Kent Reliance Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk management tool.

This software is the only way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Kent Reliance’s changes. Notwithstanding that utilising this technology is not a prerequisite for Kent Reliance , demonstrating you can stay up to date with Kent Reliance’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, protect your firm’s panel status.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to reduced PII premiums.

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Mortgage companies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Kent Reliance 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, Kent Reliance has made 85 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 32.1 days. In total, 31% of the sections of P2 of the UK Finance Lenders’ Handbook for Kent Reliance have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
6.7.1 19/09/2019 CML
5.13.1 07/02/2019 CML Insolvency Act Indemnity Insurance Deed of Gift Indemnity Insurance
16.5.3a 22/03/2018 CML
6.6.4 22/03/2018 CML
8.1 05/01/2016 CML
5.20.3 05/01/2016 CML
5.7.1c 05/01/2016 CML Flying Freehold Indemnity Insurance
5.2.1 08/09/2015 CML
6.14.1b 01/12/2014 CML
3.1.5 01/12/2014 CML

Last update 17/09/2019

FAQs : The Kent Reliance Conveyancing Panel from members of the public

A solicitor my fiance and I had intended to instruct on a purchase said she will levy higher legal fees if my mortgage is with Kent Reliance because of their difficult processes! Am I likely to be frustrated using Kent Reliance? Any comments will be appreciated
Kent Reliance conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Kent Reliance conveyancing panel. If they are not, this does add further risk of delay as Kent Reliance will appoint their own solicitors to look after their interest.
I am purchasing a new build duplex and my lawyer is telling me that she has to reveal incentives from the seller as her firm is on the Kent Reliance conveyancing panel. The Estate Agents are hassling me to exchange and my preference is not to prolong the conveyancing. Can I insist on an exchange regardless of what my lawyer says about being on the Kent Reliance panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Kent Reliance approved panel is to comply with the CML Handbook requirements (last updated for this lender on Kent Reliance). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Do all the firms listed on your directory have online case tracking as I understood that this was a condition of being on the Kent Reliance conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
I am purchasing a terraced house and getting a mortgage with Kent Reliance. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Kent Reliance conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Kent Reliance conveyancing panel in your location.
When it comes to mortgage companies such as Kent Reliance do solicitors have to be pay a fee to be on the conveyancing panel?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to proceed? I plan to obtain a mortgage with Kent Reliance. Is it possible to avoid using solicitors to save us both money? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Kent Reliance involved you will need to appoint a solicitor on the Kent Reliance conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Kent Reliance. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Kent Reliance conveyancing panel.
In what circumstances might Kent Reliance amend or withdraw their mortgage offer?
Lenders such as Kent Reliance can revoke their mortgage offer although this is unusual. If Kent Reliance withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are many potential reasons but here are a number of examples:
  • Where information comes to Kent Reliance ‘s attention regarding the customers or the security that they were not aware of prior to offer that affects their original decision to lend
  • Kent Reliance may amend or withdraw an offer if the Kent Reliance conveyancing panel solicitor is unable to confirm compliance with any of the conditions of the mortgage offer or if any of the terms of the mortgage offer cannot be satisfied
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Where the lender has to take account a recent change in law
  • If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;