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NRAM Ltd Conveyancing Lender Panel Compliance Tool

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

This system optimises the way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on NRAM Ltd’s changes. While utilising the tool is not a condition for acceptance on the NRAM Ltd panel, demonstrating you can stay up to date with NRAM Ltd’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your firm’s panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by NRAM Ltd

Lenders 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.

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

I have been advised by my broker that I have to pay NRAM Ltd fees if I use my own solicitor. How efficient are the NRAM Ltd conveyancing panel solicitors? I dont care which law firm I use as long as they're good and not exorbitantly priced. Would you recommend a specific law firm on the NRAM Ltd panel?
NRAM Ltd’s conveyancing panel is pretty large so it would be advisable to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that NRAM Ltd will allow to act for them.
My husband and I intend to remortgage our penthouse with NRAM Ltd. We have a son 19 who lives with us. The solicitor on the NRAM Ltd conveyancing panel requested us to identify any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the property is forfeited by the lender. I have two concerns (1) Is this document specific to the NRAM Ltd conveyancing panel as he never had to sign this form when we purchased 3 years ago (2) Does our son by signing this giving up his rights to inherit the property?
First, rest assured that your NRAM Ltd conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to NRAM Ltd .This is solely used to protect the NRAM Ltd if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of NRAM Ltd had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Having used your search tool I can't find the lawyer I was hoping to instruct as being on the NRAM Ltd conveyancing panel. My lawyer has said that they are on the NRAM Ltd approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the NRAM Ltd conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the NRAM Ltd solicitor panel.
I am selling my house. Does my solicitor have to be on the NRAM Ltd conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the NRAM Ltd conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Is it the case that all solicitor firms on the NRAM Ltd conveyancing panel regulated by the SRA?
As solicitors, in order to be on the NRAM Ltd 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).
I had instructed online solicitors based in Manchester who are on the NRAM Ltd solicitor panel. They have just invoiced me a separate fee of £195 for dealing with the NRAM Ltd mortgage. Is this a supplemental conveyancing fee specified by NRAM Ltd?
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 NRAM Ltd but by your lawyers. Some firms on the NRAM Ltd will charge an ‘acting for lender’ fee and others do not.
I have a mortgage with NRAM Ltd. Conveyancing was finalised 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform NRAM Ltd?
You must advise NRAM Ltd in advance of letting out your property as this is likely to be a breach of NRAM Ltd’s mortgage conditions. It may be that NRAM Ltd will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact NRAM Ltd directly. You need not do this via a NRAM Ltd conveyancing panel lawyer.

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