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ModaMortgages 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 ModaMortgages Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the ModaMortgages 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. It is a unique risk mitigation tool.

This system facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on ModaMortgages’s changes. Notwithstanding that utilising the software is not a condition for being on the ModaMortgages panel, demonstrating you can remain up to date with ModaMortgages’s Handbook requirements is an excellent support to your panel application and, more importantly, protect your firm’s panel status.

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

Find a Law Firm approved by ModaMortgages

Banks and building societies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from ModaMortgages 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, ModaMortgages has made 3 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 910.0 days. In total, 1% of the sections of P2 of the UK Finance Lenders’ Handbook for ModaMortgages have been changed since 15/12/2008.

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Examples of recent questions relating to the ModaMortgages Conveyancing Panel from members of the public

My Solicitor has never been on on the ModaMortgages Solicitor Panel. Is it possible for me to use my preferred solicitor notwithstanding that they are excluded from the ModaMortgages panel?
The most common options here are as follows:
  1. Carry on with your preferred lawyers but ModaMortgages will need to instruct a lawyer on the ModaMortgages conveyancing panel. This will result in additional cost and potential delay.
  2. Get a new solicitor to act in the purchase, obviously checking they are on the ModaMortgages conveyancing panel.
  3. Urge your lawyer to apply to join the ModaMortgages lender panel
We are getting closer to an exchange and my mum and dad having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender ModaMortgages. Apparently, being on the ModaMortgages conveyancing panel and acting on their behalf he must inform ModaMortgages if the balance of the mortgage advance is not just from me. I informed the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with ModaMortgages 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 ModaMortgages if you agree, failing which, your lawyer must cease to continue acting.
Your search tool is useful but there are many lawyers listed near Hackney on the ModaMortgages conveyancing panel. Can you recommend a specific firm on the conveyancing panel for ModaMortgages ?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I am selling my house. Does my solicitor have to be on the ModaMortgages conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the ModaMortgages conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Are all Conveyancing Quality Solicitors on the ModaMortgages conveyancing panel?
Some major banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of conveyancing solicitors.
How can we tell if a solicitor on the ModaMortgages panel is any good?
obtaining recommendations is a good starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the solicitor handling your conveyancing
My offer on house has been accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What should be my next step? At what point should I appy for the mortgage with ModaMortgages?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the ModaMortgages conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with ModaMortgages and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.

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