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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

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. COMPLETIONmonitor is a unique risk management tool.

This system is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Habito’s changes. While utilising this technology is not a prerequisite for Habito , demonstrating you can stay up to date with Habito’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for some firms, leads to reduced PII premiums.

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Mortgage companies often 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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Frequently asked questions relating to the Habito Conveyancing Panel from members of the public

It has come to my attention via my financial adviser that my lawyer is not on the Habito Solicitor panel. How can I be sure that this is correct?
The first thing you need to do is to contact your lawyer directly. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they may recommend you to a firm that is on the conveyancing panel for Habito.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Habito will not agree to this. Why was Habito even consulted?
Your lawyer being on the Habito conveyancing panel is duty bound to inform Habito of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Habito then they would have to discontinue acting for you and Habito.
Do I need to pop into the offices of the Habito conveyancing panel solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Newcastle so that I can pop in to their offices when needed.
Most conveyancing panel lawyers for Habito undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
My aunt passed away six months ago and as sole heir and executor was left the house. The house had a small mortgage left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Habito , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Habito will insist on your using a conveyancer on the Habito conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Habito conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Habito mortgage is registered as a charge at the Land Registry.
I previously instructed online solicitors located in London who are on the Habito solicitor panel. They are now charging me a separate fee of £195 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.
We were going to get a DIP from Habito this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the Habito recommend a solicitor on the Habito conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the Habito conveyancing panel. The solicitor represents both you and the Habito through the process.
I have a mortgage with Habito. Conveyancing was finalised 12 months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Habito?
You must advise Habito in advance of letting out your property as this is likely to be a breach of Habito’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Habito directly. You need not do this via a Habito conveyancing panel firm.

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