Kent Reliance Conveyancing Lender Panel Compliance Tool

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

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Kent Reliance’s changes. Even though using the software is not a prerequisite for Kent Reliance , demonstrating you can remain up to date with Kent Reliance’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, protect your firm’s panel status.

The software creates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by Kent Reliance

Lenders frequently vary 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 84 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 32.5 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 03/04/2019 CML
14.2.2 22/03/2018 CML
17.2.1a 22/03/2018 CML
5.17.5b 22/03/2018 CML
16.3.7b 05/01/2016 CML
6.6.4 05/01/2016 CML
6.14.1 08/09/2015 CML
5.5.1b 01/12/2014 CML
6.14.4 01/12/2014 CML
6.14.1 01/12/2014 CML

Last update 19/07/2019

Kent Reliance Conveyancing Panel Example Support Desk Enquires from members of the public

For what reasons could a firm of solicitors be excluded from the Kent Reliance approved conveyancing panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of solicitor practices had been excluded from a lender panel. The most common reasons in order are :
  1. Low volume of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by Kent Reliance
I do hope you can help me. My lawyer is assuring me that he has to apply for a Local Authority search as the firm are on the Kent Reliance conveyancing panel. Do I not have a choice here?
You have limited options available to you. Given that you are taking out a loan with Kent Reliance 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 Kent Reliance’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Kent Reliance. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Kent Reliance conveyancing panel. My lawyer has said that they are on the Kent Reliance approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Kent Reliance conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Kent Reliance solicitor panel.
The lawyers that I appointed last week on my house acquisition in Brighton has suddenly closed. I only went with them because I needed a lawyer on the Kent Reliance conveyancing panel and my preferred lawyer was not. I paid them £200 on account. What are my options?
Assuming that you have an Estate Agent in the equation then inform them immediately so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Kent Reliance conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors should be in a position to help
I was thinking of purchasing my friend’s property. Once we agree a price, what’s the best way to move forward? I hope to get a mortgage with Kent Reliance. Is it possible to avoid using solicitors to save on the costs? 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.
I am about to exchange contracts on a purchase with a mortgage from Kent Reliance. The report from my solicitor mentions that Kent Reliance could withdraw their offer before completion. Is this right?
Banks and Building Societies such as Kent Reliance can revoke their mortgage offer although this is unusual. should Kent Reliance withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are various possible reasons but here are a number of examples:
  • If the financial circumstances of the borrower have changed to the detriment and the Kent Reliance has been notified
  • 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 to proceed with the Mortgage offer would be unlawful
  • Following advice from the valuer on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
  • 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;
My ex -wife’s name is on the Kent Reliance 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 Kent Reliance mortgage in order to sell?
In terms of the Kent Reliance 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 Kent Reliance 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.