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

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

This software facilitates the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on Mortgage Express’s changes. While using COMPLETIONmonitor is not a condition for being on the Mortgage Express panel, demonstrating you can remain up to date with Mortgage Express’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, safeguard your firm’s panel status.

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 many firms, leads to a PII saving.

Find a Law Firm approved by Mortgage Express

Lenders 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, frequently:

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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Examples of recent questions relating to the Mortgage Express (No 2) Solicitor Panel from members of the public

My wife and I are first time buyers. Within the last couple of days our solicitor has sent a preliminary report and documents to look through with a view to exchanging next week. Mortgage Express (No 2) have this morning contacted us to inform me that there is now an issue as our conveyancer is not on their approved list of lawyers. What do we do from here?
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 solicitors should contact Mortgage Express (No 2) and see if they can apply for membership of the Mortgage Express (No 2) conveyancing panel, but if that is not viable Mortgage Express (No 2) will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on the Mortgage Express (No 2) conveyancing panel and you may continue to use your own solicitors, in which case it will likely add costs, and it will likely delay the transaction as you have another set of people involved.

We are nearing an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this 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 coming from anyone other than me. I disclosed to the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for him to raise this?
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 need to find a Mortgage Express (No 2) panel solicitor in Stirling. Can you assist?
Unfortunately it’s not apparent why you need a Mortgage Express (No 2) panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Mortgage Express (No 2) to find out which solicitors in Mortgage Express (No 2) 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
I am mortgaging my property does my lawyer have to be on the Mortgage Express (No 2) Conveyancing panel?
There is nothing to stop you using your solicitor but Mortgage Express (No 2) will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
How can we tell if a solicitor on the Mortgage Express (No 2) panel is any good?
seeking recommendations is a good start. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the lawyer handling your conveyancing
We were going to get a DIP from Mortgage Express (No 2) this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Mortgage Express (No 2) recommend a solicitor on the Mortgage Express (No 2) conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the Mortgage Express (No 2) conveyancing panel. The solicitor represents both you and the Mortgage Express (No 2) through the process.
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called Mortgage Express (No 2) on various occasions and told it wasn't a problem and they would lend. My solicitor - who is on the Mortgage Express (No 2) conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
Your lawyer has to follow the CML Handbook Part 2 requirements for Mortgage Express (No 2). Unless your lawyer obtains specific confirmation in writing that Mortgage Express (No 2) will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Mortgage Express (No 2) to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.

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