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RBS - Direct Line 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 RBS - Direct Line Conveyancing Panel?
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COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This system facilitates the way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with alerts on RBS - Direct Line’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a condition for being 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 application to their lender panel and, more importantly, protect your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory 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 RBS - Direct Line

Lenders frequently vary 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 227 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 12.0 days. In total, 49% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS - Direct Line have been changed since 15/12/2008.

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Common questions asked concerning the RBS - Direct Line Conveyancing Panel from members of the public

I need to swap lawyers as my lawyer is not on the RBS - Direct Line panel of conveyancing solicitors. Is it practical to instruct different lawyers?
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.
My wife and I changing mortgage lender for our apartment with RBS - Direct Line. We have a son 19 who lives with us. The solicitor on the RBS - Direct Line conveyancing panel requested us to identify anyone over the age of 17 other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have a couple of concerns (1) Is this document specific to the RBS - Direct Line conveyancing panel as he did not need to sign this form when we purchased 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to RBS - Direct Line .This is solely used to protect the RBS - Direct Line if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of RBS - Direct Line had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

I require the services of a RBS - Direct Line panel solicitor in Stirling. Can you assist?
It is not clear why you need a RBS - Direct Line panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to RBS - Direct Line to find out which solicitors in RBS - Direct Line are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
I am considering applying for a RBS - Direct Line mortgage for purchase of a newly converted (under development) with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for RBS - Direct Line?
In theory, you could use a solicitor that is not on RBS - Direct Line conveyancing panel, but RBS - Direct Line would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
Do the majority of lenders operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the RBS - Direct Line conveyancing panel requirements are different to RBS - Direct Line’s conveyancing panel criteria.
In what circumstances might RBS - Direct Line amend or withdraw their mortgage offer?
Lenders such as RBS - Direct Line can withdraw their mortgage offer although this rarely happens. In the unlikely event that RBS - Direct Line withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are many potential reasons but here are a few examples:
  • If the financial circumstances of the borrower have changed to the detriment and the RBS - Direct Line has been notified
  • If the borrower informs RBS - Direct Line of a change in security address
  • Where to proceed with the Mortgage offer would be unlawful
  • Where the lender has to take account a recent change in taxation
  • If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
I am due to exchange contracts on my apartment. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, RBS - Direct Line are being a right pain. The solicitor who is on the RBS - Direct Line conveyancing panel is happy to accept ‘lack of building regulation’ insurance but RBS - Direct Line are insisting on a building regulation certificate. Why do RBS - Direct Line have a conveyancing panel of they don’t accept advice from them?
It is probably the case that RBS - Direct Line have referred the matter to their valuer. The reason why RBS - Direct Line 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.

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