Bradford & Bingley Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and professional indemnity insures. It is a unique risk management tool.

This software assists the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Bradford & Bingley’s changes. While utilising the tool 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 panel application and, just as importantly, safeguard your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for many firms, leads to a PII saving.

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Lenders frequently vary 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 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
5.5.1a 01/12/2014 CML
16.4.1 16/06/2014 CML
16.3.1 01/12/2010 CML
16.3.7b 01/12/2010 CML
4.1 01/12/2010 CML
4.5a 01/12/2010 CML
5.15.2a 01/12/2010 CML
5.5.3a 01/12/2010 CML Lack of Planning Permission Indemnity Insurance
6.9.1 01/12/2010 CML Unknown Rights and Easements Indemnity Insurance
14.2.1 03/12/2009 CML

Last update 21/05/2019

Q and A’s regarding the Bradford & Bingley Solicitor Panel from members of the public

I am progressing with the sale of my house and the estate agent has just called to advise that the purchasers are changing their property lawyer. The excuse is that Bradford & Bingley will only deal with solicitors on their conveyancing panel. On what basis would a leading mortgage company only deal with certain law firms?
Lenders have always had an approved set of law firms they are willing to work with, but in the past few years big names such as HSBC, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for more than 25 years.

Lenders blame a rise in fraud by way of justification for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

Expecting to complete my purchase next Thursday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for Bradford & Bingley. What risks do Bradford & Bingley expect the insurance to cover?
All property lawyers on the Bradford & Bingley conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Bradford & Bingley’s Part 2 requirements of the CML Handbook (last updated on Bradford & Bingley). Being on the Bradford & Bingley conveyancing panel your lawyer is expect to follow these instructions.
I have been looking for competitive conveyancing fees. Can I be confident that all the firms that are listed on your site are on the Bradford & Bingley conveyancing panel?
The law firms 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 mortgage company or a member of the public that the data about a specific firm being on the Bradford & Bingley conveyancing panel is not accurate.
I am selling my house. Does my solicitor have to be on the Bradford & Bingley conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Bradford & Bingley conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Is it the case that all conveyancing lawyers on the Bradford & Bingley conveyancing panel work on a no sale no fee basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
What are the common reasons for a lender such as Bradford & Bingley to withdraw a mortgage offer?
Lenders such as Bradford & Bingley can withdraw their mortgage offer although this rarely happens. In the unlikely event that 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 5 examples:
  • Bradford & Bingley may amend or withdraw an offer if the Bradford & Bingley conveyancing panel solicitor is unable to confirm compliance with any of the conditions of the mortgage offer or if any of the terms of the mortgage offer cannot be satisfied
  • 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 to proceed with the Mortgage offer would be unlawful
  • Following advice from the property assessor on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have telephoned Bradford & Bingley on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Bradford & Bingley conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
As long as the conveyancer is on the Bradford & Bingley panel she or he must comply with the CML Handbook requirements for Bradford & Bingley. Unless your lawyer obtains specific confirmation in writing that Bradford & Bingley will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Bradford & Bingley to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.