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Coutts & Co 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 Coutts & Co Conveyancing Panel?
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How can my firm be reinstated onto the Coutts & Co Conveyancing Panel?
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COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk mitigation tool.

This software is the only way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Coutts & Co’s changes. Notwithstanding that using the software is not a condition for acceptance on the Coutts & Co panel, demonstrating you can stay up to date with Coutts & Co’s Handbook requirements is an excellent support to your panel application and, just as importantly, safeguard your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Coutts & Co

Mortgage companies often vary their requirements. The UK Finance Lenders’ Handbook requirements from Coutts & Co 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, Coutts & Co has made 199 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 13.7 days. In total, 44% of the sections of P2 of the UK Finance Lenders’ Handbook for Coutts & Co have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Coutts & Co Conveyancing Panel Sample Enquires to our Call Center from members of the public

I have been advised by my broker that I have to pay Coutts & Co fees should I instruct my family lawyer. How efficient are the Coutts & Co conveyancing panel solicitors? I dont care which law firm I use as long as they're good and not exorbitantly priced. Are there any Coutts & Co conveyancers you'd recommend?
Coutts & Co’s conveyancing panel is pretty large so your best bet is just to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Coutts & Co will allow to act for them.
Please assist. My lawyer is not to blame but, my purchase conveyancing has been going on for months. The Local Authority Search from Coutts & Co was date stamped random date and we have agreed a date for me to move into the property on 10 days inc Day of week eg. Mon. My solicitor informs me that as she is on the Coutts & Co conveyancing panel she needs to redo the searches as they are now out of date.
One of the many conditions to being on the Coutts & Co approved panel is to comply with the CML Handbook requirements (last updated for this lender on Coutts & Co)which specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Coutts & Co.
Is it necessary during the course of the conveyancing process to have a meeting at the offices of the Coutts & Co conveyancing panel solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in Liverpool so that I can pop in to their offices if necessary.
Most conveyancing panel lawyers for Coutts & Co 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.
I would like to get my ex-wife taken off the mortgage deeds. Can Coutts & Co really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but Coutts & Co 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 Coutts & Co solicitors panel
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Coutts & Co conveyancing panel?
A selection of banks and building societies now use CQS as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of conveyancing solicitors.
Is it the case that all conveyancing solicitors on the Coutts & Co conveyancing panel work on a no move no charge basis?
There is generally no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
I recently had an offer accepted on an apartment. My mortgage broker suggested a solicitor I paid an upfront payment of 175. Soon after the conveyancers contacted me to say that they were not on the Coutts & Co 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 Coutts & Co 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.

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