Rooftop Mortgages 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 system optimises the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Rooftop Mortgages’s changes. Notwithstanding that using the tool is not a condition for acceptance on the Rooftop Mortgages panel, demonstrating you can stay up to date with Rooftop Mortgages’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your firm’s panel status.

The software creates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, leads to a PII saving.

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Lenders often change their requirements. The UK Finance Lenders’ Handbook requirements from Rooftop Mortgages 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, Rooftop Mortgages has made 62 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 44.0 days. In total, 25% of the sections of P2 of the UK Finance Lenders’ Handbook for Rooftop Mortgages have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
6.14.1a 01/12/2014 CML
contact point if property is not insured in accordance with lender requirement
6.14.1d 01/12/2014 CML
maximum excess re building insurance
6.14.2 01/12/2014 CML
requirement that all insurance risks are included
6.14.3 01/12/2014 CML
notification of non-renewal/cancellation for buildings insurance policy
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium
17.2.1b 12/07/2013 CML
Evidence of Discharge of Mortgage
Do Rooftop Mortgages Ltd send the discharge via a DS 1 form or direct with the Land Registry?
10.9 01/12/2010 CML
Mortgage Advance and Certificate of Title
Do Rooftop Mortgages Ltd have a specific contact point if completion is delayed for their conveyancing panel?
5.14.1 01/12/2010 CML
Leasehold Conveyancing
Rooftop Mortgages Ltd approved lawyers leasehold conveyancing requirements : minimum unexpired lease term
5.5.1b 01/12/2010 CML
conveyancing requirements in terms of time for building regulation consents
17.1.1 13/10/2009 CML
Redemption Statements
Contact details at Rooftop Mortgages Ltd for approved lawyers to request redemption statements .

Last update 29/11/2019

Q and A’s regarding the Rooftop Mortgages Conveyancing Panel from members of the public

What is the rationale as to why all UK lawyers are not on the Rooftop Mortgages Solicitor panel?
Mortgage companies point to the fact that solicitor-led fraud is thought to be responsible for millions of pounds of fraud every year. The removal of law firms off of lender panels started with the rise in mortgage fraud, which prompted a thematic review by the Financial Services Authority in 2011. Its outcome included recommendations for lenders to review their conveyancing panels, which kicked off a major policy change in the sector. It led to banks and building societies purging less reputable firms off their books
My husband and I intend to remortgage our maisonette with Rooftop Mortgages. We have a son 18 who lives with us. The solicitor on the Rooftop Mortgages conveyancing panel has asked us to disclose any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the flat is forfeited by the lender. I have a couple of concerns (1) Is this document specific to the Rooftop Mortgages conveyancing panel as he never had to sign this form when we purchased 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your Rooftop Mortgages conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Rooftop Mortgages .This is solely used to protect the Rooftop Mortgages if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Rooftop Mortgages had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Do all the firms listed on your directory have online case tracking as I was under the impression that this was a precondition of being on the Rooftop Mortgages solicitor panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
My solicitors in Leeds have advised me that they can not locate my conveyancing file. At the time of my purchase I took out a mortgage with Rooftop Mortgages. Is it case that being on the Rooftop Mortgages conveyancing panel they need to have retained the file for a number of years?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Rooftop Mortgages Conveyancing Panel Terms. It might be worth you contacting Rooftop Mortgages directly.
I had instructed online conveyancers based in Bristol who are on the Rooftop Mortgages solicitor panel. They are now charging me a separate fee of £150 for the legal aspects of the Rooftop Mortgages mortgage. Is this a supplemental conveyancing fee specified by Rooftop Mortgages?
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 Rooftop Mortgages but by your lawyers. Some firms on the Rooftop Mortgages will charge an ‘acting for lender’ fee and others do not.
My wife and I have arranged a further advance on our mortgage from Rooftop Mortgages as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Rooftop Mortgages conveyancing panel to deal with the legals?
Rooftop Mortgages would not normally instruct a member of their approved list of lawyers 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 Rooftop Mortgages list
I am due to exchange contracts on my flat. I had a double glazing fitted in month 8 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Rooftop Mortgages are being difficult. The solicitor who is on the Rooftop Mortgages conveyancing panel is recommending indemnity insurance as a solution but Rooftop Mortgages are insisting on a building regulation certificate. Why do Rooftop Mortgages have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Rooftop Mortgages have referred the matter to their valuer. The reason why Rooftop Mortgages 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.