Rooftop Mortgages 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 system facilitates the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Rooftop Mortgages’s changes. Even though utilising the tool is not a prerequisite for Rooftop Mortgages , demonstrating you can remain up to date with Rooftop Mortgages’s Handbook requirements is an excellent support to your panel application and, just as importantly, protect your firm’s panel status.

The system generates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Rooftop Mortgages

Mortgage companies frequently vary 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, frequently:

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.

To find out more about lender panel compliance,

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Frequently asked questions relating to the Rooftop Mortgages Solicitor Panel from members of the public

The conveyancer my husband and I wanted to use for conveyancing on a remortgage said she will levy higher legal fees if my lender is due to their unusual legal requirements. Will I regret using Rooftop Mortgages? Any comments will be appreciated
Rooftop Mortgages conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Rooftop Mortgages conveyancing panel. If they are not, this does add further risk of delay as Rooftop Mortgages will appoint their own solicitors to look after their interest.
Our conveyancer has uncovered a legal deficiency with the lease for the property we are purchasing. The other side have suggested title insurance as a solution. We are happy with insurance and will cover the costs. Our solicitor has advised that as he is on the Rooftop Mortgages conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Rooftop Mortgages?
Just because you have a mortgage offer from Rooftop Mortgages does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Rooftop Mortgages are the client. The appropriate lender requirements have to be complied with by the Rooftop Mortgages conveyancing panel who has to balance acting for you and Rooftop Mortgages
Do I need to have a meeting at the offices of the Rooftop Mortgages conveyancing panel solicitor to sign the legal charge? If so, I will choose one who does conveyancing in London so that I can pop in to their offices if required.
Most conveyancing panel lawyers for Rooftop Mortgages undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
My house is up for sale and I have a buyer. Does my solicitor have to be on the Rooftop Mortgages conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Rooftop Mortgages 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.
Is there a list of Rooftop Mortgages panel conveyancers on the Council of Mortgage Lender’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
is it true that all conveyancing solicitors on the Rooftop Mortgages conveyancing panel regulated by the SRA?
As a firm of solicitors, in order to be on the Rooftop Mortgages conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. 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 was told three weeks ago that my mortgage has been agreed to by Rooftop Mortgages. Is it usual for Rooftop Mortgages to only issue the offer once my solicitor is approved on their conveyancing panel?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Rooftop Mortgages to deal with your lawyers application to be on the Rooftop Mortgages conveyancing panel. There's no guarantee that your solicitors will be accepted.