Godiva Mortgages Conveyancing Lender Panel Compliance Tool

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

This system is the only way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on Godiva Mortgages’s changes. Notwithstanding that utilising this technology is not a prerequisite for Godiva Mortgages , demonstrating you can stay up to date with Godiva Mortgages’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your panel standing.

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

Find a Law Firm approved by Godiva Mortgages

Mortgage companies often vary their requirements. The UK Finance Lenders’ Handbook requirements from Godiva Mortgages 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 2008, Godiva Mortgages has made 305 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 9.0 days. In total, 59% of the sections of P2 of the UK Finance Lenders’ Handbook for Godiva Mortgages have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Q and A’s regarding the Godiva Mortgages Solicitor Panel from members of the public

My lawyer is not listed on the Godiva Mortgages Solicitor Panel. Is it possible for me to retain my family solicitor even though they are not on the Godiva Mortgages panel of approved conveyancing solicitors?
You have a number of options available to you here:
  1. Complete the purchase with your existing lawyers but Godiva Mortgages will need to instruct a lawyer on the Godiva Mortgages 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 Godiva Mortgages conveyancing panel.
  3. Urge your lawyer to apply to join the Godiva Mortgages lender panel
We are approaching an exchange and my mum and dad having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Godiva Mortgages. Apparently, being on the Godiva Mortgages conveyancing panel and acting on their behalf he must inform Godiva Mortgages if the balance of the mortgage advance is not just from me. I disclosed to the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for him to raise this?
Your lawyer is obliged to check with Godiva Mortgages to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Godiva Mortgages if you agree, failing which, your lawyer must cease to continue acting.
How do I find a local solicitor on the Godiva Mortgages conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the lawyer.
You can use the find a conveyancing panel tool on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Godiva Mortgages solicitor panel.
I am in the process of mortgaging my house does my lawyer have to be on the Godiva Mortgages Solicitor panel?
In theory, you could use a solicitor that is not on Godiva Mortgages conveyancing panel, but Godiva Mortgages would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
Can you point me to a directory of Godiva 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.
I was thinking of purchasing my friend’s property. Once we agree a price, what’s the best way to move forward? I plan to obtain a mortgage with Godiva Mortgages. Is there anyway to cut out the solicitors to save on the costs? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Godiva Mortgages involved you will need to appoint a solicitor on the Godiva Mortgages conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Godiva Mortgages. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Godiva Mortgages conveyancing panel.
It is not clear whether my mortgage offer requires a lease extension . I have telephoned Godiva Mortgages on various occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Godiva Mortgages conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. I simply dont know who is right
Your lawyer has to follow the CML Handbook Part 2 requirements for Godiva Mortgages. Unless your lawyer obtains specific confirmation in writing that Godiva Mortgages will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Godiva Mortgages to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.