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

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Mortgage Express’s changes. While utilising COMPLETIONmonitor is not a prerequisite for Mortgage Express , demonstrating you can remain up to date with Mortgage Express’s Handbook requirements is a helpful 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 enhance your firm's efficiency. It is also simply to use, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Mortgage Express

Banks and building societies often change their requirements. The UK Finance Lenders’ Handbook requirements from Mortgage Express 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 has made 849 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 3.2 days. In total, 38% of the sections of P2 of the UK Finance Lenders’ Handbook for Mortgage Express have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Mortgage Express (No 2) Conveyancing Panel : Questions and Answers from members of the public

For what reasons could a law firm be excluded from the Mortgage Express (No 2) solicitor panel?
According to a recent survey report by the solicitors regulator three quarters of law firms had been removed from a lender panel. The top reasons in order are :
  1. Low volume 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. We are not aware of the specific or common criteria for removal by Mortgage Express (No 2)
I do hope you can help me. My lawyer is informing me me that he has to conduct a Local Authority search as the firm are on the Mortgage Express (No 2) solicitor panel. The searches cost a lot of money. Can this be avoided?
You have limited options available to you. Given that you are taking out a loan with Mortgage Express (No 2) your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Mortgage Express (No 2)’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Mortgage Express (No 2). even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I have been searching for online conveyancing estimates. Can I be sure that all the law firms that are identified on your site are on the Mortgage Express (No 2) conveyancing panel?
The solicitor and licensed conveyancing practices on our directory have advised us 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 bank or a member of the public that the data about a specific firm being on the Mortgage Express (No 2) conveyancing panel is incorrect.
I am purchasing a new build flat and getting a mortgage with Mortgage Express (No 2). How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Mortgage Express (No 2) conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Mortgage Express (No 2) conveyancing panel in your location.
I have a mortgage with Mortgage Express (No 2). My father retired last week and wants to pay off my mortgage. After Mortgage Express (No 2) is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Mortgage Express (No 2) conveyancing panel? I do not intend to live at the property once the Mortgage Express (No 2) mortgage is discharged.
Although you do need to retain the services of a lawyer they dont need to be on the Mortgage Express (No 2) panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. As the property is your main residence you need not pay CGT but you should speak with your accountants in any event.
I am due to exchange contracts on my house. I had a double glazing fitted in month 7 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Mortgage Express (No 2) are being pedantic. The solicitor who is on the Mortgage Express (No 2) conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Mortgage Express (No 2) are insisting on a building regulation certificate. Why do Mortgage Express (No 2) have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Mortgage Express (No 2) have referred the matter to their valuer. The reason why Mortgage Express (No 2) may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
I have instructed a lawyer having made sure that they are on the Mortgage Express (No 2) conveyancing panel. Does my lawyer arrange the survey of the property? Or Having digested plenty of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Mortgage Express (No 2) conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Mortgage Express (No 2) will need an independent valuation of the property. Your lawyer will not arrange this. Usually Mortgage Express (No 2) will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Mortgage Express (No 2) you could contact your them to see if they have a list of approved surveyors.

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