Rooftop Mortgages Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and professional indemnity insures. COMPLETIONmonitor is a unique risk mitigation tool.

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

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. It is also user friendly, cost-effective and, for many firms, results in reduced PII premiums.

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Banks and building societies frequently 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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Rooftop Mortgages Conveyancing Panel Sample Enquires to our Call Center from members of the public

The conveyancer my fiance and I had intended to instruct on a purchase said she would charge more if my lender is due to their unusual legal requirements. Am I likely to be frustrated 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.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Rooftop Mortgages will not agree to this. Why was Rooftop Mortgages even consulted?
Your lawyer being on the Rooftop Mortgages conveyancing panel is duty bound to inform Rooftop Mortgages of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Rooftop Mortgages then they would have to discontinue acting for you and Rooftop Mortgages.
How do I search for a local solicitor on the Rooftop Mortgages conveyancing panel? I have a car and am prepared to travel up to 10 miles to meet the lawyer.
Feel free to make use of the find a conveyancing panel tool on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Rooftop Mortgages solicitor panel.
I am trying to get my ex-husband removed the mortgage deeds. Can Rooftop Mortgages really insist on which solicitor I can or can not use?
You can use any solicitor you like but Rooftop Mortgages then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Rooftop Mortgages solicitors panel
I had instructed online conveyancers based in Birmingham who are on the Rooftop Mortgages solicitor panel. They have just invoiced me a separate fee of £175 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.
Do most banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Rooftop Mortgages conveyancing panel requirements are different to Rooftop Mortgages’s conveyancing panel requirements.
I have instructed a lawyer having made sure that they are on the Rooftop Mortgages conveyancing panel. Does my lawyer arrange the survey of the property? Or I've read lots of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Rooftop Mortgages conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Rooftop Mortgages will need an independent valuation of the property. Your lawyer will not arrange this. Usually Rooftop Mortgages will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Rooftop Mortgages you could contact your them to see if they have a list of approved surveyors.