Bradford & Bingley Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and professional indemnity insures. It is a unique risk management tool.

This software optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on Bradford & Bingley’s changes. Notwithstanding that utilising this technology is not a condition for being on the Bradford & Bingley panel, 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 panel status.

The software generates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for many firms, results in a PII saving.

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, 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.

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

How easy is it to change a solicitor as I need to find one who is on the Bradford & Bingley conveyancing panel. How easy is it to change conveyancer?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
Expecting to move into my new home next Monday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as as he informs me that he is duty bound to validate that it is in order for Bradford & Bingley. What does the insurance need 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 requirements.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Bradford & Bingley conveyancing panel. My lawyer has said that they are on the Bradford & Bingley approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Bradford & Bingley conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Bradford & Bingley solicitor panel.
Can you clarify what the consequences are if my lawyer’s firm is removed from the Bradford & Bingley Solicitor panel before the moving date as agreed at exchange of contracts?
The first thing to point out is that, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Bradford & Bingley. 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 Bradford & Bingley you will need to appoint a solicitor on the Bradford & Bingley conveyancing panel.
The for formalities of my purchase has taken place with a loan from Bradford & Bingley. Conveyancing was satisfactory but I feel I should register my dissatisfaction about Bradford & Bingley. Who do I contact should I wish to lodge a complaint?
Almost all banks and building societies have complaints procedures. Your first port of call should be one of the Bradford & Bingley branches or the Customer Care Department at Bradford & Bingley head office. In most cases complaints to Bradford & Bingley are sorted out very quickly. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What should be my next step? At what point should I appy for the mortgage with Bradford & Bingley?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Bradford & Bingley conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Bradford & Bingley and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.