National Westminster Bank Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the CML and professional indemnity insures. COMPLETIONmonitor is a unique risk mitigation tool.

This system optimises the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on National Westminster Bank’s changes. Even though utilising the software is not a prerequisite for National Westminster Bank , demonstrating you can stay up to date with National Westminster Bank’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, protect your firm’s panel status.

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

Find a Law Firm approved by National Westminster Bank

Lenders frequently change 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 496 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 5.5 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
4.1 22/07/2019 CML
Mortage valuation
Do National Westminster Bank plc arrange for there to be a valuation report and if so, do they provide it to their conveyancing panel lawyers ?
5.13.1 07/12/2018 CML
Balance of Monies
Contact details at National Westminster Bank plc for conveyancing panel lawyers where borrower is not providing balance of purchase price from funds/proposing to give second charge.
Insolvency Act Indemnity Insurance Deed of Gift Indemnity Insurance
16.4.1 15/11/2018 CML
Consent to Let
Contact details at National Westminster Bank plc for consent to let.
16.5.3a 15/11/2018 CML
Deed of Variation
National Westminster Bank plc requirements for conveyancing panel lawyers as to whether National Westminster Bank plc need to be sent a Deed of Variation
16.5.3d 15/11/2018 CML
Option Agreements
Contact details at National Westminster Bank plc for approved lawyers to send option agreements .
17.2.1a 15/11/2018 CML
Redemption Payments
Where do solicitors and conveyancers send the discharge and repayment remittance in relation to National Westminster Bank plc mortgages ?
6.4.4 05/09/2018 CML
Disclosing Incentives
National Westminster Bank plc approved lawyers additional requirements concerning reporting incentives
4.5b 03/09/2018 CML
Certificates of Title
Contact details at National Westminster Bank plc for conveyancing panel/approved lawyers where COT should be sent
14.1.5 21/03/2018 CML
Post Completion Conveyancing
Does the National Westminster Bank plc need to be sent the original mortgage deed and/or any other original title documents by their conveyancing panel ?
14.2.2 02/03/2018 CML
Post Completion Conveyancing
Which documents should approved lawyersfor National Westminster Bank plc send the title deeds and documents following completion?

Last update 06/09/2019

Examples of recent questions relating to the National Westminster Bank Conveyancing Panel from members of the public

It has come to my attention via my broker that my property lawyer is not on the National Westminster Bank Conveyancing panel. How can I check?
The best course of action for you to take is to contact your conveyancer. You lawyer should advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for National Westminster Bank.
My conveyancing solicitor has informed me that he requires ID documents stating that this forms part of his legal duty as a conveyancer on the National Westminster Bank Solicitor panel. Is this right?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with National Westminster Bank your lawyer also has to check ID documents to satisfy National Westminster Bank
I need to find a National Westminster Bank panel solicitor in Belfast. Can you assist?
Unfortunately it’s not apparent why you need a National Westminster Bank panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to National Westminster Bank to find out which solicitors in National Westminster Bank 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 complete on my dream home last Thursday. My lawyer’s firm is on the National Westminster Bank solicitors panel but has moved offices in the past couple of months and had not informed National Westminster Bank of their new address. National Westminster Bank is now refusing to release my 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 National Westminster Bank branch or your mortgage broker to see if they can assist.
Are all solicitors on the National Westminster Bank conveyancing panel overseen by the SRA?
As a firm of solicitors, in order to be on the National Westminster Bank 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).
Two weeks ago we had a mortgage agreed in principle with National Westminster Bank. Solicitors have been chosen? What is the average time that one could expect to receive a mortgage offer from National Westminster Bank?
There is no definitive answer here. Have National Westminster Bank conducted the valuation? Have you advised National Westminster Bank as your lawyers details and checked that your lawyer is on the National Westminster Bank conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
After shopping around on the internet I have found a solicitor having checked that they are on the National Westminster Bank conveyancing panel. Does my lawyer arrange the survey of the property? Or I've read lots of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the National Westminster Bank conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
National Westminster Bank will need an independent valuation of the property. Your lawyer will not arrange this. Usually National Westminster Bank will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with National Westminster Bank you could contact your them to see if they have a list of approved surveyors.