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Mortgage Express (No 2) 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 Express (No 2) Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Mortgage Express (No 2) Conveyancing Panel?
Check your firm’s panel Status

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 system assists the way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Mortgage Express (No 2)’s changes. Notwithstanding that utilising the tool is not a condition for being on the Mortgage Express (No 2) panel, demonstrating you can stay up to date with Mortgage Express (No 2)’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your firm’s panel standing.

The software generates real-time alerts, automatically produces compliance and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by Mortgage Express (No 2)

Mortgage companies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Mortgage Express (No 2) 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 Express (No 2) has made 491 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 5.6 days. In total, 8% of the sections of P2 of the UK Finance Lenders’ Handbook for Mortgage Express (No 2) have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Examples of recent questions relating to the Mortgage Express (No 2) Solicitor Panel from members of the public

My Conveyancer is not on the Mortgage Express (No 2) Conveyancing Panel. Is it possible for me to retain my preferred solicitor notwithstanding that they are excluded from the Mortgage Express (No 2) panel?
You have a number of options available to you here:
  1. Complete the purchase with your preferred solicitors but Mortgage Express (No 2) will need to instruct a lawyer on the Mortgage Express (No 2) 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 Mortgage Express (No 2) conveyancing panel.
  3. Urge your lawyer to apply to join the Mortgage Express (No 2) lender panel
We are approaching an exchange and my mum and dad having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Mortgage Express (No 2). I am advised that, being on the Mortgage Express (No 2) conveyancing panel and acting on their behalf he must inform Mortgage Express (No 2) 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 home loan so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with Mortgage Express (No 2) 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 Mortgage Express (No 2) if you agree, failing which, your lawyer must cease to continue acting.
I am Googling for online conveyancing estimates. Can I be confident that all the practices that are identified on your directory are on the Mortgage Express (No 2) conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the Mortgage Express (No 2) panel and agreed to advise us to take down their listing in the event of removal off of the Mortgage Express (No 2) panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the Mortgage Express (No 2) conveyancing panel is not accurate.
We're in Birmingham, First time buyers purchasing with a mortgage (lender is Mortgage Express (No 2) , but our solicitor is on the Mortgage Express (No 2) conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Mortgage Express (No 2) conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Why might a lender such as Mortgage Express (No 2) withdraw a mortgage offer?
Banks and Building Societies such as Mortgage Express (No 2) can revoke their mortgage offer although this rarely happens. In the unlikely event that Mortgage Express (No 2) withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are 5 examples:
  • If the financial circumstances of the borrower have changed to the detriment and the Mortgage Express (No 2) has been notified
  • If the borrower informs Mortgage Express (No 2) of a change in security address
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
My ex -wife’s name is on the Mortgage Express (No 2) mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Mortgage Express (No 2) mortgage in order to sell?
In terms of the Mortgage Express (No 2) mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Mortgage Express (No 2) in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.
Next month my fiance and I are remortgaging a garden flat in Hendon. Conveyancing solicitors in Hendon are preferred to beretained. My fatherrecommended that we double-check that the conveyancing practitioner in Hendon is on the Mortgage Express (No 2) solicitors panel. Aren't all lawyers on the Mortgage Express (No 2) panel?
Not all Hendon conveyancing solicitors are on the Mortgage Express (No 2) conveyancing panel. 5 people a month use our search tool to find a Hendon conveyancing firm on the on the Mortgage Express (No 2) list of approved conveyancing firms.