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Royal Bank of Scotland -Natwest One 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 Royal Bank of Scotland -Natwest One Conveyancing Panel?
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COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers. It is a unique risk management tool.

This software optimises the way you can demonstrate 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. While using COMPLETIONmonitor 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, just as importantly, protect your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, 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 frequently 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, over time:

A Timeline of Policy Changes


Since 2008, Royal Bank of Scotland -Natwest One has made 927 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.9 days. In total, 55% 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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Frequently asked questions relating to the Royal Bank of Scotland -Natwest One Solicitor Panel from members of the public

I need to swap lawyers as my lawyer is not on the Royal Bank of Scotland -Natwest One panel of conveyancing solicitors. Is it advisable to appoint a new law firm?
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 conveyancer has uncovered an inconsistency when comparing the assumptions in Royal Bank of Scotland -Natwest One’s home valuation report and what is in the conveyancing documents. My solicitor informs me that as he is on the Royal Bank of Scotland -Natwest One conveyancing panel he is obliged to check that the lender is happy with this discrepancy and is content go ahead. Is my conveyancer’s stance correct?
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 do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
I need to find a Royal Bank of Scotland -Natwest One panel solicitor in Belfast. Could you help me?
Unfortunately it’s not apparent 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
My house is up for sale and I have a buyer. Does my solicitor have to be on the Royal Bank of Scotland -Natwest One conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Royal Bank of Scotland -Natwest One conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Why might a lender such as Royal Bank of Scotland -Natwest One withdraw a mortgage offer?
Banks and Building Societies such as Royal Bank of Scotland -Natwest One can revoke their mortgage offer although this is unusual. should Royal Bank of Scotland -Natwest One 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 5 examples:
  • Where information comes to Royal Bank of Scotland -Natwest One ‘s attention regarding the customers or the security that they were not aware of prior to offer that affects their original decision to lend
  • Royal Bank of Scotland -Natwest One may amend or withdraw an offer if the Royal Bank of Scotland -Natwest One conveyancing panel solicitor is unable to confirm compliance with any of the conditions of the mortgage offer or if any of the terms of the mortgage offer cannot be satisfied
  • Many mortgage offers have an expiry date. Your lawyer should check this. Royal Bank of Scotland -Natwest One may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
  • If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;
  • If the solicitor on the Royal Bank of Scotland -Natwest One conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with Royal Bank of Scotland -Natwest One ‘s instructions
I am currently in the process of buying my council flat. I have a mortgage offer with Royal Bank of Scotland -Natwest One. Conveyancing is not something I have any knowledge of. 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.
I am selling my flat. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Royal Bank of Scotland -Natwest One are being a right pain. The solicitor who is on the Royal Bank of Scotland -Natwest One conveyancing panel is saying indemnity insurance will be fine but Royal Bank of Scotland -Natwest One are requiring a building regulation certificate. Why do Royal Bank of Scotland -Natwest One have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Royal Bank of Scotland -Natwest One have referred the matter to their valuer. The reason why Royal Bank of Scotland -Natwest One 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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