Kent Reliance Conveyancing Lender Panel Compliance Tool

Lexsure’s 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. It is a unique risk mitigation tool.

This software optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Kent Reliance’s changes. Notwithstanding that using the tool is not a condition for being 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, just as importantly, protect your firm’s panel status.

The system creates real-time alerts, automatically produces compliance and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for some firms, results in a PII saving.

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Mortgage companies often 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 90 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 30.3 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 : Questions and Answers from members of the public

The lawyer I wanted to use for conveyancing on a purchase said he will levy higher legal fees if my mortgage is with Kent Reliance due to their unusual legal requirements. 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 due to complete my purchase next Friday. 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 risks do Kent Reliance expect the insurance 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 requirements.
I am purchasing a flat and require a conveyancing solicitor in Manchester who is on the Kent Reliance conveyancing. Can you recommend a local solicitor?
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 was expecting to complete on my flat last Thursday. My solicitor is on the Kent Reliance solicitors panel but has moved offices 8 weeks ago and had not advised Kent Reliance of their new address. Kent Reliance is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Kent Reliance branch or your mortgage broker to see if they can assist.
I have today made my last payment due on mortgage with Kent Reliance. I assume I don't need a solicitor on the Kent Reliance panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Kent Reliance mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Kent Reliance mortgage from the register. Kent Reliance,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Kent Reliance has sent the Land Registry the discharge electronically, and the Kent Reliance has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Kent Reliance mortgage has been paid off.
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 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.
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.