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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 PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This system facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Co operative Bank’s changes. Notwithstanding that using this technology is not a prerequisite for Co operative Bank , demonstrating you can stay up to date with Co operative Bank’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your firm’s panel standing.

The software creates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Co operative Bank

Banks and building societies often change 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.

To find out more about lender panel compliance,
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Q and A’s regarding the Co operative Bank Conveyancing Panel from members of the public

We are hoping to buy a 1 bedroom flat in Hackney with a mortgage from Co operative Bank. We have a lawyer but Co operative Bank says she’s not on their "panel". It seems we have little choice but to instruct one of the Co operative Bank panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Co operative Bank use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Co operative Bank conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Co operative Bank
I am due to complete my purchase next Tuesday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in has capacity as lawyer for Co operative Bank. What does the insurance need to cover?
Any lawyer on the Co operative Bank conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Co operative Bank’s Part 2 requirements of the CML Handbook (last updated on Co operative Bank). Being on the Co operative Bank conveyancing panel your lawyer is expect to follow these requirements.
I am buying a house and require a conveyancing solicitor in Birmingham who is on the Co operative Bank approved. Could you point me in the right direction as regards a conveyancing firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Co operative Bank . We don’t recommend any particular firm.
I was due to move into my dream home last Thursday. My solicitor is on the Co operative Bank conveyancing panel but has moved offices 8 weeks ago and had not advised Co operative Bank of their new address. Co operative Bank is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Co operative Bank branch or your mortgage broker to see if they can assist.
I have a mortgage with Co operative Bank. Conveyancing has been completed 12 months ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Co operative Bank?
Your original mortgage agreement with Co operative Bank will provide that you need their approval prior to letting out your property as this is likely to be a breach of Co operative Bank’s mortgage conditions. It may be that Co operative Bank 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 Co operative Bank directly. You need not do this via a Co operative Bank conveyancing panel firm.
After much negotiation I have agreed a price on an apartment. My mortgage broker pressured me to appoint their lawyers I paid an upfront payment of 150. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Co operative 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 Co operative 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.
My offer was accepted on an apartment on the 7th March 2014, valuation was booked 4 days later, received a clean bill of health. Solicitor retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Co operative Bank and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Co operative Bank conveyancing panel. Can the lender hold off the offer?
Mortgage companies tend not to not issue an offer 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.

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