National Westminster Bank Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk mitigation tool.

This software optimises the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with alerts on National Westminster Bank’s changes. Notwithstanding that using the tool is not a condition for acceptance on the National Westminster Bank panel, demonstrating you can remain up to date with National Westminster Bank’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, protect your panel status.

COMPLETIONmonitor 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, results in a PII saving.

Find a Law Firm approved by National Westminster Bank

Mortgage companies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from National Westminster Bank 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, National Westminster Bank has made 490 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 5.6 days. In total, 63% of the sections of P2 of the UK Finance Lenders’ Handbook for National Westminster Bank have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
6.4.4 05/09/2018 CML
5.14.11 03/09/2018 CML Defective Lease Indemnity Insurance
14.1.5 21/03/2018 CML
14.2.1 02/03/2018 CML
14.1.5 02/03/2018 CML
16.5.3b 28/12/2017 CML
16.5.3c 28/12/2017 CML
4.5a 28/12/2017 CML
16.3.2 27/10/2017 CML
16.5.3d 27/10/2017 CML

Last update 10/03/2019

FAQs : The National Westminster Bank Solicitor Panel from members of the public

My IFA has says he needs my solicitor’s panel member for the National Westminster Bank conveyancing panel. Can you suggest how I obtain this. I have e-mailed my local National Westminster Bank office but they cant find it on their system.
You are best placed to get this information from your conveyancing lawyer. They should have a central record lender panel numbers including the National Westminster Bank panel reference.
Our lawyer has discovered a legal deficiency with the lease for the apartment we are buying. The other side have put forward defective title insurance as a workaround. We are content with insurance and will pay for it. Our solicitor says that as he is on the National Westminster Bank conveyancing panel he must be satisfied that the lender is happy with this solution. Are we the client or is National Westminster Bank?
Just because you have a mortgage offer from National Westminster Bank 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 National Westminster Bank are the client. These conveyancing instructions have to be complied with by the National Westminster Bank conveyancing panel who has to balance acting for you and National Westminster Bank
I am Googling for conveyancing quotes online. Can I be assured that all the law firms that are listed on your directory are on the National Westminster Bank conveyancing panel?
The law firms listed on our site have advised us that they are on the National Westminster Bank panel and agreed to advise us to take down their listing in the event of removal off of the National Westminster Bank panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the National Westminster Bank conveyancing panel is incorrect.
My solicitors in Liverpool have advised me that no longer have my conveyancing file. To assist with my purchase I took out a mortgage with National Westminster Bank. Is it case that being on the National Westminster Bank conveyancing panel they need to have retained the file for a prescribed period?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the National Westminster Bank Conveyancing Panel Terms. It might be worth you contacting National Westminster Bank directly.
What are the common reasons for a lender such as National Westminster Bank to withdraw a mortgage offer?
Banks and Building Societies such as National Westminster Bank can revoke their mortgage offer although this is unusual. should National Westminster Bank withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are various possible reasons but here are 5 examples:
  • Where information comes to National Westminster Bank ‘s attention regarding the customers or the security that they were not aware of prior to offer that affects their original decision to lend
  • If the borrower informs National Westminster Bank of a change in the loan amount agreed
  • Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
  • Following advice from the valuer on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
  • If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;
The for formalities of my remortgage has taken place with a mortgage from National Westminster Bank. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about National Westminster Bank. How do I make a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the National Westminster Bank branches or the Customer Services Department at National Westminster Bank head office. Ordinarily complaints to National Westminster Bank are resolved effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service with full details of your complaint.
My ex -wife’s name is on the National Westminster Bank mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the National Westminster Bank mortgage in order to sell?
As regards the National Westminster Bank mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of National Westminster Bank in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.