Capital Home Loans Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the CML and professional indemnity insures. It is a unique risk management tool.

This software optimises the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Capital Home Loans’s changes. Even though utilising COMPLETIONmonitor is not a condition for acceptance on the Capital Home Loans panel, demonstrating you can remain up to date with Capital Home Loans’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by Capital Home Loans

Banks and building societies 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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Capital Home Loans Conveyancing Panel : Questions and Answers from members of the public

On what basis would a firm of solicitors be removed from the Capital Home Loans approved conveyancing panel?
According to a recent survey report by the solicitors regulator three quarters of law firms had been removed from a lender panel. The most common reasons in order are :
  1. Low volume 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. We are not aware of the specific or common criteria for removal by Capital Home Loans
My solicitor has identified an inconsistency between the information in Capital Home Loans’s home valuation report and what is revealed within the title deeds. My solicitor informs me that as he is on the Capital Home Loans conveyancing panel he is duty bound to ensure that the lender is happy with this discrepancy and is still content to lend. Is my solicitor’s course or action legitimate?
A precondition to being on the Capital Home Loans approved panel is to comply with the CML Handbook requirements (last updated for this lender on Capital Home Loans) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
I am purchasing a house and need a conveyancing solicitor in Leeds who is on the Capital Home Loans conveyancing. Could you point me in the right direction as regards a solicitor?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Capital Home Loans . We don’t recommend any particular firm.
I am considering mortgaging my flat does my lawyer need to be on the Capital Home Loans Solicitor panel?
There is nothing to stop you using your solicitor but Capital Home Loans will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
Can you point me to a directory of Capital Home Loans panel conveyancers on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
We expect to receive a DIP from Capital Home Loans this week so we can work out what to offer on a property we like 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 go independently
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 am selling my flat. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Capital Home Loans are being pedantic. The solicitor who is on the Capital Home Loans conveyancing panel is recommending indemnity insurance as a solution but Capital Home Loans are requiring a building regulation certificate. Why do Capital Home Loans have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Capital Home Loans have referred the matter to their valuer. The reason why Capital Home Loans may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.