RBS - Direct Line Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and professional indemnity insures. COMPLETIONmonitor is a unique risk management tool.

This software is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on RBS - Direct Line’s changes. Even though utilising COMPLETIONmonitor is not a prerequisite for RBS - Direct Line , demonstrating you can remain up to date with RBS - Direct Line’s Handbook requirements is a helpful support to your panel application and, more importantly, safeguard your panel standing.

The software generates real-time alerts, automatically produces compliance and CQS reports, and will increase 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 RBS - Direct Line

Lenders often change their requirements. The UK Finance Lenders’ Handbook requirements from RBS - Direct Line 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, RBS - Direct Line has made 190 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 14.4 days. In total, 45% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS - Direct Line have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
14.2.1 28/12/2017 CML
17.1.1 28/12/2017 CML
5.7.1b 02/12/2016 CML Flying Freehold Indemnity Insurance
6.7.1 23/08/2016 CML
5.19.1 19/07/2016 CML
6.7.1 12/02/2016 CML
6.7.1 25/09/2015 CML
6.7.1 25/08/2015 CML
6.14.1c 01/12/2014 CML
6.14.4 01/12/2014 CML

Last update 16/11/2019

Frequently asked questions relating to the RBS - Direct Line Conveyancing Panel from members of the public

I am in the process of selling my flat and the EA has just e-mailed to warn that the purchasers are switching law firm. The excuse is that RBS - Direct Line will only engage with solicitors on their conveyancing panel. Why would a leading mortgage company only deal with specific solicitors?
Lenders have always had panels of law firms they are willing to work with, but in the past few years big names such as Santander, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for decades.

Banks blame a rise in fraud by way of justification for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is being contacted daily by practices that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company RBS - Direct Line will not agree to this. Why was RBS - Direct Line even consulted?
Your lawyer being on the RBS - Direct Line conveyancing panel is duty bound to inform RBS - Direct Line of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to RBS - Direct Line then they would have to discontinue acting for you and RBS - Direct Line.
I am purchasing a property and require a conveyancing solicitor in who is on the RBS - Direct Line solicitor. 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 RBS - Direct Line . We don’t recommend any particular firm.
I am selling my house. Does my solicitor have to be on the RBS - Direct Line conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the RBS - Direct Line 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.
We have a mortgage agreed in principle with RBS - Direct Line. Solicitors have been instructed? What is the average time that one could expect to receive a mortgage offer from RBS - Direct Line?
Some lenders take longer than others. Have RBS - Direct Line conducted the survey? Have you advised RBS - Direct Line as your lawyers details and checked that your lawyer is on the RBS - Direct Line conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
The mortgage over my property is with RBS - Direct Line. Conveyancing has been completed some time ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform RBS - Direct Line?
RBS - Direct Line must be informed of your intention in advance of renting your property as this is likely to be a breach of RBS - Direct Line’s mortgage conditions. It may be that RBS - Direct Line 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 RBS - Direct Line directly. It should not be necessary to do this via a RBS - Direct Line conveyancing panel lawyer.
At last I have had an offer on an apartment accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What do I do now? When should I get the mortgage app going with RBS - Direct Line?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the RBS - Direct Line conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with RBS - Direct Line and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.