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

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

This system is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on MPowered Mortgages’s changes. Even though using the tool is not a prerequisite for MPowered Mortgages , demonstrating you can stay up to date with MPowered Mortgages’s Handbook requirements is an excellent support to your panel application and, just as importantly, protect your firm’s panel standing.

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

Find a Law Firm approved by MPowered Mortgages

Banks and building societies often change their requirements. The UK Finance Lenders’ Handbook requirements from MPowered Mortgages 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, MPowered Mortgages has made 266 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 10.3 days. In total, 59% of the sections of P2 of the UK Finance Lenders’ Handbook for MPowered Mortgages have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Frequently asked questions relating to the MPowered Mortgages Solicitor Panel from members of the public

For what reasons would a firm of solicitors be excluded from the MPowered Mortgages 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 most common 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 MPowered Mortgages
I am buying a newly built flat and my lawyer is telling me that she is duty bound to disclose incentives from the builder as her practice is on the MPowered Mortgages conveyancing panel. I am on a tight deadline to exchange contracts and I have no desire to delay matters. is my lawyer taking the correct approach?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the MPowered Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on MPowered Mortgages). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Do lenders provide you with an approved list of solicitors? How do you know who is on the MPowered Mortgages conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the MPowered Mortgages conveyancing panel as opposed to being supplied with a list from MPowered Mortgages directly.
The firm that I recently instructed on my house acquisition in Hendon has suddenly closed. I chose them because I needed a firm on the MPowered Mortgages conveyancing panel and my previous lawyer was not. I paid them £200 on account. What do I do now?
If you have an estate agent involved then inform them straight away so that they advise the vendors that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the MPowered Mortgages conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers should be in a position to help
My wife and I have arranged a further advance on our mortgage from MPowered Mortgages as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the MPowered Mortgages conveyancing panel to deal with the legals?
MPowered Mortgages do not ordinarily instruct firms on their approved list of lawyers 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 MPowered Mortgages panel
After much negotiation I have agreed a price on an apartment. My financial adviser recommended their conveyancers I paid an upfront payment of 200. Soon after the conveyancers contacted me to say that they were not on the MPowered Mortgages conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the MPowered Mortgages panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Next month my fiance and I are acquiring a terraced house in Hendon. Conveyancing solicitors in Hendon need to beappointed. My friendadvised that we check that the property lawyer in Hendon is on the MPowered Mortgages panel. Surely I don't need to do this, do I?
Not all Hendon conveyancing practices are on the MPowered Mortgages conveyancing panel. 8 people a month use our search tool to search for a Hendon conveyancing solicitor on the on the MPowered Mortgages list of approved conveyancing firms.

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