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Habito 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 Habito Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Habito Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. It is a unique risk mitigation tool.

This system facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Habito’s changes. While utilising this technology is not a condition for acceptance on the Habito panel, demonstrating you can stay up to date with Habito’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Habito

Banks and building societies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Habito 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, Habito has made 14 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 195.0 days. In total, 7% of the sections of P2 of the UK Finance Lenders’ Handbook for Habito have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Habito Conveyancing Panel : Questions and Answers from members of the public

I am hoping to receive a offer of a mortgage from Habito. I would like to enlist the help of a Licensed Conveyancer. Does the Habito Conveyancing panel exclude Licensed Conveyancers
Habito’s conveyancing panel is, like many other lenders represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I am due to move into my new home next Tuesday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for Habito. What does the insurance need to cover?
All property lawyers on the Habito conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Habito’s Part 2 requirements of the CML Handbook (last updated on Habito). Being on the Habito conveyancing panel your lawyer is expect to follow these requirements.
I am looking to buy a house and need a conveyancing solicitor in London who is on the Habito approved. Can you recommend a local conveyancing firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Habito . We don’t recommend any particular firm.
I would like to get my ex-wife taken off the mortgage deeds. Can Habito really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but Habito 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 Habito solicitors panel
I previously instructed online conveyancers based in Bristol who are on the Habito solicitor panel. They are now charging me a separate fee of £135 for the legal aspects of the Habito mortgage. Is this an additional conveyancing fee set by Habito?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Habito but by your lawyers. Some firms on the Habito will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Habito. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Habito you will need to appoint a solicitor on the Habito conveyancing panel.
After shopping around on the internet I have found a solicitor having made sure that they are on the Habito conveyancing panel. Does my lawyer arrange the survey of the property? Or Having digested plenty of mortgage guides,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Habito conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Habito will need an independent valuation of the property. Your lawyer will not arrange this. Usually Habito will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Habito you could contact your them to see if they have a list of approved surveyors.

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