Fleet Mortgages Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and professional indemnity insures. It is a unique risk management tool.

This system is the only way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Fleet Mortgages’s changes. Notwithstanding that using COMPLETIONmonitor is not a prerequisite for Fleet Mortgages , demonstrating you can stay up to date with Fleet Mortgages’s Handbook requirements is an excellent support to your panel application and, just as importantly, protect your firm’s panel standing.

The system generates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by Fleet Mortgages

Lenders often change their requirements. The UK Finance Lenders’ Handbook requirements from Fleet Mortgages 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, Fleet Mortgages has made 54 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 50.6 days. In total, 16% of the sections of P2 of the UK Finance Lenders’ Handbook for Fleet Mortgages have been changed since 15/12/2008.

To find out more about lender panel compliance,

Book a Personalised Demo

Recent Changes Include

# Date Assoc. Changes Related To
1.11a 06/07/2016 CML
16.5.3b 06/07/2016 CML
16.5.3c 06/07/2016 CML
5.14.11 29/04/2016 CML Defective Lease Indemnity Insurance
5.14.15b 29/04/2016 CML Absentee Landlord Indemnity Insurance
6.6.3 29/04/2016 CML
5.14.1 02/11/2015 CML
16.5.3b 30/06/2015 CML
16.5.3d 30/06/2015 CML
17.1.1 30/06/2015 CML

Last update 11/09/2019

Common questions asked concerning the Fleet Mortgages Solicitor Panel from members of the public

I need to swap lawyers as my lawyer is not on the Fleet Mortgages panel of conveyancing solicitors. Is it advisable to appoint a new law firm?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
My husband and I changing mortgage lender for our flat with Fleet Mortgages. We have a son 19 who lives with us. The solicitor on the Fleet Mortgages conveyancing panel has asked us to disclose any adults other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the apartment is repossessed. I have a couple of concerns (1) Is this form unique to the Fleet Mortgages conveyancing panel as he did not need to sign this form when we bought 3 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Fleet Mortgages .This is solely used to protect the Fleet Mortgages if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Fleet Mortgages had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Whilst your website is a good idea there are many lawyers listed near London on the Fleet Mortgages conveyancing panel. Can you recommend a specific firm on the conveyancing panel for Fleet Mortgages ?
We do not recommend specific firms 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..
The solicitors that I appointed last week on my purchase in Brighton has without warning closed. I chose them because I had to have a solicitor on the Fleet Mortgages conveyancing panel and my previous lawyer was not. I paid them £200 on account. What should be my next steps?
Assuming that you have an Estate Agent in the equation then let them know immediately so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the Fleet Mortgages conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors may be able to assist
Are all Conveyancing Quality Solicitors on the Fleet Mortgages conveyancing panel?
A selection of banks and building societies now use the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
Can you point me to a directory of Fleet Mortgages panel solicitors on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
Do most banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Fleet Mortgages conveyancing panel requirements are different to Fleet Mortgages’s conveyancing panel requirements.