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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 professional indemnity insurers. It is a unique risk management tool.

This software optimises the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Cumberland Building Society’s changes. While using COMPLETIONmonitor is not a prerequisite for Cumberland Building Society , demonstrating you can stay up to date with Cumberland Building Society’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your panel status.

The system creates real-time alerts, automatically produces SRA and CQS reports, and will increase your firm's efficiency. It is also user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by Cumberland Building Society

Mortgage companies 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.

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Cumberland Building Society Solicitor Panel Example Support Desk Enquires from members of the public

My IFA has says he needs my law firm’s panel member for the Cumberland Building Society conveyancing panel. How do I obtain this. I have called my local Cumberland Building Society branch but they cant find it on their system.
You are best placed to get this information from your conveyancing lawyer. They should have a central record lender panel numbers including the Cumberland Building Society panel reference.
I am purchasing a newly built apartment and my conveyancer is informing me that she is duty bound to disclose incentives from the developer as her practice is on the Cumberland Building Society conveyancing panel. I am under pressure to sign contracts and I would rather not delay the conveyancing. is my lawyer taking the correct approach?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Cumberland Building Society approved panel is to comply with the CML Handbook requirements (last updated for this lender on Cumberland Building Society). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Whilst your website is a good idea there are many lawyers listed near Coventry on the Cumberland Building Society conveyancing panel. Can you recommend a specific firm on the Cumberland Building Society 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 was scheduled to move into my flat two days ago. My lawyer’s firm is on the Cumberland Building Society solicitors panel but has moved offices in the past couple of months and had not informed Cumberland Building Society of their new address. Cumberland Building Society is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Cumberland Building Society branch or your mortgage broker to see if they can assist.
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Cumberland Building Society conveyancing panel?
A selection of lenders now use the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however is 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.
We have a mortgage agreed in principle with Cumberland Building Society. Solicitors have been chosen? How long does it take for Cumberland Building Society to send the offer to our conveyancer
There is no definitive answer here. Have Cumberland Building Society done the survey? Have you advised Cumberland Building Society as your lawyers details and checked that your lawyer is on the Cumberland Building Society conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
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. Please confirm
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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