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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?
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Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This system optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Mortgage Express’s changes. Notwithstanding that utilising the tool is not a condition for being on the Mortgage Express panel, demonstrating you can stay up to date with Mortgage Express’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, protect your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces compliance and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Mortgage Express

Lenders often vary 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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FAQs for the Mortgage Express (No 2) Solicitor Panel from members of the public

My IFA has says he needs my law firm’s panel member for the Mortgage Express (No 2) conveyancing panel. Can you suggest how I obtain this. I have called my local Mortgage Express (No 2) branch but they have not got back to me yet.
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 Express (No 2).
Our son is about to exchange on a new build apartment with a home loan from Mortgage Express (No 2). His solicitor has said that there is a delay in completing the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties involved in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Mortgage Express (No 2) conveyancing panel as a standard part of the process, and to the valuer when asked.

The Developer will be required to start the process by downloading the form and completing it.

The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Mortgage Express (No 2) conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

Do all the licensed conveyancers and solicitor practices listed on your directory have online case tracking as I understood that this was a condition of being on the Mortgage Express (No 2) conveyancing panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I am selling my house. Does my solicitor have to be on the Mortgage Express (No 2) conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Mortgage Express (No 2) 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.
When it comes to lenders such as Mortgage Express (No 2) do solicitors have to be pay a fee to be on the conveyancing panel?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
Is it the case that all solicitor practices on the Mortgage Express (No 2) conveyancing panel regulated by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Mortgage Express (No 2) conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
I have a mortgage with Mortgage Express (No 2). My godfather 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.
You will need a solicitor but they need not be on the Mortgage Express (No 2) conveyancing 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.

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