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

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. COMPLETIONmonitor is a unique risk management tool.

This system optimises the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Royal Bank of Scotland -Natwest One’s changes. Notwithstanding that utilising the software is not a condition for being on the Royal Bank of Scotland -Natwest One panel, demonstrating you can stay up to date with Royal Bank of Scotland -Natwest One’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces compliance and CQS reports, and will increase 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 Royal Bank of Scotland -Natwest One

Lenders often vary 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.

To find out more about lender panel compliance,

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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 approved 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
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?
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 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
6.7.4 13/01/2015 CML
New Build Conveyancing
The Royal Bank of Scotland plc Natwest One Account panel 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
5.5.1a 01/12/2014 CML
requirements in terms of time for planning consents
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium

Last update 08/09/2019

FAQs : The Royal Bank of Scotland -Natwest One Solicitor Panel from members of the public

My Solicitor is not on the Royal Bank of Scotland -Natwest One Approved Panel. Can I still continue with my preferred solicitor even though they are excluded from the Royal Bank of Scotland -Natwest One panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Royal Bank of Scotland -Natwest One mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Royal Bank of Scotland -Natwest One conveyancing panel additional costs will be incurred as separate legal representation will be required by Royal Bank of Scotland -Natwest One. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Please help. My conveyancer is advising me that he is legally obliged to order a Local Authority search stemming from the fact that the firm are on the Royal Bank of Scotland -Natwest One solicitor panel. Do I not have a choice here?
You have limited options available to you. Given that you are taking out a loan with Royal Bank of Scotland -Natwest One your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Royal Bank of Scotland -Natwest One’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Royal Bank of Scotland -Natwest One. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I am looking for competitive conveyancing fees. Can I be sure that all the practices that are identified on your directory are on the Royal Bank of Scotland -Natwest One conveyancing panel?
The law firms listed on our site have advised us that they are on the Royal Bank of Scotland -Natwest One panel and agreed to advise us to take down their listing in the event of removal off of the Royal Bank of Scotland -Natwest One panel. To date we have not been informed by either a mortgage company or a member of the public that the data about a specific firm being on the Royal Bank of Scotland -Natwest One conveyancing panel is not accurate.
My uncle passed away last year and as sole heir and executor was left the house. The house had a small mortgage remaining of approximately £5k. I want to transfer the title deeds 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.
Are all Conveyancing Quality Solicitors on the Royal Bank of Scotland -Natwest One conveyancing panel?
It is true that some lenders now use the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of conveyancing solicitors.
Is it the case that all solicitor practices on the Royal Bank of Scotland -Natwest One conveyancing panel regulated by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Royal Bank of Scotland -Natwest One conveyancing panel they would need to be regulated by the SRA. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Royal Bank of Scotland -Natwest One. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Royal Bank of Scotland -Natwest One you will need to appoint a solicitor on the Royal Bank of Scotland -Natwest One conveyancing panel.