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Co operative 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 Co operative Bank Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Co operative 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 professional indemnity insurers. COMPLETIONmonitor is a unique risk management tool.

This software assists the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Co operative Bank’s changes. While using this technology is not a prerequisite for Co operative Bank , demonstrating you can remain up to date with Co operative Bank’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Co operative Bank

Lenders often vary their requirements. The UK Finance Lenders’ Handbook requirements from Co operative 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, Co operative Bank has made 1261 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.2 days. In total, 77% of the sections of P2 of the UK Finance Lenders’ Handbook for Co operative Bank have been changed since 15/12/2008.

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Common questions asked concerning the Co operative Bank Conveyancing Panel from members of the public

My IFA has asked me for my lawyer’ panel reference for the Co operative Bank conveyancing panel. Can you suggest how I obtain this. I have e-mailed my local Co operative Bank branch but they cant find it on their system.
Have you tried speaking to your lawyer about this?. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Co operative Bank.
Our solicitor has uncovered a legal deficiency with the lease for the property we are buying. The other side have put forward defective title insurance as a workaround. We are happy with insurance and will cover the costs. Our solicitor says that as he is on the Co operative Bank conveyancing panel he must ensure that the lender is happy with this solution. Are we the client or is Co operative Bank?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Co operative Bank are the client. A precondition to being on the Co operative Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Co operative Bank). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Co operative Bank can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . 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 have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Co operative Bank conveyancing panel. My lawyer has said that they are on the Co operative Bank approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Co operative Bank conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Co operative Bank solicitor panel.
My aunt passed away last year and as sole heir and executor was left the house. The house had a small mortgage left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Co operative Bank , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Co operative Bank will insist on your using a conveyancer on the Co operative Bank conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Co operative Bank conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Co operative Bank mortgage is registered as a charge at the Land Registry.
My wife and I have arranged a further advance on our mortgage from Co operative Bank as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the Co operative Bank conveyancing panel to deal with the legals?
Co operative Bank do not ordinarily instruct firms on their approved list of lawyers 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 Co operative Bank panel
I was told four weeks ago that my mortgage has been agreed to by Co operative Bank. Is it usual for Co operative Bank to only issue the offer once my solicitor is approved on their conveyancing panel?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Co operative Bank to deal with your lawyers application to be on the Co operative Bank conveyancing panel. There's no guarantee that your solicitors will be accepted.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with Co operative Bank?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Co operative Bank conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Co operative Bank and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.

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