Mortgage Agency Services 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. It is a unique risk management tool.

This system assists the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Mortgage Agency Services’s changes. Even though utilising this technology is not a condition for being on the Mortgage Agency Services panel, demonstrating you can remain up to date with Mortgage Agency Services’s Handbook requirements is an excellent support to your panel application and, more importantly, protect your panel standing.

The system generates real-time alerts, automatically produces compliance and CQS reports, and will improve 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 Mortgage Agency Services

Banks and building societies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Mortgage Agency Services 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, Mortgage Agency Services has made 27 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 101.1 days. In total, 10% of the sections of P2 of the UK Finance Lenders’ Handbook for Mortgage Agency Services have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
6.7.1 15/11/2019 CML
New Build Conveyancing
Mortgage Agency Services approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
5.14.9 28/06/2019 CML
Leasehold Conveyancing
Contact details at Mortgage Agency Services for approved lawyers for matters relating to the lease.
3.1.4 01/12/2014 CML
details of the seller's solicitors or licensed conveyancers
6.14.1a 01/12/2014 CML
contact point if property is not insured in accordance with lender requirement
6.14.1c 01/12/2014 CML
buildings insurance total sum insured calculation
6.14.1d 01/12/2014 CML
maximum excess re building insurance
6.14.2 01/12/2014 CML
requirement that all insurance risks are included
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium
3.1.3 01/12/2014 CML
Conveyancing Solicitors Details for Sellers
Do Mortgage Agency Services require notification form their panel lawyer of the name and address of the solicitors firm or licensed conveyancers firm acting for the seller?
17.2.1b 12/07/2013 CML
Evidence of Discharge of Mortgage
Do Mortgage Agency Services send the discharge via a DS 1 form or direct with the Land Registry?

Last update 01/04/2020

Frequently asked questions relating to the Mortgage Agency Services Solicitor Panel from members of the public

I am expecting a mortgage with Mortgage Agency Services. I intend to instruct a Licensed Conveyancer. Does the Mortgage Agency Services Solicitor panel exclude conveyancers regulated by the CLC
Mortgage Agency Services’s approved solicitor list is, like many other lenders associated to the CML or BSA, open to Licensed Conveyancers regulated by the CLC.
My partner and I changing mortgage lender for our penthouse with Mortgage Agency Services. We have a son approaching twenty who lives with us. The solicitor on the Mortgage Agency Services conveyancing panel requested us to identify any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the property is repossessed. I have a couple of concerns (1) Is this document specific to the Mortgage Agency Services conveyancing panel as he did not need to sign this form when we purchased 5 years ago (2) Does our son by signing this giving up his rights to inherit the property?
First, rest assured that your Mortgage Agency Services conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Mortgage Agency Services .This is solely used to protect the Mortgage Agency Services if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Mortgage Agency Services had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

I require the services of a Mortgage Agency Services panel solicitor in Belfast. Could you help me?
It is not clear why you need a Mortgage Agency Services panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Mortgage Agency Services to find out which solicitors in Mortgage Agency Services are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
My house is up for sale and I have a buyer. Does my solicitor have to be on the Mortgage Agency Services conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Mortgage Agency Services 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.
My fiance and I are spending time looking at houses and now considering a potential offer. Is it premature to have a solicitor in place? I I am planning to take a mortgage with Mortgage Agency Services
It would be sensible to have your start your search soon rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Mortgage Agency Services , ask your prospective lawyers check they are on the Mortgage Agency Services conveyancing panel otherwise they can't do the mortgage legal work.
I had an offer accepted on a property on the 6th January 2014, valuation was booked five days later, all came back fine. Conveyancer instructed, so all that was missing was my mortgage offer. Having made daily calls to Mortgage Agency Services and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Mortgage Agency Services conveyancing panel. Are Mortgage Agency Services entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Mortgage Agency Services to deal with your lawyers application to be on the Mortgage Agency Services conveyancing panel. There's no guarantee that your solicitors will be accepted.
My brother and I are acquiring a house in Hendon. Conveyancing solicitors in Hendon are preferred to beappointed. My agentsuggested that we check that the conveyancing practitioner in Hendon is on the Mortgage Agency Services approved list of lawyers. Surely I don't need to do this, do I?
It is not that case that all Hendon conveyancing firms are on the Mortgage Agency Services conveyancing panel. Use the above search tool to find a Hendon conveyancing practitioner on the on the Mortgage Agency Services panel.