Rooftop Mortgages Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system assists the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Rooftop Mortgages’s changes. Even though using this technology is not a condition for being on the Rooftop Mortgages panel, demonstrating you can stay up to date with Rooftop Mortgages’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, protect your panel standing.

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

Find a Law Firm approved by Rooftop Mortgages

Mortgage companies often 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, 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.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.1d 01/12/2014 CML
maximum excess re building insurance
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium
5.4.5 04/09/2014 CML
Conveyancing Searches: Personal Searches
Rooftop Mortgages Ltd panel lawyers clarification as to whether they accept personal searches and, if yes, the Rooftop Mortgages Ltd requirements
Local Search Indemnity Insurance
16.4.2 03/07/2012 CML
Tenancy Agreements
Does Rooftop Mortgages Ltd need to be sent a copy of the proposed tenancy?
10.2a 01/12/2010 CML
Mortgage Advance and Certificate of Title
Do Rooftop Mortgages Ltd send the mortgage advance electronically or by cheque?
17.2.1b 01/12/2010 CML
Evidence of Discharge of Mortgage
Do Rooftop Mortgages Ltd send the discharge via a DS 1 form or direct with the Land Registry?
5.15.2c 01/12/2010 CML
Leasehold Conveyancing : Management Company
Rooftop Mortgages Ltd approved lawyers leasehold conveyancing requirements : requirement as to whether a copy of the signed blank stock transfer form needs to be sent to them
5.15.2d 01/12/2010 CML
Leasehold Conveyancing : Management Company
Rooftop Mortgages Ltd panel lawyers leasehold conveyancing requirements : requirement as to whether a copy of the management company's memorandum and articles of association needs to be sent to them
17.1.1 13/10/2009 CML
Redemption Statements
Contact details at Rooftop Mortgages Ltd for approved lawyers to request redemption statements .

Last update 28/03/2020

Rooftop Mortgages Solicitor Panel Example Support Desk Enquires from members of the public

It has come to my attention via my broker that my the law firm I have appointed is not on the Rooftop Mortgages Solicitor panel. What can I do to be sure that this is correct?
The best course of action for you to take is to contact your lawyer directly. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they may recommend you to a firm that is on the the approved Rooftop Mortgages solicitor panel.
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.
I am purchasing a property and need a conveyancing solicitor in Leeds who is on the Rooftop Mortgages approved. Can you recommend a local firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Rooftop Mortgages . We don’t recommend any particular firm.
I am purchasing a semi-detached house and getting a mortgage with Rooftop Mortgages. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Rooftop Mortgages conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Rooftop Mortgages conveyancing panel in your location.
Is it the case that all conveyancing lawyers on the Rooftop Mortgages conveyancing panel work on a no move no charge basis?
There is generally no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
I can not work out if my mortgage offer requires a lease extension . I have called Rooftop Mortgages on various occasions and told it wasn't a problem and they would lend. My solicitor - who is on the Rooftop Mortgages conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
Your lawyer has to follow the CML Handbook Part 2 requirements for Rooftop Mortgages. Unless your lawyer obtains specific confirmation in writing that Rooftop Mortgages will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Rooftop Mortgages to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
My offer on house has been accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What should be my next step? At what point should I appy for the mortgage with Rooftop Mortgages?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Rooftop Mortgages conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Rooftop Mortgages and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.