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 PI insurers. It is a unique risk mitigation tool.

This system is the only way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Capital Home Loans’s changes. While using this technology 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 panel application and, more importantly, safeguard your firm’s panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will increase 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 often change 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,

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Recent Changes Include

# Date Assoc. Changes Related To
1.11b 08/10/2013 CML
General Mortgage Instructions
Contact details at Capital Home Loans for conveyancing panel lawyers to where standard mortgage documentation is inappropriate
16.1.1 08/10/2013 CML
Title Documents
Capital Home Loans details for requesting Title Documentation
4.3 08/10/2013 CML
Mortage valuation
Contact details at Capital Home Loans for conveyancing panel lawyers where assumptions stated by the valuer are incorrect
6.12.1 08/10/2013 CML
Pre-emption Rights, Options and Pre-emption Rights
Contact details at Capital Home Loans for approved lawyers to used where Capital Home Loans needs to be notified where property is affected by pre-emption rights, resale restrictions, options etc .
6.14.1a 08/10/2013 CML
contact point if property is not insured in accordance with lender requirement
6.4.4 08/10/2013 CML
Disclosing Incentives
Capital Home Loans panel lawyers additional requirements concerning reporting incentives
6.6.2 08/10/2013 CML
Buy to Let Conveyancing
Contact details at Capital Home Loans for conveyancing panel lawyers when law firm does not have details of current letting or letting to take place at completion.
6.8.1 08/10/2013 CML
Roads and Sewers
Contact details at Capital Home Loans for conveyancing panel lawyers if no agreement and bond for an unadopted road or sewer
Adoption of Road or Sewer Indemnity Insurance
5.2.1 08/10/2013 CML
Seller not registered
Contact details at Capital Home Loans for approved lawyers for where the seller is not the owner or registered proprietor and is not listed in the exceptions in the CML Handbook P1.
10.2a 01/12/2010 CML
Mortgage Advance and Certificate of Title
Do Capital Home Loans send the mortgage advance electronically or by cheque?

Last update 24/01/2020

FAQs : The Capital Home Loans Solicitor Panel from members of the public

I appointed a firm of solicitors to carry out on my house purchase 4 weeks ago having applied for a mortgage with Capital Home Loans. The law firm reassured me that they are on Capital Home Loans conveyancing panel and advised me their panel number. Capital Home Loans then told me that their panel number was dormant and would need to be reactivated. What happens next? Should I appoint a new solicitor currently on the conveyancing panel for Capital Home Loans?
You may be very frustrated with the lawyer but if it only go take a few more days they it may be worth waiting as, depending on how far progressed you are you may end up delaying the transaction by a number of weeks if you need to replace your solicitor You may wish to enlist the help of your broker to check with the Capital Home Loans as to how long they think it will take to get the firm to get back on the panel.
My conveyancer has discovered a difference when comparing the assumptions in Capital Home Loans’s valuation survey and what is revealed within the title deeds. My solicitor says that as he is on the Capital Home Loans conveyancing panel he needs to check that the lender is happy with this discrepancy and is content go ahead. Is my conveyancer’s approach right?
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 you.
I am planning to acquire a flat and require a conveyancing solicitor in who is on the Capital Home Loans solicitor. Could you point me in the right direction as regards a firm?
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.
We're in Liverpool, FTBs purchasing with a mortgage (lender is Capital Home Loans , but our solicitor is on the Capital Home Loans conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Capital Home Loans conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
I have had an offer accepted on a house I spoke to a conveyancer recommended by my mum and he advised using a property lawyers approved by Capital Home Loans. The estate agent recommended two local firms so I asked Capital Home Loans if the 2 suggested solicitors are approved, which they are not. Capital Home Loans pointed out that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Capital Home Loans 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Capital Home Loans for conveyancing panel firms in your area. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the Capital Home Loans conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Capital Home Loans conveyancing panel as it may only take about 2-3 weeks. As long as they meet Capital Home Loans’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
I can not work out if my mortgage offer requires a lease extension . I have telephoned Capital Home Loans on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Capital Home Loans conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
As long as the conveyancer is on the Capital Home Loans panel she or he must comply with the CML Handbook requirements for Capital Home Loans. Unless your lawyer obtains specific confirmation in writing that Capital Home Loans will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Capital Home Loans to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
Intending to buy a flat 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