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Capital Home Loans Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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Is my firm on the
Halifax Conveyancing Panel?
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How can my firm be reinstated onto the Halifax Conveyancing Panel?
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Is my firm on the Halifax Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk mitigation tool.

This software is the only way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Capital Home Loans’s changes. While 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 panel application and, more importantly, safeguard your panel status.

COMPLETIONmonitor generates 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 some firms, leads to a PII saving.

Find a Law Firm approved by Capital Home Loans

Lenders often 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.

To find out more about lender panel compliance,
Book a Personalised Demo

Common questions asked concerning the Capital Home Loans Solicitor Panel from members of the public

What is the rationale as to why all property lawyers are not on the Capital Home Loans Solicitor panel?
Mortgage companies point to the fact that solicitor-led fraud is thought to be responsible for millions of pounds of fraud every year. The removal of law firms off of lender panels started with the rise in mortgage fraud, which prompted a thematic review by the Financial Services Authority in 2011. Its outcome included recommendations for lenders to review their conveyancing panels, which kicked off a major policy change in the sector. It led to banks and building societies purging less reputable firms off their books
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.
Are there any apps to help search for a local solicitor on the Capital Home Loans conveyancing panel? I have a car and am prepared to travel up to 20 kilometers to meet the conveyancer.
You can use the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Capital Home Loans solicitor panel.
I am purchasing a new build flat and getting a mortgage with Capital Home Loans. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Capital Home Loans conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Capital Home Loans conveyancing panel in your location.
My wife and I have arranged a further advance on our mortgage from Capital Home Loans as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the Capital Home Loans conveyancing panel to deal with the legals?
Capital Home Loans do not ordinarily instruct 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 panel
Planning on purchasing a house with a mortgage with Capital Home Loans. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Capital Home Loans conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Capital Home Loans conveyancing panel
I had an offer accepted on a property on the 7th January 2014, valuation was booked 4 days later, received a clean bill of health. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Capital Home Loans and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Capital Home Loans conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Capital Home Loans to deal with your lawyers application to be on the Capital Home Loans conveyancing panel. There's no guarantee that your solicitors will be accepted.

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