RBS - Direct Line One Conveyancing Lender Panel Compliance Tool

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

This software facilitates the way you can demonstrate to lender panels that you are, and can remain 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 stay up to date with RBS - Direct Line One’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your panel standing.

The system creates 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 many firms, leads to a PII saving.

Book a RBS - Direct Line One Demo for this Panel Compliance Tool

Lenders frequently vary 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, frequently:

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
5.7.1b 02/12/2016 CML
Freehold Flats
The Royal Bank of Scotland plc Direct Line Mortgages approved lawyers clarification as to whether they lend on freehold flats
Flying Freehold Indemnity Insurance
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
10.2b 05/07/2016 CML
Mortgage Advance and Certificate of Title
What is the minimum number of days notice The Royal Bank of Scotland plc Direct Line Mortgages require ahead of sending the mortgage advance?
6.7.1 12/02/2016 CML
New Build Conveyancing
The Royal Bank of Scotland plc Direct Line Mortgages approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 25/09/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc Direct Line Mortgages panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.1a 01/12/2014 CML
contact point if property is not insured in accordance with lender requirement
6.14.1d 01/12/2014 CML
maximum excess re building insurance
6.14.2 01/12/2014 CML
requirement that all insurance risks are included
6.14.3 01/12/2014 CML
notification of non-renewal/cancellation for buildings insurance policy

Last update 08/11/2018

Examples of recent questions relating to the RBS - Direct Line Solicitor Panel from members of the public

I am getting a mortgage with RBS - Direct Line. I intend to retain the legal services of a Licensed Conveyancer. Does the RBS - Direct Line Conveyancing panel include Licensed Conveyancers
RBS - Direct Line’s approved solicitor list is, like many other lenders represented by the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
Our conveyancer has uncovered a defect with the lease for the apartment we are purchasing. The other side have suggested defective title insurance as a solution. We are content with insurance and will cover the costs. Our solicitor has advised that as he is on the RBS - Direct Line conveyancing panel he must be satisfied that the lender is happy with this solution. Are we the client or is RBS - Direct Line?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and RBS - Direct Line are the client. A precondition to being on the RBS - Direct Line approved panel is to comply with the CML Handbook requirements (last updated for this lender on RBS - Direct Line). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that RBS - Direct Line 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 need to find a RBS - Direct Line panel solicitor in Stirling. Can you assist?
It is not clear why you need a RBS - Direct Line panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to RBS - Direct Line to find out which solicitors in RBS - Direct Line are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
My lawyers in Leeds have advised me that they can not locate my conveyancing file. To assist with my purchase I took out a mortgage with RBS - Direct Line. Is it case that being on the RBS - Direct Line conveyancing panel they need to have retained the file for a number of years?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the RBS - Direct Line Conveyancing Panel Terms. It might be worth you contacting RBS - Direct Line directly.
When it comes to mortgage companies such as RBS - Direct Line do solicitors have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
How can we tell if a solicitor on the RBS - Direct Line panel is any good?
Getting recommendations is a sensible start. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the lawyer carrying out your conveyancing
I was told three weeks ago that my mortgage has been agreed to by RBS - Direct Line. Is it usual for RBS - Direct Line 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 RBS - Direct Line to deal with your lawyers application to be on the RBS - Direct Line conveyancing panel. There's no guarantee that your solicitors will be accepted.