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

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers. COMPLETIONmonitor is a unique risk management tool.

This software optimises the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Royal Bank of Scotland -Natwest One’s changes. While using the software 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 panel application and, more importantly, protect your firm’s panel status.

The software creates real-time alerts, automatically produces COLP and CQS reports, and will improve your firm's efficiency. It is also 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

Banks and building societies often 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, frequently:

A Timeline of Policy Changes


Since 2008, Royal Bank of Scotland -Natwest One has made 202 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 13.5 days. In total, 52% 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
5.8.5 17/03/2020 CML
Leasehold Conveyancing : Freehold Reversion
The Royal Bank of Scotland plc Natwest One Account approved lawyers clarification as to whether they accept security which comprises one of two leasehold flats in a building where the borrower also owns the freehold reversion of the other flat and the other leaseholder owns the freehold reversion in the borrower's flat? If so, are there any specific requirements??
5.4.6 19/11/2019 CML
Conveyancing Searches: Search Insurance
The Royal Bank of Scotland plc Natwest One Account approved lawyers clarification as to whether they accept search insurance and, if yes, the The Royal Bank of Scotland plc Natwest One Account requirements
Local Search Indemnity Insurance
6.7.1 10/10/2019 CML
New Build Conveyancing
The Royal Bank of Scotland plc Natwest One Account approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
5.7.1a 02/12/2016 CML
Flying Freeholds
The Royal Bank of Scotland plc Natwest One Account approved lawyers clarification as to whether they lend on flying freeholds
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
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 conveyancing panel 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?
16.3.1 31/05/2016 CML
Transfer of Equity
The Royal Bank of Scotland plc Natwest One Account clarification as to whether they have a standard form of Transfer of Equity/Deed of Covenant?
6.7.1 17/11/2015 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

Last update 05/04/2020

Frequently asked questions relating to the Royal Bank of Scotland -Natwest One Conveyancing Panel from members of the public

My financial adviser has informed me that I have to pay Royal Bank of Scotland -Natwest One fees should I instruct my family lawyer. How good are the Royal Bank of Scotland -Natwest One conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH as long as they're good and not exorbitantly priced. Would you recommend a specific law firm on the Royal Bank of Scotland -Natwest One panel?
Royal Bank of Scotland -Natwest One’s conveyancing panel is substantial so your best bet is just 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.
I am purchasing a newly constructed flat and my conveyancer is advising me that she is duty bound to disclose incentives from the developer as her practice is on the Royal Bank of Scotland -Natwest One conveyancing panel. The Estate Agents are hassling me to sign contracts and my preference is not to prolong the conveyancing. Is my lawyer right?
You should not exchange unless you have advised to do so by your lawyer. 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). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Do all the firms listed on your search have online case tracking as I was under the impression that this was a precondition of being on the Royal Bank of Scotland -Natwest One solicitor panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I was due to move into my flat last Friday. My lawyer’s firm is on the Royal Bank of Scotland -Natwest One solicitors panel but has moved offices 8 weeks ago and had not informed Royal Bank of Scotland -Natwest One of their new address. Royal Bank of Scotland -Natwest One is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Royal Bank of Scotland -Natwest One branch or your mortgage broker to see if they can help.
We are getting a further advance on our mortgage from Royal Bank of Scotland -Natwest One as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Royal Bank of Scotland -Natwest One conveyancing panel to deal with the paperwork?
Royal Bank of Scotland -Natwest One would not normally appoint a member of their conveyancing panel 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 Royal Bank of Scotland -Natwest One list
After shopping around on the internet I have found a solicitor having checked that they are on the Royal Bank of Scotland -Natwest One conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Royal Bank of Scotland -Natwest One conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Royal Bank of Scotland -Natwest One will need an independent valuation of the property. Your lawyer will not arrange this. Usually Royal Bank of Scotland -Natwest One will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Royal Bank of Scotland -Natwest One you could contact your them to see if they have a list of approved surveyors.
My ex -wife’s name is on the Royal Bank of Scotland -Natwest One mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Royal Bank of Scotland -Natwest One mortgage in order to sell?
As regards the Royal Bank of Scotland -Natwest One mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Royal Bank of Scotland -Natwest One in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.