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

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers such as AmTrust. It is a unique risk mitigation tool.

This software assists the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Royal Bank of Scotland -Natwest One’s changes. Notwithstanding that using the software is not a prerequisite for Royal Bank of Scotland -Natwest One , demonstrating you can stay 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 panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces SRA and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for some firms, results in a PII saving.

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

Lenders 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, frequently:

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.

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Recent Changes Include

# Date Assoc. Changes Related To
5.7.1a 02/12/2016 CML
Flying Freeholds
The Royal Bank of Scotland plc Natwest One Account panel lawyers clarification as to whether they lend on flying freeholds
Flying Freehold Indemnity Insurance
5.7.1b 02/12/2016 CML
Freehold Flats
The Royal Bank of Scotland plc Natwest One Account approved lawyers clarification as to whether they lend on freehold flats
Flying Freehold Indemnity Insurance
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?
6.14.1 30/11/2015 CML
Building Insurance
The Royal Bank of Scotland plc Natwest One Account approved lawyers additional requirements concerning building insurance
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
3.1.6 01/12/2014 CML
verification of identity
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
6.14.1d 01/12/2014 CML
maximum excess re building insurance
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium

Last update 10/07/2019

Q and A’s regarding the Royal Bank of Scotland -Natwest One Solicitor Panel from members of the public

I instructed a firm of solicitors to carry out on my purchase six weeks ago having applied for a mortgage with Royal Bank of Scotland -Natwest One. The solicitors reassured me that they are on Royal Bank of Scotland -Natwest One conveyancing panel and gave me their panel reference. Royal Bank of Scotland -Natwest One then called me to say that their panel number was dormant and would need to be reactivated. What do I do from here? Should I appoint a new solicitor listed on the conveyancing panel for Royal Bank of Scotland -Natwest One?
You may be very frustrated with the lawyer but if it only go take a few more days they it may be worth waiting as, depending on how far progressed you are you may end up delaying the transaction by a number of weeks if you need to replace your solicitor You may wish to enlist the help of your broker to check with the Royal Bank of Scotland -Natwest One as to how long they think it will take to get the firm to get back on the panel.
Can you clarify something for me?. My lawyer is not to blame but, my purchase conveyancing has been going on for months. The Local Authority Search from Royal Bank of Scotland -Natwest One was issued random date and we have agreed a date for me to move into the property on 6. My solicitor informs me that as she is on the Royal Bank of Scotland -Natwest One conveyancing panel she needs to reorder the searches as they are no longer valid.
One of the many conditions to being on the Royal Bank of Scotland -Natwest One approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Royal Bank of Scotland -Natwest One)which states 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.
Your search tool is useful but there are many lawyers listed near Coventry on the Royal Bank of Scotland -Natwest One conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the conveyancing panel for Royal Bank of Scotland -Natwest One ?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
My aunt passed away last year and as sole heir and executor was left the property. The house had a small mortgage remaining of approximately £5k. I want to have the title changed into my name whilst I re-mortgage to Royal Bank of Scotland -Natwest One , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Royal Bank of Scotland -Natwest One will insist on your using a conveyancer on the Royal Bank of Scotland -Natwest One conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Royal Bank of Scotland -Natwest One conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Royal Bank of Scotland -Natwest One mortgage is registered as a charge at the Land Registry.
We are getting a further advance on our mortgage from Royal Bank of Scotland -Natwest One as we wish to carry out a loft conversion to 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 do not ordinarily instruct 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
I am buying a property where the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Royal Bank of Scotland -Natwest One be concerned
As you are obtaining a mortgage with Royal Bank of Scotland -Natwest One your lawyer must to check the Royal Bank of Scotland -Natwest One conveyancing instructions contained in the Part of CML Handbook for Royal Bank of Scotland -Natwest One . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Royal Bank of Scotland -Natwest One where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
Hi, thinking about buying a house off my mate. Once we agree a price, what’s the best way to move forward? I plan to obtain a mortgage with Royal Bank of Scotland -Natwest One. Is there anyway to cut out the solicitors to save us both money? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with Royal Bank of Scotland -Natwest One involved you will need to appoint a solicitor on the Royal Bank of Scotland -Natwest One conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Royal Bank of Scotland -Natwest One. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Royal Bank of Scotland -Natwest One conveyancing panel.