NRAM Ltd Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online 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 is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on NRAM Ltd’s changes. Notwithstanding that utilising the software 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 application to their lender panel and, just as importantly, safeguard your firm’s panel standing.

The software creates real-time alerts, automatically produces COLP and CQS reports, and will improve your firm's efficiency. It is also simply to use, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by NRAM Ltd

Banks and building societies 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 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 Conveyancing Panel Example Support Desk Enquires from members of the public

I need to swap lawyers as my lawyer is not on the NRAM Ltd panel of conveyancing solicitors. Is it advisable to appoint a new law firm?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
Our solicitor has discovered a problem with the lease for the flat we are buying. The seller’s lawyers have suggested defective title insurance as a workaround. We are content with insurance and will cover the costs. Our solicitor says that as he is on the NRAM Ltd conveyancing panel he must check that the lender is happy with this solution. Are we the client or is NRAM Ltd?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and NRAM Ltd are the client. A precondition to being on the NRAM Ltd approved panel is to comply with the CML Handbook requirements (last updated for this lender on NRAM Ltd). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that NRAM Ltd can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I see that you have a search directory listing solicitors on the NRAM Ltd conveyancing panel. Do firms pay you a commission if I instruct them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the NRAM Ltd conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
What happens if my lawyer’s firm is removed from the NRAM Ltd Solicitor panel in advance of the completion date?
The first thing to point out is that, 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 for a fee.
Are all solicitor firms on the NRAM Ltd conveyancing panel regulated by the SRA?
As a firm of solicitors, in order to be on the NRAM Ltd conveyancing panel they would need to be regulated by the SRA. 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 am selling my apartment. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, NRAM Ltd are being difficult. The solicitor who is on the NRAM Ltd conveyancing panel is saying indemnity insurance will be fine but NRAM Ltd are insisting on a building regulation certificate. Why do NRAM Ltd have a conveyancing panel of they don’t accept advice from them?
It is probably the case that NRAM Ltd have referred the matter to their valuer. The reason why NRAM Ltd may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
My husband and I are buying a garden flat in Hendon. Conveyancing solicitors in Hendon need to beappointed. My brother-in-lawsuggested that we make sure that the conveyancer in Hendon is on the NRAM Ltd list of approved conveyancing firms. Is this really necessary?
It is not that case that all Hendon conveyancing practices are on the NRAM Ltd conveyancing panel. 7 people a month use our search tool to locate a Hendon conveyancing practitioner on the on the NRAM Ltd solicitors pane.