Britannia Conveyancing Lender Panel Compliance Tool

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

This software assists the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Britannia’s changes. Even though utilising this technology is not a condition for acceptance on the Britannia panel, demonstrating you can stay up to date with Britannia’s Handbook requirements is a helpful support to your panel application and, just as importantly, safeguard your firm’s panel status.

The software creates real-time alerts, automatically produces SRA 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.

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Lenders frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Britannia 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, Britannia has made 487 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 5.6 days. In total, 62% of the sections of P2 of the UK Finance Lenders’ Handbook for Britannia have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Q and A’s regarding the Britannia Conveyancing Panel from members of the public

The lawyer my husband and I had intended to instruct on a remortgage said he would charge more if my lender is because of their difficult processes! Am I likely to be frustrated using Britannia? Is Britannia conveyancing so much more difficult?
Britannia conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Britannia conveyancing panel. If they are not, this does add further risk of delay as Britannia will appoint their own solicitors to look after their interest.
My nephew is buying a newly built flat with a home loan from Britannia. His conveyancer has advised him of a delay in completing the ‘Disclosure of Incentive Form’. Who needs to receive the form?
The document is intended to provide information to the main parties involved in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Britannia conveyancing panel as a standard part of the process, and to the surveyor when requested.

The Developer will be required to start the process by downloading the form and completing it.

The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Britannia conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

I note that you have a post code search directory identifying solicitors on the Britannia conveyancing panel. Do firms pay you a referral fee if I appoint them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Britannia conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
My uncle passed away six months ago and as sole heir and executor was left the property. The house had a relatively small loan left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Britannia , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Britannia will insist on your using a conveyancer on the Britannia conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Britannia conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Britannia mortgage is registered as a charge at the Land Registry.
When it comes to mortgage companies such as Britannia do solicitors have to be pay a fee to be on the conveyancing panel?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Britannia have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Britannia your lawyer must to check the Britannia conveyancing instructions contained in the Part of CML Handbook for Britannia . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Britannia where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to proceed? I hope to get a mortgage with Britannia. Is there anyway to cut out the solicitors to save us both money? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Britannia involved you will need to appoint a solicitor on the Britannia conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Britannia. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Britannia conveyancing panel.