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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 web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. It 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 instructions, with notifications given on MPowered Mortgages’s changes. Even though utilising the software is not a condition for being on the MPowered Mortgages panel, demonstrating you can stay up to date with MPowered Mortgages’s Handbook requirements is a helpful support to your panel application and, more importantly, safeguard your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by MPowered Mortgages

Banks and building societies frequently 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.

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Common questions asked concerning the MPowered Mortgages Solicitor Panel from members of the public

My fiance and I are hoping to buy a 1 bedroom apartment in Newcastle with a mortgage from MPowered Mortgages. We like our solicitor but MPowered Mortgages says she’s not on their "panel". We have to appoint one of the MPowered Mortgages panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that MPowered Mortgages use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the MPowered Mortgages conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for MPowered Mortgages
Our lawyer has identified a defect with the lease for the flat we are purchasing. The seller’s lawyers have offered title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer has advised that as he is on the MPowered Mortgages conveyancing panel he must be satisfied that the lender is happy with this solution. Are we the client or is MPowered Mortgages?
Just because you have a mortgage offer from MPowered Mortgages does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and MPowered Mortgages are the client. These conveyancing instructions must be adhered to by the MPowered Mortgages conveyancing panel who has to balance acting for you and MPowered Mortgages
I need to find a MPowered Mortgages panel solicitor in Inverness. Can you assist?
It is not clear why you need a MPowered Mortgages panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to MPowered Mortgages to find out which solicitors in MPowered Mortgages 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 was scheduled to move into my dream home last Friday. My solicitor is on the MPowered Mortgages solicitors panel but has moved offices in the past couple of months and had not informed MPowered Mortgages of their new address. MPowered Mortgages has locked down the release of mortgage funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local MPowered Mortgages branch or your mortgage broker to see if they can help.
I had instructed online solicitors located in Cardiff who are on the MPowered Mortgages solicitor panel. They are now charging me a separate fee of £195 for dealing with the MPowered Mortgages mortgage. Is this an additional conveyancing fee specified by MPowered Mortgages?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by MPowered Mortgages but by your lawyers. Some firms on the MPowered Mortgages will charge an ‘acting for lender’ fee and others do not.
Can I be sure that the solicitor on the MPowered Mortgages panel is any good?
Getting recommendations is a good starting point. 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 advise that you speak with the lawyer carrying out your conveyancing
Last month we had a mortgage agreed in principle with MPowered Mortgages. Solicitors have been instructed? How long does it take for MPowered Mortgages to send the offer to our conveyancer
Some lenders take longer than others. Have MPowered Mortgages conducted the valuation? Have you advised MPowered Mortgages as your lawyers details and checked that your lawyer is on the MPowered Mortgages conveyancing panel? It is not unusual for a mortgage offer to take a month to come through

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