Birmingham Midshires Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It 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 instructions, with notifications given on Birmingham Midshires’s changes. While using the tool is not a condition for being on the Birmingham Midshires panel, demonstrating you can remain up to date with Birmingham Midshires’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 compliance and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by Birmingham Midshires

Banks and building societies often change 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 311 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.8 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.

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Recent Changes Include

# Date Assoc. Changes Related To
6.7.1 19/05/2017 CML
10.10 28/04/2017 CML
10.2b 28/04/2017 CML
10.7 28/04/2017 CML
6.11.1 28/04/2017 CML Obstruction of Access Indemnity Insurance
10.2a 18/04/2017 CML
10.3 18/04/2017 CML
6.10.2 18/04/2017 CML
6.7.2 18/04/2017 CML
6.4.4 13/04/2017 CML

Last update 19/01/2019

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

I appointed a firm of solicitors to conduct the legal paperwork on my house purchase 4 weeks ago having applied for a mortgage with Birmingham Midshires. The firm confirmed to me that they are on Birmingham Midshires conveyancing panel and advised me their panel reference. Birmingham Midshires then called me to say that their panel number was dormant and would need to be reactivated. What happens next? Should I appoint a new solicitor listed on the conveyancing panel for Birmingham Midshires?
The answer depends on whether you still have confidence in the said solicitors and how long it will take for the firm to be reinstated on the Birmingham Midshires conveyancing panel You may wish to enlist the help of your broker to check with the Birmingham Midshires as to the time frame to get your lawyer reinstated on the panel once again.
My conveyancer has spotted an inconsistency between the surveyor’s assumptions in Birmingham Midshires’s valuation survey and what is in the conveyancing documents. My solicitor says that as he is on the Birmingham Midshires conveyancing panel he needs to ensure that the lender is happy with this discrepancy and is content go ahead. Is my solicitor’s approach legitimate?
A precondition to being on the Birmingham Midshires approved panel is to comply with the CML Handbook requirements (last updated for this lender on Birmingham Midshires) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
I see that you have a search directory identifying solicitors on the Birmingham Midshires conveyancing panel. Do firms pay you a referral fee if I appoint them for my house purchase?
We are a listing service only for law firms wishing to communicate if they are on the Birmingham Midshires conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I was expecting to move into my flat last Thursday. My lawyer’s firm is on the Birmingham Midshires conveyancing panel but has changed address 8 weeks ago and had not advised Birmingham Midshires of their new address. Birmingham Midshires is now refusing to release my funds as the information from the solicitors isn't correct.
This is a rare situation indeed. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Birmingham Midshires branch or your mortgage broker to see if they can assist.
My wife and I have arranged a further advance on our mortgage from Birmingham Midshires as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Birmingham Midshires conveyancing panel to deal with the legals?
Birmingham Midshires do not ordinarily appoint firms on their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Birmingham Midshires panel
Completion of my remortgage has taken place with a mortgage from Birmingham Midshires. Conveyancing was satisfactory but I would like to complain about Birmingham Midshires. Who do I contact should I wish to lodge a complaint?
All lenders have complaints procedures. Your first port of call should be one of the Birmingham Midshires branches or the Customer Care Department at Birmingham Midshires head office. Ordinarily complaints to Birmingham Midshires are resolved very quickly. 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 Birmingham Midshires 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 Birmingham Midshires mortgage in order to sell?
As regards the Birmingham Midshires 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 Birmingham Midshires 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.