Capital Home Loans 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 such as AmTrust. It is a unique risk mitigation tool.

This software assists the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on Capital Home Loans’s changes. Even though utilising COMPLETIONmonitor is not a prerequisite for Capital Home Loans , demonstrating you can stay up to date with Capital Home Loans’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 creates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by Capital Home Loans

Mortgage companies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from Capital Home Loans are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, Capital Home Loans has made 91 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 30.0 days. In total, 42% of the sections of P2 of the UK Finance Lenders’ Handbook for Capital Home Loans 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
5.4.4 02/12/2014 CML
Conveyancing Searches: Environmental Searches
Capital Home Loans approved lawyers requirement as to whether they want receive environmental or contaminated land reports
3.1.6 01/12/2014 CML
verification of identity
5.5.1a 01/12/2014 CML
requirements in terms of time for planning consents
6.14.2 01/12/2014 CML
requirement that all insurance risks are included
6.14.3 01/12/2014 CML
notification of non-renewal/cancellation for buildings insurance policy
16.4.1 08/10/2013 CML
Consent to Let
Contact details at Capital Home Loans for consent to let.
16.5.3b 08/10/2013 CML
Deed of Rectification
Where do solicitors and conveyancers send the deed of rectification in relation to Capital Home Loans mortgages ?
5.19.1 08/10/2013 CML
Shared Ownership and Shared Equity
Contact details at Capital Home Loans for conveyancing panel lawyers for lending on affordable housing, shared equity and shared ownership and where relevant Capital Home Loans requirements.
5.7.1c 08/10/2013 CML
Flying Freeholds
Contact details at Capital Home Loans for conveyancing panel lawyers where for reporting purposes where the property is a freehold flat or flying freehold, to which contact point must this be reported and where Capital Home Loans lend on such properties
Flying Freehold Indemnity Insurance
5.5.1a 01/12/2010 CML
requirements in terms of time for planning consents

Last update 11/10/2019

Q and A’s regarding the Capital Home Loans Conveyancing Panel from members of the public

My partner and I are FTBs. Within the 48 hours our lawyer has sent a preliminary report and documents to look through in anticipation of exchanging contracts shortly. Capital Home Loans have this morning contacted us to advise us that they have now hit a problem as our conveyancer is not on their conveyancing panel. Please explain?
When purchasing a property with the benefit 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 Accreditation Scheme. Your property lawyers should contact Capital Home Loans and see if they can apply for membership of the Capital Home Loans conveyancing panel, but if that is not viable Capital Home Loans will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on the Capital Home Loans conveyancing panel as you are at liberty to use your preferred lawyers, in which case it will likely add costs, and it will likely delay the transaction as you have another set of people involved.

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 Capital Home Loans will not agree to this. Why was Capital Home Loans even consulted?
Your lawyer being on the Capital Home Loans conveyancing panel is duty bound to inform Capital Home Loans of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Capital Home Loans then they would have to discontinue acting for you and Capital Home Loans.
Your search tool is useful but there are many lawyers listed near Leeds on the Capital Home Loans conveyancing panel. Can you recommend a specific firm on the conveyancing panel for Capital Home Loans ?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
My house is up for sale and I have a buyer. Does my solicitor have to be on the Capital Home Loans conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Capital Home Loans 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.
Are all Conveyancing Quality Solicitors on the Capital Home Loans conveyancing panel?
A selection of lenders now use the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
We expect to receive a DIP from Capital Home Loans this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Capital Home Loans recommend a solicitor on the Capital Home Loans conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the Capital Home Loans conveyancing panel. The solicitor represents both you and the Capital Home Loans through the process.
I have not been happy with the level or service received from my lawyer. Is there a Capital Home Loans conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to Capital Home Loans. Every solicitor firm and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is addressed by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.