Kent Reliance Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Kent Reliance’s changes. Notwithstanding that utilising the tool 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, just as importantly, protect your firm’s panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for many firms, leads to a PII saving.

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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, over time:

A Timeline of Policy Changes


Since 2008, Kent Reliance has made 86 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 31.7 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 28/02/2019 CML
14.2.1 08/11/2018 CML
16.5.3a 22/03/2018 CML
16.5.3c 22/03/2018 CML
17.2.1a 22/03/2018 CML
5.15.2c 22/03/2018 CML
5.17.5a 22/03/2018 CML
5.8.1 22/03/2018 CML
6.7.6 22/03/2018 CML
6.14.1 08/09/2015 CML

Last update 16/11/2019

Q and A’s regarding the Kent Reliance Conveyancing Panel from members of the public

A conveyancer my fiance and I wanted to use for conveyancing on a purchase said she will levy higher legal fees if my mortgage is with Kent Reliance due to their difficult processes! Will I regret using Kent Reliance? Is Kent Reliance conveyancing so much more difficult?
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.
My partner and I changing mortgage lender for our flat with Kent Reliance. We have a son 19 who lives with us. The solicitor on the Kent Reliance conveyancing panel requested us to identify any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the property is repossessed. I have a couple of concerns (1) Is this document specific to the Kent Reliance conveyancing panel as he did not need to sign this form when we remortgaged 5 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Kent Reliance .This is solely used to protect the Kent Reliance if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Kent Reliance had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

I have been searching for conveyancing quotes online. Can I be sure that all the practices that are listed on your site are on the Kent Reliance conveyancing panel?
The law firms on our directory have assured us via an online form that they are on the Kent Reliance panel and agreed to advise us to take down their listing in the event of removal off of the Kent Reliance panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Kent Reliance conveyancing panel is incorrect.
I am trying to get my former partner removed the mortgage deeds. Can Kent Reliance really insist on which solicitor I can or can not use?
You can use any solicitor you like but Kent Reliance 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 Kent Reliance solicitors panel
Do conveyancing solicitors on the Kent Reliance conveyancing panel work on a no sale no fee basis?
In the main there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
I am buying a property where the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Kent Reliance be concerned
Given that you are obtaining a mortgage with 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 have a mortgage with Kent Reliance. My grandfather retired last week and wants to pay off the mortgage left on the property. After Kent Reliance is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Kent Reliance conveyancing panel? I do not intend to live at the property once the Kent Reliance mortgage is discharged.
You will need a solicitor but they need not be on the Kent Reliance conveyancing panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. As the property is your main residence you need not pay CGT but you should speak with your accountants in any event.