Hampden Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers. It is a unique risk mitigation tool.

This system optimises the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on Hampden’s changes. Notwithstanding that using this technology is not a condition for acceptance on the Hampden panel, demonstrating you can remain up to date with Hampden’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your firm’s panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces SRA and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, results in a PII saving.

Book a Hampden Demo for this Panel Compliance Tool

Banks and building societies often change their requirements. The UK Finance Lenders’ Handbook requirements from Hampden 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, Hampden has made 9 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 303.3 days. In total, 1% of the sections of P2 of the UK Finance Lenders’ Handbook for Hampden have been changed since 15/12/2008.

To find out more about lender panel compliance,

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FAQs for the Hampden Solicitor Panel from members of the public

What is the rationale as to why all UK lawyers aren't included on the Hampden Solicitor panel?
Hampden and other mortgage companies normally imposes restrictions either the type or the number of conveyancing firms on their approved list of lawyers. A common example of such restriction(s) being that a firm must have two or more partners. In addition to restricting the type of firm, some have decided to limit the number of firms they use to represent them. You should note that Hampden have no responsibility for the quality of advice provided by any member of Hampden Conveyancer Panel. Mortgage fraud was a key driver in the rationalisation of conveyancing panels a few years ago and whilst there are differing views about the extent of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that thousands of law firms only carry out one or two conveyances a year. Those supporting conveyancing panel cuts ask why law firms should have the right to be on a Lender panel when clearly, Conveyancing is not their speciality? To put it another way; would you want a conveyancing solicitor to represent you if you were charged with a crime; probably not.
Our conveyancer has discovered a defect with the lease for the flat we are purchasing. The other side have offered title insurance as a solution. We are content with insurance and will cover the costs. Our solicitor has advised that as he is on the Hampden conveyancing panel he must check that the lender is happy with this solution. Are we the client or is Hampden?
Just because you have a mortgage offer from Hampden does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Hampden are the client. These conveyancing instructions must be adhered to by the Hampden conveyancing panel who has to balance acting for you and Hampden
Do I need to visit the offices of the Hampden conveyancing panel solicitor to execute the mortgage deed? If so, I will choose one who does conveyancing in London so that I can attend their offices when needed.
Most conveyancing panel lawyers for Hampden 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 last year and as sole heir and executor was left the property. The house had a small mortgage left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Hampden , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Hampden will insist on your using a conveyancer on the Hampden 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 Hampden 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 Hampden mortgage is registered as a charge at the Land Registry.
Are all Conveyancing Quality Solicitors on the Hampden conveyancing panel?
Some major lenders now use CQS as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
I had instructed online solicitors based in Manchester who are on the Hampden solicitor panel. They are now charging me a separate fee of £135 for dealing with the Hampden mortgage. Is this a supplemental conveyancing fee specified by Hampden?
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 Hampden but by your lawyers. Some firms on the Hampden will charge an ‘acting for lender’ fee and others do not.
We expect to receive a DIP from Hampden this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Hampden recommend a solicitor on the Hampden 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 Hampden conveyancing panel. The solicitor represents both you and the Hampden through the process.