Kent Reliance Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk mitigation tool.

This software optimises the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Kent Reliance’s changes. Even though using the software is not a condition for acceptance on the Kent Reliance panel, demonstrating you can remain up to date with Kent Reliance’s Handbook requirements is an excellent support to your panel application and, more importantly, protect your firm’s panel status.

COMPLETIONmonitor 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, results in a PII saving.

Find a Law Firm approved by Kent Reliance

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 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.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
6.7.1 28/02/2019 CML
New Build Conveyancing
Kent Reliance (a trading name of OneSavings Bank plc) approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 08/11/2018 CML
New Build Conveyancing
Kent Reliance (a trading name of OneSavings Bank plc) panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
16.5.3c 22/03/2018 CML
Deed of Easement
Contact details at Kent Reliance (a trading name of OneSavings Bank plc) for approved lawyers to send the deed of easement .
17.2.1a 22/03/2018 CML
Redemption Payments
Where do solicitors and conveyancers send the discharge and repayment remittance in relation to Kent Reliance (a trading name of OneSavings Bank plc) mortgages ?
16.3.7b 05/01/2016 CML
Transfer of Equity
Kent Reliance (a trading name of OneSavings Bank plc) guidance to conveyancing panel lawyers for form of attestation clause for Transfer of Equity
5.4.6 05/01/2016 CML
Conveyancing Searches: Search Insurance
Kent Reliance (a trading name of OneSavings Bank plc) panel lawyers clarification as to whether they accept search insurance and, if yes, the Kent Reliance (a trading name of OneSavings Bank plc) requirements
Local Search Indemnity Insurance
5.7.1c 05/01/2016 CML
Flying Freeholds
Contact details at Kent Reliance (a trading name of OneSavings Bank plc) for conveyancing panel lawyers where for reporting purposes where the property is a freehold flat or flying freehold, to which contact point must this be reported and where Kent Reliance (a trading name of OneSavings Bank plc) lend on such properties
Flying Freehold Indemnity Insurance
5.1.1 08/09/2015 CML
Properties owned for less than 6 months
Contact details at Kent Reliance (a trading name of OneSavings Bank plc) for conveyancing panel lawyers where there is a restriction on use.
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.1 01/12/2014 CML
Building Insurance
Kent Reliance (a trading name of OneSavings Bank plc) approved lawyers additional requirements concerning building insurance

Last update 20/05/2019

Kent Reliance Solicitor Panel Sample Enquires to our Call Center from members of the public

My partner and I are novices when it comes to buying a property. Within the 48 hours our lawyer has forwarded the sale agreement to sign with a detailed report with a view to exchanging next week. Kent Reliance have this morning contacted us to advise us that they have now hit a problem as our solicitor is not on their approved list of lawyers. Please explain?
If you are buying a property with the assistance 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 Accreditation 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 are not legally obliged to appoint a law firm on the Kent Reliance conveyancing panel as you are at liberty to use your preferred lawyers, in which case it will likely add costs, and it will likely delay the transaction as you are adding another lawyer into the mix.

Expecting to move into my new home next Tuesday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for Kent Reliance. What does the insurance need to cover?
Any lawyer on the Kent Reliance conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Kent Reliance’s Part 2 requirements of the CML Handbook (last updated on Kent Reliance). Being on the Kent Reliance conveyancing panel your lawyer is expect to follow these instructions.
I am planning to acquire a house and require a conveyancing solicitor in Manchester who is on the Kent Reliance conveyancing. Can you recommend a local conveyancing firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Kent Reliance . We don’t recommend any particular firm.
I am buying a right to buy flat and getting a mortgage with Kent Reliance. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
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.
We have a mortgage agreed in principle with Kent Reliance. Solicitors have been chosen? How long does it take for Kent Reliance to send the offer to our conveyancer
Some lenders take longer than others. Have Kent Reliance done the valuation? Have you advised Kent Reliance as your lawyers details and checked that your lawyer is on the Kent Reliance 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. Kent Reliance have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Kent Reliance your lawyer must to check the Kent Reliance conveyancing instructions contained in the Part of CML Handbook for Kent Reliance . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Kent Reliance 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.
I am currently in the process of buying my council flat. I have a mortgage offer 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 use 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.