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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 web-based pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This system assists the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Kensington Mortgage’s changes. Even though 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 panel application and, just as importantly, protect 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 user friendly, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Kensington Mortgage

Lenders often vary 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 1041 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.6 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 Sample Enquires to our Call Center from members of the public

Can you please explain the reason why all UK lawyers are not on the Kensington Mortgage Solicitor panel?
Before the recession most lenders had an appetite for risk which was higher than today. The Financial Services Authority in 2010 conducted a thematic review into mortgage fraud which concluded: know the conveyancing solicitors that you are dealing with. Consequently, lenders have regularly sought more information from law firms about their operations and the individuals who work for them and set certain criteria such a completing on a minimum number of transactions. Many firms that have been excluded from lender panels have 100% healthy track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Such firms were never going to meet the criteria of volume of transactions the lenders required.
Please help. My conveyancer is advising me that he is legally obliged to order a Local Authority search because the firm are on the Kensington Mortgage conveyancing panel. Is this really necessary?
You have limited options available to you. As you are taking a mortgage with Kensington Mortgage your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Kensington Mortgage’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Kensington Mortgage. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Are the lawyers identified as being on the Kensington Mortgage conveyancing panel, together with their details provided by Kensington Mortgage?
The firms themselves provide us confirmation that they are on the Kensington Mortgage conveyancing panel as opposed to being supplied with a list from Kensington Mortgage directly.
I am attempting to get my ex-wife removed the mortgage deeds. Can Kensington Mortgage really tell me which solicitor I can or can not instruct?
You can use any solicitor you like but Kensington Mortgage 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 Kensington Mortgage solicitors panel
Is there a list of Kensington Mortgage panel conveyancers on the Council of Mortgage Lender’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
I have paid off my mortgage with Kensington Mortgage. I assume I don't need a solicitor on the Kensington Mortgage panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Kensington Mortgage mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kensington Mortgage mortgage from the register. Kensington Mortgage,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Kensington Mortgage has sent the Land Registry the discharge electronically, and the Kensington Mortgage has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Kensington Mortgage mortgage has been paid off.
Intending to buy a house with a mortgage with Kensington Mortgage. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Kensington Mortgage 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 Kensington Mortgage conveyancing panel

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