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Clydesdale Bank Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the Clydesdale Bank Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Clydesdale Bank Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers such as AmTrust. It is a unique risk mitigation tool.

This software is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on Clydesdale Bank’s changes. Even though utilising this technology is not a prerequisite for Clydesdale Bank , demonstrating you can stay up to date with Clydesdale Bank’s Handbook requirements is an excellent support to your panel application and, just as importantly, protect your firm’s panel standing.

The system generates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Clydesdale Bank

Banks and building societies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Clydesdale Bank 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, Clydesdale Bank has made 732 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 3.7 days. In total, 53% of the sections of P2 of the UK Finance Lenders’ Handbook for Clydesdale Bank have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Frequently asked questions relating to the Clydesdale Bank Solicitor Panel from members of the public

I need to swap lawyers as my lawyer is not on the Clydesdale Bank panel of conveyancing solicitors. Is it practical to instruct different lawyers?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
Please help. My conveyancer is assuring me that she is duty-bound to apply for a Local Authority search stemming from the fact that the firm are on the Clydesdale Bank conveyancing panel. Is this really necessary?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with Clydesdale Bank 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 Clydesdale Bank’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Clydesdale Bank. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Do I have to pop into the offices of the Clydesdale Bank conveyancing panel solicitor to sign the mortgage deed? If so, I will appoint a lawyer who conducts conveyancing in Manchester so that I can attend their offices if necessary.
Most conveyancing panel lawyers for Clydesdale Bank undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
My house is up for sale and I have a buyer. Does my solicitor have to be on the Clydesdale Bank conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Clydesdale Bank 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.
Why might a lender such as Clydesdale Bank withdraw a mortgage offer?
Banks and Building Societies such as Clydesdale Bank can revoke their mortgage offer although this rarely happens. should Clydesdale Bank withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are 5 examples:
  • If the borrower informs Clydesdale Bank of a change in the loan amount agreed
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
  • If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
My fiance and I are at the point of looking at flats and now considering a potential offer. Is it best to have a conveyancer on ‘stand by’? I intend to finance via a home loan with Clydesdale Bank
You should start obtaining conveyancing quotes from solicitors ASAP. 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 estate agent. As you are getting a mortgage with Clydesdale Bank , make sure you remember to check that your lawyer is on the Clydesdale Bank conveyancing panel.
After much negotiation I have agreed a price on a house. My financial adviser suggested a solicitor I paid an upfront payment of 150. Soon after the conveyancers contacted me to say that they were not on the Clydesdale Bank conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Clydesdale Bank panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.