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 such as AmTrust. COMPLETIONmonitor is a unique risk mitigation tool.

This system assists the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Kent Reliance’s changes. Notwithstanding that using the software is not a prerequisite for Kent Reliance , demonstrating you can stay up to date with Kent Reliance’s Handbook requirements is a helpful support to your panel application and, more importantly, protect your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. It is also user friendly, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Kent Reliance

Mortgage companies 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, frequently:

A Timeline of Policy Changes


Since 2008, Kent Reliance has made 87 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 31.4 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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Kent Reliance Conveyancing Panel Example Support Desk Enquires from members of the public

My partner and I are novices when it comes to buying a property. Within the 48 hours our solicitor has sent a preliminary report and documents to look through with the expectation that exchange is imminent. Kent Reliance have this morning contacted us to inform me that there is now an issue as our solicitor is not on their approved list of lawyers. Is this a problem?
When purchasing a property with the benefit of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.

In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme. Your property lawyers should contact Kent Reliance and see if they can apply for membership of the Kent Reliance conveyancing panel, but if that is not viable Kent Reliance will instruct their own lawyers to represent them. You don't have to instruct a firm on the Kent Reliance conveyancing panel and you may continue to use your own solicitors, in which case it will likely add costs, and it will likely delay the transaction as you are adding another lawyer into the mix.

We are getting closer to an exchange and my parents having transferred 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 Kent Reliance. I am advised that, being on the Kent Reliance conveyancing panel and acting on their behalf he must inform Kent Reliance if the balance of the mortgage advance is not just from me. I advised 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 Kent Reliance 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 Kent Reliance if you agree, failing which, your lawyer must cease to continue acting.
How up to date is your search tool for the Kent Reliance conveyancing panel? Do Kent Reliance send you an updated list?
The firms themselves provide us confirmation that they are on the Kent Reliance conveyancing panel as opposed to being supplied with a list from Kent Reliance directly.
We're in Birmingham, First timers buying with a mortgage (lender is Kent Reliance , but our lawyer is on the Kent Reliance conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Kent Reliance conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Why might a lender such as Kent Reliance withdraw a mortgage offer?
Lenders such as Kent Reliance can revoke their mortgage offer although this is unusual. In the unlikely event that Kent Reliance withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are a few examples:
  • Many mortgage offers have an expiry date. Your lawyer should check this. Kent Reliance may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
  • If the financial circumstances of the borrower have changed to the detriment and the Kent Reliance has been notified
  • 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
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
  • 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;
I am currently in the process of buying my council flat. I have a mortgage agreed with Kent Reliance. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Kent Reliance you will need to appoint a solicitor on the Kent Reliance conveyancing panel.
Intending to buy a house with a mortgage with Kent Reliance. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Kent Reliance 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 Kent Reliance conveyancing panel