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Mortgage Agency Services 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 Mortgage Agency Services Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Mortgage Agency Services Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers. It is a unique risk management tool.

This system optimises the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on Mortgage Agency Services’s changes. Even though utilising this technology is not a condition for acceptance on the Mortgage Agency Services panel, demonstrating you can stay up to date with Mortgage Agency Services’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your firm’s panel standing.

The system creates 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 some firms, leads to a PII saving.

Find a Law Firm approved by Mortgage Agency Services

Lenders 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 30 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 91.0 days. In total, 11% of the sections of P2 of the UK Finance Lenders’ Handbook for Mortgage Agency Services have been changed since 15/12/2008.

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Mortgage Agency Services Conveyancing Panel Recently Asked Questions from members of the public

My financial adviser has asked me for my law firm’s panel reference for the Mortgage Agency Services conveyancing panel. What is the best way to obtain this. I have tried my local Mortgage Agency Services branch but they don't know it.
Have you tried speaking to your lawyer about this?. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Mortgage Agency Services.
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 Mortgage Agency Services will not agree to this. Why was Mortgage Agency Services even consulted?
Your lawyer being on the Mortgage Agency Services conveyancing panel is duty bound to inform Mortgage Agency Services of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Mortgage Agency Services then they would have to discontinue acting for you and Mortgage Agency Services.
I need to find a Mortgage Agency Services panel solicitor in Stirling. Can you assist?
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. At a fee of one pound per month it is not expensive to register on the site
Can you clarify what the consequences are if my solicitor is removed from the Mortgage Agency Services Conveyancing panel before completion?
First, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Mortgage Agency Services conveyancing panel?
Some major lenders now use CQS as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
We are getting a further advance on our mortgage from Mortgage Agency Services as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Mortgage Agency Services conveyancing panel to deal with the legals?
Mortgage Agency Services do not ordinarily appoint firms on 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 Mortgage Agency Services panel
The mortgage over my property is with Mortgage Agency Services. Conveyancing has been completed a year ago. Should I wish 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 Mortgage Agency Services?
You must advise Mortgage Agency Services in advance of renting your property as this is likely to be a breach of Mortgage Agency Services’s mortgage conditions. It may be that Mortgage Agency Services 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 Mortgage Agency Services directly. You need not do this via a Mortgage Agency Services conveyancing panel solicitor.

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