NRAM Ltd Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers. It is a unique risk management tool.

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

COMPLETIONmonitor generates 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 NRAM Ltd

Mortgage companies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from NRAM Ltd 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, NRAM Ltd has made 10 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 273.0 days. In total, 2% of the sections of P2 of the UK Finance Lenders’ Handbook for NRAM Ltd have been changed since 15/12/2008.

To find out more about lender panel compliance,

Book a Personalised Demo

FAQs : The NRAM Ltd Solicitor Panel from members of the public

On what basis would a firm of solicitors be removed from the NRAM Ltd approved conveyancing panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of solicitor practices had been excluded from a lender panel. The top 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 NRAM Ltd
Please assist. For no fault of my lawyer but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from NRAM Ltd was date stamped random date and we have agreed a date for me to move into the property on 6 months + 3. My lawyer has advised that as she is on the NRAM Ltd conveyancing panel she needs to reorder the searches as they are no longer acceptable to the lender.
One of the many conditions to being on the NRAM Ltd approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on NRAM Ltd)which specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to NRAM Ltd.
Do all the licensed conveyancers and solicitor practices listed on your directory have online case tracking as I was under the impression that this was a precondition of being on the NRAM Ltd conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
What happens if my lawyer’s firm is suspended from the NRAM Ltd Solicitor panel in advance of the moving date as agreed at exchange of contracts?
First, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
Can I register a complaint to NRAM Ltd about the lawyers being on the NRAM Ltd conveyancing panel?
Complaining to NRAM Ltd about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

NRAM Ltd have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up NRAM Ltd or your broker and complete any relevant paperwork. NRAM Ltd will tell you what documents they want. NRAM Ltd will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. NRAM Ltd will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
My husband and I are purchasing a flat in Hendon. Conveyancing solicitors in Hendon need to beinstructed. My mothersuggested that we enquire that the conveyancing practitioner in Hendon is on the NRAM Ltd panel. Surely I don't need to do this, do I?
It is not that case that all Hendon conveyancing practices are on the NRAM Ltd conveyancing panel. 5 people a month use our search tool to find a Hendon conveyancing solicitor on the on the NRAM Ltd panel.