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Bradford & Bingley 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 Bradford & Bingley Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Bradford & Bingley Conveyancing Panel?
Check your firm’s panel Status

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

This system optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Bradford & Bingley’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a prerequisite for Bradford & Bingley , demonstrating you can stay up to date with Bradford & Bingley’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by Bradford & Bingley

Banks and building societies often change their requirements. The UK Finance Lenders’ Handbook requirements from Bradford & Bingley 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, Bradford & Bingley has made 370 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 7.4 days. In total, 39% of the sections of P2 of the UK Finance Lenders’ Handbook for Bradford & Bingley have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Common questions asked concerning the Bradford & Bingley Solicitor Panel from members of the public

My financial adviser has says he needs my solicitor’s panel member for the Bradford & Bingley conveyancing panel. How do I obtain this. I have tried my local Bradford & Bingley branch but they have not got back to me yet.
Have you tried speaking to your lawyer about this?. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Bradford & Bingley.
Please assist. For no fault of my lawyer but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Bradford & Bingley was issued random date and we have agreed a date for me to move into the property on 6 months + 3. My lawyer has advised that as she is on the Bradford & Bingley conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
One of the many conditions to being on the Bradford & Bingley approved panel is to comply with the CML Handbook requirements (last updated for this lender on Bradford & Bingley)which specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Bradford & Bingley.
I am searching for competitive conveyancing fees. Can I be confident that all the practices that are identified on your directory are on the Bradford & Bingley conveyancing panel?
The solicitor and licensed conveyancing practices on our directory have assured us via an online form that they are on the Bradford & Bingley panel and agreed to advise us to take down their listing in the event of removal off of the Bradford & Bingley panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Bradford & Bingley conveyancing panel is incorrect.
I was supposed to move into my flat yesterday. My lawyer’s firm is on the Bradford & Bingley conveyancing panel but has moved offices 8 weeks ago and had not informed Bradford & Bingley of their new address. Bradford & Bingley is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. 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 Bradford & Bingley branch or your mortgage broker to see if they can assist.
Two weeks ago we had a mortgage agreed in principle with Bradford & Bingley. Solicitors have been instructed? What is the average time that one could expect to receive a mortgage offer from Bradford & Bingley?
Some lenders take longer than others. Have Bradford & Bingley conducted the valuation? Have you advised Bradford & Bingley as your lawyers details and checked that your lawyer is on the Bradford & Bingley conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
In what circumstances might Bradford & Bingley amend or withdraw their mortgage offer?
Lenders such as Bradford & Bingley can revoke their mortgage offer although this is unusual. should Bradford & Bingley withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are a few examples:
  • If the financial circumstances of the borrower have changed to the detriment and the Bradford & Bingley has been notified
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
  • If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
I have today made my last payment due on mortgage with Bradford & Bingley. I assume I don't need a solicitor on the Bradford & Bingley panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Bradford & Bingley mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Bradford & Bingley mortgage from the register. Bradford & Bingley,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Bradford & Bingley has sent the Land Registry the discharge electronically, and the Bradford & Bingley has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Bradford & Bingley mortgage has been paid off.