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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

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. It is a unique risk mitigation tool.

This software is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on ModaMortgages’s changes. Even though utilising the tool is not a condition for being on the ModaMortgages panel, demonstrating you can stay up to date with ModaMortgages’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by ModaMortgages

Mortgage companies frequently change 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 Solicitor Panel from members of the public

My partner and I are novices when it comes to buying a property. Within the 48 hours our conveyancer has forwarded the sale agreement to sign with a detailed report in anticipation of exchanging contracts shortly. ModaMortgages have this evening contacted us to advise us that there is now an issue as our solicitor is not on their approved list of lawyers. Is this a problem?
If you are buying a property with the assistance of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.

In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your property lawyers should contact ModaMortgages and see if they can apply for membership of the ModaMortgages conveyancing panel, but if that is not viable ModaMortgages will instruct their own lawyers to represent them. You don't have to instruct a firm on the ModaMortgages conveyancing panel as you are at liberty to use your preferred lawyers, in which case it will likely add costs, and it may delay matters as you have another set of people involved.

We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company ModaMortgages will not agree to this. Why was ModaMortgages even consulted?
Your lawyer being on the ModaMortgages conveyancing panel is duty bound to inform ModaMortgages of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to ModaMortgages then they would have to discontinue acting for you and ModaMortgages.
I note that you have a post code search directory identifying firms on the ModaMortgages conveyancing panel. Do firms pay you a commission if I appoint them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the ModaMortgages conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I was due to complete on my first house last Friday. My solicitor is on the ModaMortgages conveyancing panel but has changed address in the past couple of months and had not advised ModaMortgages of their new address. ModaMortgages has locked down the release of mortgage funds as the information from the solicitors isn't correct.
This is as unusual as it is unlucky. 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 ModaMortgages branch or your mortgage broker to see if they can assist.
I am buying a property where the roof has a solar panel. ModaMortgages 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 ModaMortgages your lawyer must to check the ModaMortgages conveyancing instructions contained in the Part of CML Handbook for ModaMortgages . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to ModaMortgages 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 today made my last payment due on mortgage with ModaMortgages. I assume I don't need a solicitor on the ModaMortgages panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your ModaMortgages 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 ModaMortgages mortgage from the register. ModaMortgages,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 ModaMortgages has sent the Land Registry the discharge electronically, and the ModaMortgages has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your ModaMortgages mortgage has been paid off.
I currently have a mortgage with with ModaMortgages. Conveyancing has been completed some time ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform ModaMortgages?
ModaMortgages must be informed of your intention prior to letting out your property as this is likely to be a breach of ModaMortgages’s mortgage conditions. It may be that ModaMortgages will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact ModaMortgages directly. You need not do this via a ModaMortgages conveyancing panel firm.

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