Royal Bank of Scotland -Natwest One Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk management tool.

This software facilitates the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Royal Bank of Scotland -Natwest One’s changes. While using this technology is not a prerequisite for Royal Bank of Scotland -Natwest One , demonstrating you can remain up to date with Royal Bank of Scotland -Natwest One’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, protect your firm’s panel standing.

The software creates real-time alerts, automatically produces SRA and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by Royal Bank of Scotland -Natwest One

Mortgage companies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Royal Bank of Scotland -Natwest One 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, Royal Bank of Scotland -Natwest One has made 197 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 13.9 days. In total, 51% of the sections of P2 of the UK Finance Lenders’ Handbook for Royal Bank of Scotland -Natwest One 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
5.7.1b 02/12/2016 CML
Freehold Flats
The Royal Bank of Scotland plc Natwest One Account panel lawyers clarification as to whether they lend on freehold flats
Flying Freehold Indemnity Insurance
5.19.1 19/07/2016 CML
Shared Ownership and Shared Equity
Contact details at The Royal Bank of Scotland plc Natwest One Account for approved lawyers for lending on affordable housing, shared equity and shared ownership and where relevant The Royal Bank of Scotland plc Natwest One Account requirements.
10.2b 05/07/2016 CML
Mortgage Advance and Certificate of Title
What is the minimum number of days notice The Royal Bank of Scotland plc Natwest One Account require ahead of sending the mortgage advance?
6.7.1 25/09/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc Natwest One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.1 25/08/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc Natwest One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
6.7.4 13/01/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc Natwest One Account approved conveyancer requirements for New Build Conveyancing : will the The Royal Bank of Scotland plc Natwest One Account proceed if the property does not have the benefit of a new home warranty scheme
6.14.1 04/12/2014 CML
Building Insurance
The Royal Bank of Scotland plc Natwest One Account approved lawyers additional requirements concerning building insurance
6.14.1a 01/12/2014 CML
contact point if property is not insured in accordance with lender requirement
6.14.1c 01/12/2014 CML
buildings insurance total sum insured calculation
6.7.1 16/09/2014 CML
New Build Conveyancing
The Royal Bank of Scotland plc Natwest One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes

Last update 12/03/2019

Examples of recent questions relating to the Royal Bank of Scotland -Natwest One Solicitor Panel from members of the public

I have been advised by my broker that I have to pay Royal Bank of Scotland -Natwest One fees if I use my own solicitor. How good are the Royal Bank of Scotland -Natwest One conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH provided that they are good and not exorbitantly priced. Are there any Royal Bank of Scotland -Natwest One conveyancers you'd recommend?
Royal Bank of Scotland -Natwest One’s conveyancing panel is pretty large so it would be advisable to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Royal Bank of Scotland -Natwest One will allow to act for them.
Can you clarify something for me?. For no fault of my lawyer but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Royal Bank of Scotland -Natwest One was dated random date and we have agreed a date for me to move into the property on 6 months + 3. My lawyer says that as she is on the Royal Bank of Scotland -Natwest One conveyancing panel she needs to redo the searches as they are no longer valid.
A precondition to being on the Royal Bank of Scotland -Natwest One approved panel is to comply with the CML Handbook requirements (last updated for this lender on Royal Bank of Scotland -Natwest One)which specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Royal Bank of Scotland -Natwest One.
I require the services of a Royal Bank of Scotland -Natwest One panel solicitor in Belfast. Could you help me?
It is not clear why you need a Royal Bank of Scotland -Natwest One panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Royal Bank of Scotland -Natwest One to find out which solicitors in Royal Bank of Scotland -Natwest One 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 refinancing my apartment does my lawyer have to be on the Royal Bank of Scotland -Natwest One Conveyancing panel?
In theory, you could use a solicitor that is not on Royal Bank of Scotland -Natwest One conveyancing panel, but Royal Bank of Scotland -Natwest One 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 conveyancing matter.
Do conveyancing solicitors on the Royal Bank of Scotland -Natwest One conveyancing panel work on a no move no charge basis?
In the main there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
I had instructed online conveyancers located in Bristol who are on the Royal Bank of Scotland -Natwest One solicitor panel. They have just invoiced me a separate fee of £175 for dealing with the Royal Bank of Scotland -Natwest One mortgage. Is this an additional conveyancing fee specified by Royal Bank of Scotland -Natwest One?
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 Royal Bank of Scotland -Natwest One but by your lawyers. Some firms on the Royal Bank of Scotland -Natwest One will charge an ‘acting for lender’ fee and others do not.
My offer on house has been accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What should be my next step? When should I get the mortgage app going with Royal Bank of Scotland -Natwest One?
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 Royal Bank of Scotland -Natwest One 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 Royal Bank of Scotland -Natwest One and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.