Handelsbanken Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This system optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Handelsbanken’s changes. While using COMPLETIONmonitor is not a condition for acceptance on the Handelsbanken panel, demonstrating you can remain up to date with Handelsbanken’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, protect your firm’s panel status.

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

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Banks and building societies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from Handelsbanken are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, Handelsbanken has made 14 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 195.0 days. In total, 3% of the sections of P2 of the UK Finance Lenders’ Handbook for Handelsbanken have been changed since 15/12/2008.

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Frequently asked questions relating to the Handelsbanken Conveyancing Panel from members of the public

I have been advised by my broker that I have to pay Handelsbanken fees if I use my own solicitor. How good are the Handelsbanken conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH provided that they are good and reasonably priced. Would you recommend a specific law firm on the Handelsbanken panel?
Handelsbanken’s conveyancing panel is pretty large so your best bet is just to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Handelsbanken will allow to act for them.
Our lawyer has informed me that he requires ID documents asserting that this forms part of his legal duty as a conveyancer on the Handelsbanken Conveyancing panel. Can you confirm whether this is the case?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that Handelsbanken also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with Handelsbanken CML Handbook requirements last updated on Handelsbanken
Do all the firms listed on your search have online case tracking as I was under the impression that this was a precondition of being on the Handelsbanken conveyancing panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I am trying to get my former partner taken off the mortgage deeds. Can Handelsbanken really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but Handelsbanken 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 Handelsbanken solicitors panel
Why might a lender such as Handelsbanken withdraw a mortgage offer?
Lenders such as Handelsbanken can withdraw their mortgage offer although this is unusual. In the unlikely event that Handelsbanken withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are 5 examples:
  • Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Handelsbanken conveyancing panel solicitors would be obliged to notify Handelsbanken of a change in the price of the property.
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where the lender has to take account a recent change in law
  • Where the sale is not at arms length for value to unconnected persons
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
For 5 years I had a mortgage with Handelsbanken. My uncle retired last week and wants to pay off my mortgage. After Handelsbanken is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Handelsbanken conveyancing panel? I do not intend to live at the property once the Handelsbanken mortgage is discharged.
You will need a solicitor but they need not be on the Handelsbanken conveyancing panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. There's no capital gains tax for you as it is your main residence.
The for formalities of my purchase has taken place with a mortgage from Handelsbanken. Conveyancing was a necessary evil but I would like to complain about Handelsbanken. Who do I contact should I wish to lodge a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the Handelsbanken branches or the Customer Care Department at Handelsbanken head office. Ordinarily complaints to Handelsbanken are resolved very quickly. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service who will take matters further.