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 PI insurers. It is a unique risk mitigation tool.

This software facilitates the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Bradford & Bingley’s changes. Even though using this technology is not a condition for acceptance 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, more importantly, protect your panel status.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by Bradford & Bingley

Banks and building societies 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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Bradford & Bingley Solicitor Panel Sample Enquires to our Call Center from members of the public

I am hoping to receive a offer of a mortgage from Bradford & Bingley. I intend to enlist the help of a Licensed Conveyancer. Does the Bradford & Bingley Solicitor panel exclude conveyancers regulated by the CLC
Bradford & Bingley’s approved solicitor list is, like many other lenders represented by the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Bradford & Bingley will not agree to this. Why was Bradford & Bingley even consulted?
Your lawyer being on the Bradford & Bingley conveyancing panel is duty bound to inform Bradford & Bingley of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Bradford & Bingley then they would have to discontinue acting for you and Bradford & Bingley.
How up to date is your search tool for the Bradford & Bingley conveyancing panel? Do Bradford & Bingley send you an updated list?
The firms themselves provide us confirmation that they are on the Bradford & Bingley conveyancing panel as opposed to being supplied with a list from Bradford & Bingley directly.
My house is up for sale and I have a buyer. 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.
Can I be sure that the solicitor on the Bradford & Bingley panel is any good?
obtaining recommendations is a good start. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the lawyer conducting your transaction
I recently had an offer accepted on an apartment. My financial adviser recommended their conveyancers I paid an upfront payment of 150. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Bradford & Bingley conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Bradford & Bingley panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
After shopping around on the internet I have found a solicitor having made sure that they are on the Bradford & Bingley conveyancing panel. Does my lawyer arrange the survey of the property? Or Having digested plenty of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Bradford & Bingley conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Bradford & Bingley will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bradford & Bingley will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Bradford & Bingley you could contact your them to see if they have a list of approved surveyors.