Capital Home Loans Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers such as AmTrust. It is a unique risk management tool.

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Capital Home Loans’s changes. Notwithstanding that using this technology is not a condition for being on the Capital Home Loans panel, demonstrating you can stay up to date with Capital Home Loans’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your panel status.

The software 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, results in 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, over time:

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.

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Examples of recent questions relating to the Capital Home Loans Conveyancing Panel from members of the public

Am I correct in assuming that the fact that my conveyancer is not isted on the Capital Home Loans Solicitor panel that there is a problem with the standard of her conveyancing?
That would more than likely be a wrong assumption to make. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal are: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for Capital Home Loans.
Please help. My conveyancer is informing me me that he is legally obliged to conduct a Local Authority search because the firm are on the Capital Home Loans approved lawyer panel. Is this really necessary?
You have limited options available to you. Given that you are taking out a loan with Capital Home Loans your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Capital Home Loans’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Capital Home Loans. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Do banks and building societies provide you with an approved list of solicitors? How do you know who is on the Capital Home Loans conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the Capital Home Loans conveyancing panel as opposed to being supplied with a list from Capital Home Loans directly.
I am selling my house. Does my solicitor have to be on the Capital Home Loans conveyancing panel in order to deal with redeeming 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.
My wife and I have arranged a further advance on our mortgage from Capital Home Loans as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Capital Home Loans conveyancing panel to deal with the paperwork?
Capital Home Loans do not ordinarily appoint a member of their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Capital Home Loans list
My husband and I are spending time looking at houses and now considering a potential offer. Is it premature to have a solicitor in place? I will be getting a home loan with Capital Home Loans
It would be sensible to have your start your search soon rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Capital Home Loans , ask your prospective lawyers check they are on the Capital Home Loans conveyancing panel otherwise they can't do the mortgage legal work.
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.