Bradford & Bingley Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk management tool.

This system facilitates the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on Bradford & Bingley’s changes. Notwithstanding that using the software is not a prerequisite for Bradford & Bingley , demonstrating you can stay up to date with Bradford & Bingley’s Handbook requirements is an excellent support to your panel application and, just as importantly, protect your firm’s panel standing.

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

Find a Law Firm approved by Bradford & Bingley

Lenders frequently 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, frequently:

A Timeline of Policy Changes

Since 2008, Bradford & Bingley has made 140 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 19.5 days. In total, 37% 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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Recent Changes Include

# Date Assoc. Changes Related To
6.14.1a 01/12/2014 CML
6.14.1b 01/12/2014 CML
16.5.2 30/06/2014 CML
16.5.3d 30/06/2014 CML
5.14.9 01/12/2010 CML
5.5.1b 01/12/2010 CML
6.2.1 01/12/2010 CML
6.6.1 01/12/2010 CML
6.8.1 01/12/2010 CML Adoption of Road or Sewer Indemnity Insurance
16.5.2 03/12/2009 CML

Last update 17/11/2019

Bradford & Bingley Conveyancing Panel Sample Enquires to our Call Center from members of the public

My property lawyer is not listed on the Bradford & Bingley Conveyancing Panel. Is it possible for me to use my family solicitor notwithstanding that they are excluded from the Bradford & Bingley approved list?
You will need to have a conveyancer complete the legal work required when you take out a Bradford & Bingley mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Bradford & Bingley conveyancing panel additional costs will be incurred as separate legal representation will be required by Bradford & Bingley. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
can you help? My conveyancer is informing me me that he is legally obliged to apply for a Local Authority search because the firm are on the Bradford & Bingley conveyancing panel. The searches cost a lot of money. Can this be avoided?
You have limited options available to you. As you are taking a mortgage with Bradford & Bingley your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Bradford & Bingley’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Bradford & Bingley. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I am looking to buy a flat and require a conveyancing solicitor in London who is on the Bradford & Bingley approved. Could you point me in the right direction as regards a firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Bradford & Bingley . We don’t recommend any particular firm.
I am remortgaging my house does my lawyer have to be on the Bradford & Bingley Solicitor panel?
There is nothing to stop you using your solicitor but Bradford & Bingley will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
We were going to get a DIP from Bradford & Bingley this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the Bradford & Bingley recommend a solicitor on the Bradford & Bingley conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Bradford & Bingley conveyancing panel. The solicitor represents both you and the Bradford & Bingley through the process.
I have not been happy with the level or service received from my lawyer. Is there a Bradford & Bingley conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to Bradford & Bingley. Every solicitor firm and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is addressed by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

My offer was accepted on a house on the 17th January 2014, valuation was booked 2 days after, received a clean bill of health. Property lawyer retained, so all that was missing was my mortgage offer. Having made daily calls to Bradford & Bingley and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Bradford & Bingley conveyancing panel. Are Bradford & Bingley entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Bradford & Bingley to deal with your lawyers application to be on the Bradford & Bingley conveyancing panel. There's no guarantee that your solicitors will be accepted.