RBS - Direct Line Conveyancing Lender Panel Compliance Tool

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

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on RBS - Direct Line’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a condition for acceptance on the RBS - Direct Line panel, demonstrating you can remain up to date with RBS - Direct Line’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your firm’s panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by RBS - Direct Line

Mortgage companies 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, frequently:

A Timeline of Policy Changes


Since 2008, RBS - Direct Line has made 193 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 14.1 days. In total, 46% 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
5.8.5 17/03/2020 CML
5.4.6 19/11/2019 CML Local Search Indemnity Insurance
6.7.1 10/10/2019 CML
16.1.1 28/12/2017 CML
5.7.1b 02/12/2016 CML
16.3.1 31/05/2016 CML
6.7.1 17/11/2015 CML
6.7.1 25/09/2015 CML
6.7.1 25/08/2015 CML
6.7.4 13/01/2015 CML

Last update 30/03/2020

RBS - Direct Line Conveyancing Panel : Questions and Answers from members of the public

A conveyancer my husband and I had intended to instruct on a purchase said she will levy higher legal fees if my mortgage is with RBS - Direct Line because of their difficult processes! Am I likely to be frustrated using RBS - Direct Line? Is RBS - Direct Line conveyancing so much more difficult?
RBS - Direct Line conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the RBS - Direct Line conveyancing panel. If they are not, this does add further risk of delay as RBS - Direct Line will appoint their own solicitors to look after their interest.
I am purchasing a new build flat and my conveyancer is informing me that she is duty bound to disclose incentives from the developer as her firm is on the RBS - Direct Line conveyancing panel. The Estate Agents are hassling me to sign contracts and I would rather not prolong the conveyancing. is my lawyer taking the correct approach?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the RBS - Direct Line approved panel is to comply with the CML Handbook requirements (last updated for this lender on RBS - Direct Line). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I am looking to buy a property and require a conveyancing solicitor in Newcastle who is on the RBS - Direct Line conveyancing. Can you recommend a local 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 purchasing a new build flat and getting a mortgage with RBS - Direct Line. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the RBS - Direct Line conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the RBS - Direct Line conveyancing panel in your location.
We are getting a further advance on our mortgage from RBS - Direct Line as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the RBS - Direct Line conveyancing panel to deal with the paperwork?
RBS - Direct Line do not ordinarily instruct firms on their approved list of lawyers to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the RBS - Direct Line list
We were going to get a DIP from RBS - Direct Line this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the RBS - Direct Line recommend a solicitor on the RBS - Direct Line conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the RBS - Direct Line conveyancing panel. The solicitor represents both you and the RBS - Direct Line through the process.
I have had an offer accepted on a house I spoke to a solicitor previously used by my brother and he advised using a solicitor approved by RBS - Direct Line. The estate agent recommended two local firms so I asked RBS - Direct Line if the 2 suggested solicitors are approved, which they are not. RBS - Direct Line suggested that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of RBS - Direct Line 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask RBS - Direct Line for conveyancing panel firms in your area. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the RBS - Direct Line conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto RBS - Direct Line conveyancing panel as it may only take about 2-3 weeks. As long as they meet RBS - Direct Line’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.