Halifax Conveyancing Lender Panel Compliance Tool

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

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on Halifax’s changes. Notwithstanding that using the software is not a prerequisite for Halifax , demonstrating you can remain up to date with Halifax’s Handbook requirements is a helpful support to your panel application and, just as importantly, protect your panel standing.

The system generates 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, results in reduced PII premiums.

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Lenders frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from Halifax 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, Halifax has made 354 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 7.7 days. In total, 39% of the sections of P2 of the UK Finance Lenders’ Handbook for Halifax 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 Halifax Solicitor Panel from members of the public

My fiance and I are first time buyers. Within the last couple of days our conveyancer has sent a preliminary report and documents to look through in anticipation of exchanging contracts shortly. Halifax have this evening contacted us to advise us that there is now an issue as our solicitor is not on their approved list of lawyers. Is this a problem?
If you are buying a property with the assistance of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.

In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your solicitors should contact Halifax and see if they can apply for membership of the Halifax conveyancing panel, but if that is not viable Halifax will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on the Halifax conveyancing panel as you are at liberty to use your preferred lawyers, in which case it will likely add costs, and it will likely delay the transaction as you have another set of people involved.

Our nephew is in the process of securing a house that has just been built with a home loan from Halifax. His solicitor has advised him of a delay in completing the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties engaged in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Halifax conveyancing panel as a standard part of the process, and to the valuer when requested.

The Developer will be required to start the process by downloading the form and completing it.

The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Halifax conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

I note that you have a post code search directory identifying law firms on the Halifax conveyancing panel. Do firms pay you a commission if I retain them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Halifax conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am buying a semi-detached house and getting a mortgage with Halifax. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Halifax 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 Halifax conveyancing panel in your location.
Are all solicitor firms on the Halifax conveyancing panel overseen by the SRA?
As a firm of solicitors, in order to be on the Halifax conveyancing panel they would need to be regulated by the SRA. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
I previously instructed online solicitors based in Bristol who are on the Halifax solicitor panel. They have just invoiced me a separate fee of £175 for the legal aspects of the Halifax mortgage. Is this an additional conveyancing fee specified by Halifax?
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 Halifax but by your lawyers. Some firms on the Halifax will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
My wife and I have arranged a further advance on our mortgage from Halifax as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Halifax conveyancing panel to deal with the legals?
Halifax would not normally instruct a member of their approved list of lawyers to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Halifax list