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Rooftop Mortgages Conveyancing Lender Panel Compliance Tool

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How can my firm apply to be on the Rooftop Mortgages Conveyancing Panel?
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COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by 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 stay fully compliant with their requirements, with alerts on Rooftop Mortgages’s changes. While utilising COMPLETIONmonitor 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 an excellent support to your application to their lender panel and, just as importantly, safeguard your panel standing.

COMPLETIONmonitor creates 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 reduced PII premiums.

Find a Law Firm approved by Rooftop Mortgages

Banks and building societies 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, over time:

A Timeline of Policy Changes


Since 2008, Rooftop Mortgages has made 404 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 6.8 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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Examples of recent questions relating to the Rooftop Mortgages Solicitor Panel from members of the public

I am getting a mortgage with Rooftop Mortgages. I would like to instruct a Licensed Conveyancer. Does the Rooftop Mortgages Conveyancing panel allow for Licensed Conveyancers
Rooftop Mortgages’s conveyancing panel is, like many other lenders associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
My lawyer has identified a difference between the assumptions in Rooftop Mortgages’s valuation survey and what is revealed within the conveyancing documents. My lawyer says that as he is on the Rooftop Mortgages conveyancing panel he must check that the lender is OK with this discrepancy and is still content to lend. Is my lawyer’s stance correct?
A precondition to being on the Rooftop Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on Rooftop Mortgages) 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 you.
Do all the licensed conveyancers and solicitor practices 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?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
My aunt passed away 10 months ago and as sole heir and executor was left the house. The house had a relatively small loan left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Rooftop Mortgages , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Rooftop Mortgages will insist on your using a conveyancer on the Rooftop Mortgages conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Rooftop Mortgages conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Rooftop Mortgages mortgage is registered as a charge at the Land Registry.
I am selling my flat. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Rooftop Mortgages are being problematic. The solicitor who is on the Rooftop Mortgages conveyancing panel is recommending indemnity insurance as a solution but Rooftop Mortgages are requiring 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.
Rooftop Mortgages have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Rooftop Mortgages or your broker and complete any relevant paperwork. Rooftop Mortgages will tell you what documents they want. Rooftop Mortgages will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Rooftop Mortgages will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
Sometime soon me and my wife are remortgaging a terraced house in Hendon. Conveyancing solicitors in Hendon need to beretained. My fatherrecommended that we check that the conveyancer in Hendon is on the Rooftop Mortgages solicitors panel. Surely I don't need to do this, do I?
Far from all Hendon conveyancing solicitors are on the Rooftop Mortgages conveyancing panel. 5 people a month use our search tool to locate a Hendon conveyancing practitioner on the on the Rooftop Mortgages panel.

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