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M&S Bank Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the M&S Bank Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the M&S Bank Conveyancing Panel?
Check your firm’s panel Status

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

This software assists the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on M&S Bank’s changes. While utilising COMPLETIONmonitor is not a prerequisite for M&S Bank , demonstrating you can remain up to date with M&S Bank’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your panel status.

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

Find a Law Firm approved by M&S Bank

Mortgage companies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from M&S Bank 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, M&S Bank has made 129 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 21.2 days. In total, 36% of the sections of P2 of the UK Finance Lenders’ Handbook for M&S Bank have been changed since 15/12/2008.

To find out more about lender panel compliance,
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M&S Bank Solicitor Panel Example Support Desk Enquires from members of the public

For what reasons would a law firm be removed from the M&S Bank solicitor panel?
According to a recent survey report by the solicitors regulator three quarters of solicitor practices had been removed 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 M&S Bank
I do hope you can help me. My lawyer is advising me that she is duty-bound to conduct a Local Authority search because the firm are on the M&S Bank conveyancing panel. Is this really necessary?
You have limited options available to you. As you are taking a mortgage with M&S Bank 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 M&S Bank’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated M&S Bank. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Do all the licensed conveyancers and solicitor practices listed on your search have online case tracking as I understood that this was a condition of being on the M&S Bank conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
We're in Liverpool, FTBs purchasing with a mortgage (lender is M&S Bank , but our solicitor is on the M&S Bank conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the M&S Bank 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
My wife and I have arranged a further advance on our mortgage from M&S Bank as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the M&S Bank conveyancing panel to deal with the legals?
M&S Bank would not normally appoint a member of their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the M&S Bank list
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. M&S Bank have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is M&S Bank your lawyer must to check the M&S Bank conveyancing instructions contained in the Part of CML Handbook for M&S Bank . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to M&S Bank where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
We were going to get a DIP from M&S Bank this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the M&S Bank recommend a solicitor on the M&S Bank conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the M&S Bank conveyancing panel. The solicitor represents both you and the M&S Bank through the process.

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