Birmingham Midshires Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This system is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Birmingham Midshires’s changes. While utilising the software 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, more importantly, protect your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by Birmingham Midshires

Lenders 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, 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.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
6.4.4 31/08/2018 CML
Disclosing Incentives
Birmingham Midshires panel lawyers additional requirements concerning reporting incentives
6.7.1 19/05/2017 CML
New Build Conveyancing
Birmingham Midshires panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
10.7 28/04/2017 CML
Mortgage Advance and Certificate of Title
In the event of a delayed completion, when and how is advance to be returned to Birmingham Midshires by the approved lawyer?
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 ?
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
9.1 18/04/2017 CML
Defective Title Insurance
Birmingham Midshires clarification to approved lawyers clarification as to whether Birmingham Midshires need to be sent the indemnity insurance policy
Adverse Possession Indemnity Insurance Possessory Title Indemnity Insurance Missing Deeds Indemnity Insurance Defective Title Indemnity Insurance
5.14.12 13/04/2017 CML
Leasehold Conveyancing
Birmingham Midshires approved lawyers leasehold conveyancing requirements : requirement as to whether a clear ground rent/service charge receipt needs to be sent to them
5.14.13 13/04/2017 CML
Leasehold Conveyancing
Birmingham Midshires panel lawyers leasehold conveyancing requirements : requirement as to whether a copy of the notice or evidence of service of Notice of Charge needs to be sent to them
5.14.15b 13/04/2017 CML
Leasehold Conveyancing
Birmingham Midshires panel lawyers leasehold conveyancing requirements : acceptability of indemnity insurance where the terms of the lease are unsatisfactory
Absentee Landlord Indemnity Insurance
6.7.1 21/11/2016 CML
New Build Conveyancing
Birmingham Midshires approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes

Last update 20/03/2019

Q and A’s regarding the Birmingham Midshires Solicitor Panel from members of the public

I am hoping to receive a mortgage with Birmingham Midshires. I intend to retain the legal services of a Licensed Conveyancer. Does the Birmingham Midshires Conveyancing panel include Licensed Conveyancers
Birmingham Midshires’s approved solicitor list is, like many other lenders represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
Our god-son is buying a house that has just been built with a mortgage from Birmingham Midshires. His conveyancer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The form is intended to provide information to the main parties involved in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Birmingham Midshires conveyancing panel as a standard part of the process, and to the surveyor when requested.

The Developer will be required to start the process by downloading the form and completing it.

The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Birmingham Midshires conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

I note that you have a post code search directory identifying law firms on the Birmingham Midshires conveyancing panel. Do firms pay you a commission if I instruct them for my conveyancing?
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.
My lawyers in Liverpool have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with Birmingham Midshires. Is it case that being on the Birmingham Midshires conveyancing panel they need to have retained the file for a number of years?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Birmingham Midshires Conveyancing Panel Terms. It might be worth you contacting Birmingham Midshires directly.
I am currently in the process of buying my council flat. I have a mortgage offer with Birmingham Midshires. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Birmingham Midshires you will need to appoint a solicitor on the Birmingham Midshires conveyancing panel.
Completion of my remortgage has taken place with a loan from Birmingham Midshires. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about Birmingham Midshires. How does one go about formally complaining?
Almost all banks and building societies have complaints procedures. Your first port of call should be one of the Birmingham Midshires branches or the Customer Services Team at Birmingham Midshires head office. We understand that 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 who will take matters further.
Me and my partner are purchasing a flat in Hendon. Conveyancing solicitors in Hendon are preferred to beretained. My friendadvised that we enquire that the conveyancing practitioner in Hendon is on the Birmingham Midshires solicitors panel. Is this right?
It is not that case that all Hendon conveyancing solicitors are on the Birmingham Midshires conveyancing panel. 7 people a month use our search tool to search for a Hendon conveyancing firm on the on the Birmingham Midshires list of approved conveyancing firms.