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Cumberland Building Society 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 Cumberland Building Society Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Cumberland Building Society Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based 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 facilitates the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Cumberland Building Society’s changes. While utilising the tool is not a condition for being on the Cumberland Building Society panel, demonstrating you can remain up to date with Cumberland Building Society’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by Cumberland Building Society

Lenders often vary their requirements. The BSA instructions from Cumberland Building Society 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 2010, Cumberland Building Society has made 108 revisions or additions to sections of their version of the BSA Requirements.
That equates to a section change every 25.3 days. In total, 35% of the sections of the BSA Requirements for Cumberland Building Society have been changed since 26/1/2010.

To find out more about lender panel compliance,
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Cumberland Building Society Conveyancing Panel Recently Asked Questions from members of the public

My financial adviser has informed me that I have to pay Cumberland Building Society fees should I instruct my family lawyer. How efficient are the Cumberland Building Society conveyancing panel solicitors? I dont care which law firm I use provided that they are good and not exorbitantly priced. Would you recommend a specific law firm on the Cumberland Building Society panel?
Cumberland Building Society’s conveyancing panel is pretty large so it would be advisable 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 Cumberland Building Society will allow to act for them.
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 Cumberland Building Society will not agree to this. Why was Cumberland Building Society even consulted?
Your lawyer being on the Cumberland Building Society conveyancing panel is duty bound to inform Cumberland Building Society of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Cumberland Building Society then they would have to discontinue acting for you and Cumberland Building Society.
Do banks and building societies provide you with an approved list of solicitors? How do you know who is on the Cumberland Building Society conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the Cumberland Building Society conveyancing panel as opposed to being supplied with a list from Cumberland Building Society directly.
I am purchasing a new build flat and getting a mortgage with Cumberland Building Society. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Cumberland Building Society conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Cumberland Building Society conveyancing panel in your location.
We were going to get a DIP from Cumberland Building Society this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Cumberland Building Society recommend a solicitor on the Cumberland Building Society conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Cumberland Building Society conveyancing panel. The solicitor represents both you and the Cumberland Building Society through the process.
I am currently in the process of buying my council flat. I have a mortgage agreed with Cumberland Building Society. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Cumberland Building Society you will need to appoint a solicitor on the Cumberland Building Society conveyancing panel.
My offer was accepted on a property on the 12th January 2014, valuation was booked five days after, all came back fine. Property lawyer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Cumberland Building Society and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Cumberland Building Society conveyancing panel. Can the lender hold off the offer?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Cumberland Building Society to deal with your lawyers application to be on the Cumberland Building Society conveyancing panel. There's no guarantee that your solicitors will be accepted.

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