ITL Mortgages Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML 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 requirements, with notifications given on ITL Mortgages’s changes. Notwithstanding that utilising this technology is not a condition for acceptance on the ITL Mortgages panel, demonstrating you can remain up to date with ITL Mortgages’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your firm’s panel status.

The system generates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for many firms, leads to a PII saving.

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Mortgage companies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from ITL Mortgages 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, ITL Mortgages has made 256 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 10.7 days. In total, 51% of the sections of P2 of the UK Finance Lenders’ Handbook for ITL Mortgages have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
6.6.1 11/07/2019 CML
16.3.7b 21/06/2019 CML
14.2.1 11/04/2019 CML
16.4.1 11/04/2019 CML
16.5.3a 11/04/2019 CML
16.5.3c 11/04/2019 CML
17.1.1 10/04/2019 CML
6.7.1 23/01/2019 CML
3.1.3 16/01/2019 CML
6.7.1 23/03/2018 CML

Last update 14/11/2019

Common questions asked concerning the ITL Mortgages Conveyancing Panel from members of the public

Much to my surprise I have been told by my mortgage adviser that my property lawyer is not on the ITL Mortgages Conveyancing panel. What can I do to check?
You need to contact your conveyancer. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the the approved ITL Mortgages solicitor panel.
We are approaching an exchange and my mum and dad having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender ITL Mortgages. Apparently, being on the ITL Mortgages conveyancing panel and acting on their behalf he must inform ITL Mortgages if the balance of the mortgage advance is not just from me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with ITL Mortgages to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to ITL Mortgages if you agree, failing which, your lawyer must cease to continue acting.
I am buying a house and need a conveyancing solicitor in London who is on the ITL Mortgages approved. Can you recommend a local solicitor?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for ITL Mortgages . We don’t recommend any particular firm.
My solicitors in Newcastle have advised me that they can not locate my conveyancing file. At the time of my purchase I took out a mortgage with ITL Mortgages. Is it case that being on the ITL Mortgages conveyancing panel they need to have retained the file for a prescribed period?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the ITL Mortgages Conveyancing Panel Terms. It might be worth you contacting ITL Mortgages directly.
My fiance and I are at the point of looking at flats and am about to put in an offer. Should I already have a conveyancer appointed at this stage? I I am planning to take a home loan with ITL Mortgages
It would be sensible to have your start your search soon rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with ITL Mortgages , make sure you remember to check that your lawyer is on the ITL Mortgages conveyancing panel.
My offer was accepted on an apartment on the 20th March 2014, valuation was booked five days after, received a clean bill of health. Property lawyer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to ITL Mortgages and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the ITL Mortgages conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for ITL Mortgages to deal with your lawyers application to be on the ITL Mortgages conveyancing panel. There's no guarantee that your solicitors will be accepted.
My ex -wife’s name is on the ITL Mortgages mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the ITL Mortgages mortgage in order to sell?
In terms of the ITL Mortgages mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of ITL Mortgages in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.