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

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This software assists 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. Even though utilising COMPLETIONmonitor is not a prerequisite for Birmingham Midshires , 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, more importantly, protect your firm’s panel status.

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

Find a Law Firm approved by Birmingham Midshires

Banks and building societies frequently 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, over time:

A Timeline of Policy Changes


Since 2008, Birmingham Midshires has made 543 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 5.0 days. In total, 48% 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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Examples of recent questions relating to the Birmingham Midshires Solicitor Panel from members of the public

The lawyer I wanted to use for conveyancing on a purchase said he would charge more if my mortgage is with Birmingham Midshires due to their unusual legal requirements. Will I regret using Birmingham Midshires? Any comments will be appreciated
Birmingham Midshires 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 Birmingham Midshires conveyancing panel. If they are not, this does add further risk of delay as Birmingham Midshires will appoint their own solicitors to look after their interest.
My conveyancer has uncovered an inconsistency when comparing the surveyor’s assumptions in Birmingham Midshires’s home valuation report and what is revealed within the title deeds. My solicitor has advised that as he is on the Birmingham Midshires conveyancing panel he is obliged to ensure that the lender is with this discrepancy and is still content to lend. Is my lawyer’s course or action appropriate?
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.
Do I need to pop into the offices of the Birmingham Midshires conveyancing panel solicitor to execute the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Liverpool so that I can attend their offices if required.
Most conveyancing panel lawyers for Birmingham Midshires undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
I am considering applying for a Birmingham Midshires mortgage for purchase of a new build (under development) with 70% LTV. Is it compulsory to choose a solicitor on the conveyancing panel for Birmingham Midshires?
In theory, you could use a solicitor that is not on Birmingham Midshires conveyancing panel, but Birmingham Midshires would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
Are all Conveyancing Quality Solicitors on the Birmingham Midshires conveyancing panel?
Some major banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
We have had an offer accepted on a house I spoke to a lawyer previously used by my mum and he advised retaining a law firm approved by Birmingham Midshires. The estate agent recommended two local firms so I asked Birmingham Midshires if the 2 suggested solicitors are approved, which they are not. Birmingham Midshires pointed out that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Birmingham Midshires 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask Birmingham Midshires for conveyancing panel firms in your area. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Birmingham Midshires conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Birmingham Midshires conveyancing panel as it may only take about 2-3 weeks. As long as they meet Birmingham Midshires’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
For 5 years I had a mortgage with Birmingham Midshires. My godfather retired last week and wants to pay off the mortgage left on the property. After Birmingham Midshires is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Birmingham Midshires conveyancing panel? I do not intend to live at the property once the Birmingham Midshires mortgage is discharged.
You will need a solicitor but they need not be on the Birmingham Midshires conveyancing panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. There's no capital gains tax for you as it is your main residence.

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