NRAM Ltd Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders 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 instructions, with alerts on NRAM Ltd’s changes. Notwithstanding that using the software is not a prerequisite for NRAM Ltd , demonstrating you can remain up to date with NRAM Ltd’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, protect your panel status.

The system creates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. It is also user friendly, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by NRAM Ltd

Banks and building societies 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,

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NRAM Ltd Solicitor Panel Recently Asked Questions from members of the public

My IFA has asked me for my law firm’s panel reference for the NRAM Ltd conveyancing panel. Can you suggest how I discover this. I have e-mailed my local NRAM Ltd office but they cant find it on their system.
You are best placed to get this information from your conveyancing lawyer. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for NRAM Ltd.
My solicitor is asking me for identification documents stating that this forms part of his requirements as a conveyancer on the NRAM Ltd Conveyancing panel. This is news to me - can I refuse?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Client Care letter that you need to sign will no doubt confirm this. Your lawyer is right that NRAM Ltd also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with NRAM Ltd CML Handbook requirements last updated on NRAM Ltd
I am looking to buy a property and need a conveyancing solicitor in Leeds who is on the NRAM Ltd approved. Could you point me in the right direction as regards a firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for NRAM Ltd . We don’t recommend any particular firm.
I am attempting to get my ex-husband taken off the mortgage deeds. Can NRAM Ltd really tell me which solicitor I can or can not use?
You can use any solicitor you like but NRAM Ltd then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the NRAM Ltd solicitors panel
My fiance and I are at the point of viewing flats and now considering a potential offer. Is it premature to have a solicitor in place? I intend to finance via a mortgage with NRAM Ltd
You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with NRAM Ltd , make sure you remember to check that your lawyer is on the NRAM Ltd conveyancing panel.
I recently had an offer accepted on a house. My financial adviser pressured me to appoint their lawyers I paid an upfront payment of 225. Soon after the conveyancers contacted me sheepishly admitting that they were not on the NRAM Ltd conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the NRAM Ltd panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Planning on purchasing a flat with a mortgage with NRAM Ltd. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the NRAM Ltd conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the NRAM Ltd conveyancing panel