Capital Home Loans Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and professional indemnity insures. It is a unique risk mitigation tool.

This software is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Capital Home Loans’s changes. Notwithstanding that using the tool 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 a helpful support to your panel application and, more importantly, safeguard your firm’s panel standing.

The system generates real-time alerts, automatically produces SRA and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Capital Home Loans

Banks and building societies 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

Recent Changes Include

# Date Assoc. Changes Related To
5.5.1a 01/12/2014 CML
requirements in terms of time for planning consents
6.14.1a 01/12/2014 CML
contact point if property is not insured in accordance with lender requirement
6.14.1c 01/12/2014 CML
buildings insurance total sum insured calculation
6.14.3 01/12/2014 CML
notification of non-renewal/cancellation for buildings insurance policy
3.1.3 01/12/2014 CML
Conveyancing Solicitors Details for Sellers
Do Capital Home Loans require notification form their panel lawyer of the name and address of the solicitors firm or licensed conveyancers firm acting for the seller?
12.3.1 08/10/2013 CML
Instalment Mortgages
Do Capital Home Loans have a specific contact point for their approved lawyer for release of retentions/mortgage advance instalments?
3.2.4 08/10/2013 CML
Sellers not having Legal Representation
Contact details at Capital Home Loans for conveyancing panel lawyers to used where Capital Home Loans needs to be notified when the seller does not have legal representation.
5.5.3a 08/10/2013 CML
Planning Permission and Building Regulations : Breaches
Contact details at Capital Home Loans for approved lawyers where there evidence of breach and all outstanding conditions will not be satisfied by completion
Lack of Planning Permission Indemnity Insurance
6.5.1 08/10/2013 CML
Vacant Possession on Completion
Contact details at Capital Home Loans for approved lawyers were vacant possession is not being given.
6.6.1 08/10/2013 CML
Buy to Let Conveyancing
Contact details at Capital Home Loans for approved lawyers were the subject property is let/to be let and to check Capital Home Loans lend on buy-to-let.

Last update 12/08/2019

Capital Home Loans Conveyancing Panel Sample Enquires to our Call Center from members of the public

The lawyer my fiance and I wanted to use for conveyancing on a purchase said she will levy higher legal fees if my lender is because of their unusual legal requirements. Am I likely to be frustrated using Capital Home Loans? Any comments will be appreciated
Capital Home Loans conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Capital Home Loans conveyancing panel. If they are not, this does add further risk of delay as Capital Home Loans will appoint their own solicitors to look after their interest.
Can you clarify something for me?. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Capital Home Loans was date stamped random date and we have agreed a date for me to move into the property on 6 months + 3. My solicitor informs me that as she is on the Capital Home Loans conveyancing panel she needs to reorder the searches as they are now out of date.
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 states that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Capital Home Loans.
How do I find a local solicitor on the Capital Home Loans conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the solicitor.
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 selling my house. 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.
We have a mortgage agreed in principle with Capital Home Loans. Solicitors have been appointed? What is the average time that one could expect to receive a mortgage offer from Capital Home Loans?
Some lenders take longer than others. Have Capital Home Loans completed the survey? Have you advised Capital Home Loans as your lawyers details and checked that your lawyer is on the Capital Home Loans conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
I currently have a mortgage with with Capital Home Loans. Conveyancing was finalised a year ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Capital Home Loans?
Capital Home Loans must be informed of your intention in advance of renting your property as this is likely to be a breach of Capital Home Loans’s mortgage conditions. It may be that Capital Home Loans will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Capital Home Loans directly. You need not do this via a Capital Home Loans conveyancing panel lawyer.
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