RBS - Direct Line One Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and PI insurers. COMPLETIONmonitor is a unique risk management tool.

This system facilitates the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on RBS - Direct Line One’s changes. Even though using COMPLETIONmonitor is not a condition for being on the RBS - Direct Line One panel, demonstrating you can remain up to date with RBS - Direct Line One’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your 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 user friendly, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by RBS - Direct Line One

Banks and building societies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from RBS - Direct Line One 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, RBS - Direct Line One has made 175 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 15.6 days. In total, 44% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS - Direct Line One 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
6.7.1 23/08/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc Direct Line Mortgages approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
5.19.1 19/07/2016 CML
Shared Ownership and Shared Equity
Contact details at The Royal Bank of Scotland plc Direct Line Mortgages for conveyancing panel lawyers for lending on affordable housing, shared equity and shared ownership and where relevant The Royal Bank of Scotland plc Direct Line Mortgages requirements.
16.3.1 31/05/2016 CML
Transfer of Equity
The Royal Bank of Scotland plc Direct Line Mortgages clarification as to whether they have a standard form of Transfer of Equity/Deed of Covenant?
6.7.1 12/02/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc Direct Line Mortgages panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.14.1 30/11/2015 CML
Building Insurance
The Royal Bank of Scotland plc Direct Line Mortgages approved lawyers additional requirements concerning building insurance
6.7.1 17/11/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc Direct Line Mortgages panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.14.1 04/12/2014 CML
Building Insurance
The Royal Bank of Scotland plc Direct Line Mortgages panel lawyers additional requirements concerning building insurance
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.1c 01/12/2014 CML
buildings insurance total sum insured calculation
6.14.1d 01/12/2014 CML
maximum excess re building insurance

Last update 23/03/2019

FAQs : The RBS - Direct Line Conveyancing Panel from members of the public

I was advised recently by my estate agent that my property lawyer is not on the RBS - Direct Line Solicitor panel. How can I check?
The first thing you need to do is to contact your lawyer directly. You lawyer should advise you of the situation. If they are not on the panel they may recommend you to a firm that is on the the approved RBS - Direct Line solicitor panel.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company RBS - Direct Line will not agree to this. Why was RBS - Direct Line even consulted?
Your lawyer being on the RBS - Direct Line conveyancing panel is duty bound to inform RBS - Direct Line of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to RBS - Direct Line then they would have to discontinue acting for you and RBS - Direct Line.
Your search tool is useful but there are many lawyers listed near Middlesbrough on the RBS - Direct Line conveyancing panel. Can you recommend a specific firm on the RBS - Direct Line approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I am trying to get my ex-wife taken off the mortgage deeds. Can RBS - Direct Line really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but RBS - Direct Line then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the RBS - Direct Line solicitors panel
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender RBS - Direct Line be concerned
Given that you are obtaining a mortgage with RBS - Direct Line your lawyer must to check the RBS - Direct Line conveyancing instructions contained in the Part of CML Handbook for RBS - Direct Line . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to RBS - Direct Line where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
I have paid off my mortgage with RBS - Direct Line. I assume I don't need a solicitor on the RBS - Direct Line panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your RBS - Direct Line mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the RBS - Direct Line mortgage from the register. RBS - Direct Line,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the RBS - Direct Line has sent the Land Registry the discharge electronically, and the RBS - Direct Line has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your RBS - Direct Line mortgage has been paid off.
Completion of my remortgage has taken place with a mortgage from RBS - Direct Line. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about RBS - Direct Line. How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the RBS - Direct Line branches or the Customer Services Department at RBS - Direct Line head office. Ordinarily complaints to RBS - Direct Line are sorted out very quickly. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.