Fleet Mortgages Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk mitigation tool.

This system facilitates the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Fleet Mortgages’s changes. Even though utilising COMPLETIONmonitor is not a prerequisite for Fleet Mortgages , demonstrating you can remain up to date with Fleet Mortgages’s Handbook requirements is an excellent support to your panel application and, more importantly, protect your firm’s 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 many firms, leads to reduced PII premiums.

Find a Law Firm approved by Fleet Mortgages

Banks and building societies frequently 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 53 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 51.5 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,

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Recent Changes Include

# Date Assoc. Changes Related To
14.2.2 20/07/2017 CML
16.5.2 20/07/2017 CML
16.5.3b 20/07/2017 CML
5.7.1a 20/07/2017 CML Flying Freehold Indemnity Insurance
1.11b 06/07/2016 CML
16.5.3a 06/07/2016 CML
6.6.4 29/04/2016 CML
9.1 29/04/2016 CML Adverse Possession Indemnity Insurance Possessory Title Indemnity Insurance Missing Deeds Indemnity Insurance Defective Title Indemnity Insurance
6.14.1 30/11/2015 CML
5.5.3b 09/03/2015 CML Lack of Planning Permission Indemnity Insurance

Last update 13/07/2019

FAQs : The Fleet Mortgages Solicitor Panel from members of the public

I am hoping to receive a offer of a mortgage from Fleet Mortgages. my intention is to retain the legal services of a Licensed Conveyancer. Does the Fleet Mortgages Solicitor panel allow for Licensed Conveyancers
Fleet Mortgages’s conveyancing panel is, like many other lenders represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
My lawyer has discovered an inconsistency when comparing the surveyor’s assumptions in Fleet Mortgages’s valuation report and what is revealed within the legal papers for the property. My solicitor has advised that as he is on the Fleet Mortgages conveyancing panel he is obliged to check that the lender is happy with this discrepancy and is still content to lend. Is my conveyancer’s approach correct?
A precondition to being on the Fleet Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on Fleet Mortgages) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
Do banks and building societies provide you with an approved list of solicitors? How do you know who is on the Fleet Mortgages conveyancing panel?
The firms themselves provide us confirmation that they are on the Fleet Mortgages conveyancing panel as opposed to being supplied with a list from Fleet Mortgages directly.
I am buying a new build flat and getting a mortgage with Fleet Mortgages. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Fleet Mortgages 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 Fleet Mortgages conveyancing panel in your location.
We have agreed a price on a flat I spoke to a conveyancer recommended by my mum and he advised retaining a solicitor approved by Fleet Mortgages. The estate agent recommended two local firms so I asked Fleet Mortgages if the 2 suggested solicitors are approved, which they are not. Fleet Mortgages 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 Fleet Mortgages '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 Fleet Mortgages for conveyancing panel firms in your area. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Fleet Mortgages 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 Fleet Mortgages conveyancing panel as it may only take about 2-3 weeks. As long as they meet Fleet Mortgages’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 am selling my apartment. I had a double glazing fitted in month 8 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Fleet Mortgages are being a right pain. The solicitor who is on the Fleet Mortgages conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Fleet Mortgages are requiring a building regulation certificate. Why do Fleet Mortgages have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Fleet Mortgages have referred the matter to their valuer. The reason why Fleet Mortgages may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
Fleet Mortgages have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Fleet Mortgages or your broker and complete any relevant paperwork. Fleet Mortgages will tell you what documents they want. Fleet Mortgages will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Fleet Mortgages will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.