
You can use 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 Birmingham Midshires solicitor panel.
I am buying a right to buy flat and getting a mortgage with Birmingham Midshires. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Birmingham Midshires conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Birmingham Midshires conveyancing panel in your location.
Is there a list of Birmingham Midshires panel solicitors on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
How can we tell if a solicitor on the Birmingham Midshires panel is any good?
seeking recommendations is a sensible starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the solicitor handling your transaction
I was told four weeks ago that my mortgage has been agreed to by Birmingham Midshires. Is it usual for Birmingham Midshires to only issue the offer once my solicitor is approved on their conveyancing panel?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Birmingham Midshires to deal with your lawyers application to be on the Birmingham Midshires conveyancing panel. There's no guarantee that your solicitors will be accepted.