Hampden Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the CML and professional indemnity insures. COMPLETIONmonitor is a unique risk mitigation tool.

This system assists the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Hampden’s changes. Notwithstanding that using COMPLETIONmonitor is not a prerequisite for Hampden , demonstrating you can remain up to date with Hampden’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Hampden

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 11 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 248.2 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 : The Hampden Conveyancing Panel from members of the public

For what reasons would a firm of solicitors be excluded from the Hampden solicitor panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of solicitor practices had been removed from a lender panel. The top reasons in order are :
  1. lack of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by Hampden
Our conveyancer has uncovered a problem with the lease for the property we are buying. The other side have put forward title insurance as a workaround. We are happy with insurance and will cover the costs. Our lawyer says that as he is on the Hampden conveyancing panel he must ensure that the lender is happy with this solution. Who is the client here, us or 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. The appropriate lender requirements must be adhered to by the Hampden conveyancing panel who has to balance acting for you and Hampden
Are there any apps to help search for a local solicitor on the Hampden conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the conveyancer.
Feel free to make use of the find a conveyancing panel search on this page. 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 Hampden solicitor panel.
Please explain the implications if my solicitor is expelled from the Hampden Conveyancing panel before the moving date as agreed at exchange of contracts?
First, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
Intending to buy a house with a mortgage with Hampden. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Hampden conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Hampden conveyancing panel
Hampden have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Hampden or your broker and complete any relevant paperwork. Hampden will tell you what documents they want. Hampden will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Hampden will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What do I do now? When should I get the mortgage app going with Hampden?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Hampden conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Hampden and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.