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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 residential conveyancing lawyers. It is supported by PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system assists the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with alerts 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 an excellent support to your panel application and, just as importantly, protect your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces SRA and CQS reports, and will improve your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Cumberland Building Society

Mortgage companies often change 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, frequently:

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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Common questions asked concerning the Cumberland Building Society Solicitor Panel from members of the public

My lawyer is not on the Cumberland Building Society Approved Panel. Can I still continue with my preferred solicitor even though they are excluded from the Cumberland Building Society panel?
The most common options here are as follows:
  1. Carry on with your existing solicitors but Cumberland Building Society will need to instruct a lawyer on the Cumberland Building Society conveyancing panel. This will result in additional cost and potential delay.
  2. Get a new solicitor to act in the purchase, obviously checking they are on the Cumberland Building Society conveyancing panel.
  3. Convince your lawyer to do everything within their powers to join the Cumberland Building Society conveyancing 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 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.
Are the lawyers identified as being on the Cumberland Building Society conveyancing panel, together with their details provided by Cumberland Building Society?
The firms 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 would like to get my ex-wife removed the mortgage deeds. Can Cumberland Building Society really tell me which solicitor I can or can not use?
You can use any solicitor you like but Cumberland Building Society 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 Cumberland Building Society solicitors panel
We are getting a further advance on our mortgage from Cumberland Building Society as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Cumberland Building Society conveyancing panel to deal with the legals?
Cumberland Building Society do not ordinarily instruct a member of their approved list of lawyers to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Cumberland Building Society panel
I have agreed a price on a house I spoke to a solicitor recommended by my uncle and he recommended instructing a law firm approved by Cumberland Building Society. The estate agent recommended two local firms so I asked Cumberland Building Society if the 2 suggested solicitors are approved, which they are not. Cumberland Building Society pointed out that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Cumberland Building Society 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Cumberland Building Society for conveyancing panel firms in your area. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the Cumberland Building Society conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Cumberland Building Society conveyancing panel as it may only take about 2-3 weeks. As long as they meet Cumberland Building Society’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
I have paid off my mortgage with Cumberland Building Society. I assume I don't need a solicitor on the Cumberland Building Society panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Cumberland Building Society 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 Cumberland Building Society mortgage from the register. Cumberland Building Society,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 Cumberland Building Society has sent the Land Registry the discharge electronically, and the Cumberland Building Society has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Cumberland Building Society mortgage has been paid off.

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