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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 management tool.

This software is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with alerts on ModaMortgages’s changes. Even though using the tool is not a condition for acceptance on the ModaMortgages panel, demonstrating you can stay up to date with ModaMortgages’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, protect your panel standing.

The system creates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by ModaMortgages

Banks and building societies often 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, over time:

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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Common questions asked concerning the ModaMortgages Conveyancing Panel from members of the public

Am I correct in assuming that the fact that my solicitor is not on the ModaMortgages Solicitor panel that there is a problem with the quality of the firm’s work?
It would not be wise to jump to that conclusion. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal are: (1) lack 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. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for ModaMortgages.
Please assist. For no fault of my lawyer but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from ModaMortgages was issued random date and we have agreed a date for me to move into the property on 6. My lawyer says that as she is on the ModaMortgages conveyancing panel she needs to redo the searches as they are now out of date.
One of the many conditions to being on the ModaMortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on ModaMortgages)which states that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to ModaMortgages.
Do all the firms listed on your search have online case tracking as I was under the impression that this was a precondition of being on the ModaMortgages solicitor panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I am attempting to get my former partner taken off the mortgage deeds. Can ModaMortgages really tell me which solicitor I can or can not use?
You can use any solicitor you like but ModaMortgages 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 ModaMortgages solicitors panel
I previously instructed online conveyancers located in Cardiff who are on the ModaMortgages solicitor panel. They are now charging me a separate fee of £175 for dealing with the ModaMortgages mortgage. Is this an additional conveyancing fee set by ModaMortgages?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by ModaMortgages but by your lawyers. Some firms on the ModaMortgages will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
I am currently in the process of buying my council flat. I have a mortgage agreed with ModaMortgages. 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 ModaMortgages you will need to appoint a solicitor on the ModaMortgages conveyancing panel.
The for formalities of my remortgage has taken place with a loan from ModaMortgages. Conveyancing was a necessary evil but I would like to complain about ModaMortgages. How do I make a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the ModaMortgages branches or the Customer Services Department at ModaMortgages head office. Ordinarily complaints to ModaMortgages are resolved effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service with full details of your complaint.

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