Britannia Conveyancing Lender Panel Compliance Tool

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

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

COMPLETIONmonitor generates real-time alerts, automatically produces SRA and CQS reports, and will improve your firm's efficiency. It is also simply to use, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Britannia

Banks and building societies 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 494 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 5.5 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 Solicitor Panel from members of the public

My wife and I are FTBs. Within the 48 hours our conveyancer has sent a preliminary report and documents to look through with the expectation that exchange is imminent. Britannia have this afternoon contacted us to inform me that they have now hit a problem as our solicitor is not on their approved list of lawyers. What do we do from here?
If you are buying a property with the assistance of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.

In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your property lawyers should contact Britannia and see if they can apply for membership of the Britannia conveyancing panel, but if that is not viable Britannia will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on the Britannia conveyancing panel as you are at liberty to use your preferred lawyers, in which case your legal fees may increase, and it may delay matters as you have another set of people involved.

My god-son is about to exchange on 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’. What is this document - I have never come across this before?
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.

Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Britannia conveyancing panel. My lawyer has said that they are on the Britannia 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 Britannia 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 Britannia solicitor panel.
I am trying to get my former partner taken off the mortgage deeds. Can Britannia really tell me which solicitor I can or can not use?
You can use any solicitor you like but Britannia then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Britannia solicitors panel
When it comes to lenders such as Britannia do solicitors have to be pay a fee to be on the list of approved solicitors?
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.
I have instructed a lawyer having checked that they are on the Britannia conveyancing panel. Does my lawyer arrange the survey of the property? Or Having digested plenty of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Britannia conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Britannia will need an independent valuation of the property. Your lawyer will not arrange this. Usually Britannia 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 Britannia you could contact your them to see if they have a list of approved surveyors.
Britannia have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Britannia or your broker and complete any relevant paperwork. Britannia will tell you what documents they want. Britannia will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Britannia will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.