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NRAM Ltd Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the NRAM Ltd Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the NRAM Ltd Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This system optimises the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with alerts on NRAM Ltd’s changes. Even though using the tool is not a condition for being on the NRAM Ltd panel, demonstrating you can stay up to date with NRAM Ltd’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will enhance 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 NRAM Ltd

Lenders often 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 127 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 21.5 days. In total, 8% 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 lawyer is not on the NRAM Ltd Solicitor Panel. Is it possible for me to use my preferred solicitor notwithstanding that they are not on the NRAM Ltd panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a NRAM Ltd mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the NRAM Ltd conveyancing panel additional costs will be incurred as separate legal representation will be required by NRAM Ltd. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Much to my surprise my property lawyer has informed me that he requires identification documents stating that this forms part of his obligations as a solicitor on the NRAM Ltd Solicitor 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
Do all mortgage companies provide you with an approved list of solicitors? How do you know who is on the NRAM Ltd conveyancing panel?
The firms themselves provide us confirmation that they are on the NRAM Ltd conveyancing panel as opposed to being supplied with a list from NRAM Ltd directly.
My grandmother passed away 10 months ago and as sole heir and executor was left the property. The house had a relatively small loan left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to NRAM Ltd , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then NRAM Ltd will insist on your using a conveyancer on the NRAM Ltd conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your NRAM Ltd conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the NRAM Ltd mortgage is registered as a charge at the Land Registry.
I previously instructed online solicitors based in Manchester who are on the NRAM Ltd solicitor panel. They have just invoiced me a separate fee of £175 for the legal aspects of the NRAM Ltd mortgage. Is this an additional conveyancing fee set 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 but plenty of firms include it on their overall fee.
Two weeks ago we had a mortgage agreed in principle with NRAM Ltd. Solicitors have been appointed? What is the average time that one could expect to receive a mortgage offer from NRAM Ltd?
Some lenders take longer than others. Have NRAM Ltd completed the valuation? Have you advised NRAM Ltd as your lawyers details and checked that your lawyer is on the NRAM Ltd conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
I have instructed a lawyer having made sure that they are on the NRAM Ltd conveyancing panel. Does my lawyer arrange the survey of the property? Or Having digested plenty of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the NRAM Ltd conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
NRAM Ltd will need an independent valuation of the property. Your lawyer will not arrange this. Usually NRAM Ltd 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 NRAM Ltd you could contact your them to see if they have a list of approved surveyors.

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