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Kensington Mortgage Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the Kensington Mortgage Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Kensington Mortgage Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. It is a unique risk management tool.

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

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

Find a Law Firm approved by Kensington Mortgage

Lenders frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Kensington Mortgage 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, Kensington Mortgage has made 1173 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.3 days. In total, 99% of the sections of P2 of the UK Finance Lenders’ Handbook for Kensington Mortgage have been changed since 15/12/2008.

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Kensington Mortgage Conveyancing Panel : Questions and Answers from members of the public

I am selling my apartment and the estate agent has just texted me to advise that the purchasers are swapping property lawyer. I am told that this is due to the fact that Kensington Mortgage will only work with solicitors on their approved list. Why would a major mortgage company only work with certain lawyers?
Mortgage companies have always had an approved set of law firms they are willing to work with, but in the past few years big names such as HSBC, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for decades.

Banks point to the increase in fraud by way of justification for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

We are only a couple days away from 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 disclose this to my lender Kensington Mortgage. I am advised that, being on the Kensington Mortgage conveyancing panel and acting on their behalf he must inform Kensington Mortgage 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 him to raise this?
Your lawyer is obliged to check with Kensington Mortgage 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 Kensington Mortgage if you agree, failing which, your lawyer must cease to continue acting.
I require the services of a Kensington Mortgage panel solicitor in Stirling. Can you assist?
Unfortunately it’s not apparent why you need a Kensington Mortgage panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Kensington Mortgage to find out which solicitors in Kensington Mortgage are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
My house is up for sale and I have a buyer. Does my solicitor have to be on the Kensington Mortgage conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Kensington Mortgage conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Two weeks ago we had a mortgage agreed in principle with Kensington Mortgage. Solicitors have been appointed? What is the average time that one could expect to receive a mortgage offer from Kensington Mortgage?
There is no definitive answer here. Have Kensington Mortgage completed the valuation? Have you advised Kensington Mortgage as your lawyers details and checked that your lawyer is on the Kensington Mortgage conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Kensington Mortgage be concerned
Given that you are obtaining a mortgage with Kensington Mortgage your lawyer must to check the Kensington Mortgage conveyancing instructions contained in the Part of CML Handbook for Kensington Mortgage . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Kensington Mortgage where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
The for formalities of my remortgage has taken place with a loan from Kensington Mortgage. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about Kensington Mortgage. How do I make a complaint?
Most lenders have complaints procedures. Your first port of call should be one of the Kensington Mortgage branches or the Customer Services Department at Kensington Mortgage head office. Ordinarily complaints to Kensington Mortgage are sorted out effectively and efficiently. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

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