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Royal Bank of Scotland Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the Royal Bank of Scotland Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Royal Bank of Scotland Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. It is a unique risk mitigation tool.

This system facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Royal Bank of Scotland’s changes. Notwithstanding that utilising the software is not a condition for acceptance on the Royal Bank of Scotland panel, demonstrating you can stay up to date with Royal Bank of Scotland’s Handbook requirements is a helpful support to your panel application and, more importantly, safeguard your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. It is also user friendly, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by Royal Bank of Scotland

Banks and building societies often vary their requirements. The UK Finance Lenders’ Handbook requirements from Royal Bank of Scotland 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, Royal Bank of Scotland has made 989 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.8 days. In total, 69% of the sections of P2 of the UK Finance Lenders’ Handbook for Royal Bank of Scotland have been changed since 15/12/2008.

To find out more about lender panel compliance,
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FAQs for the Royal Bank of Scotland Conveyancing Panel from members of the public

On what basis would a law firm be removed from the Royal Bank of Scotland approved conveyancing panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of law firms had been removed from a lender panel. The most common reasons in order are :
  1. lack of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by Royal Bank of Scotland
Much to my surprise my property lawyer is asking me for ID documents stating that this forms part of his requirements as a conveyancer on the Royal Bank of Scotland Solicitor panel. Can you confirm whether this is the case?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that Royal Bank of Scotland also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with Royal Bank of Scotland CML Handbook requirements last updated on Royal Bank of Scotland
I require the services of a Royal Bank of Scotland panel solicitor in Inverness. Could you help me?
It is not clear why you need a Royal Bank of Scotland panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Royal Bank of Scotland to find out which solicitors in Royal Bank of Scotland are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
Can you clarify what the consequences are if my lawyer’s firm is suspended from the Royal Bank of Scotland Conveyancing panel in advance of the moving date as agreed at exchange of contracts?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
I'm in the throws of viewing houses and am about to put in an offer. Should I already have a conveyancer appointed at this stage? I will be getting a home loan with Royal Bank of Scotland
It would be sensible to have your start your search soon rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Royal Bank of Scotland , ask your prospective lawyers check they are on the Royal Bank of Scotland conveyancing panel otherwise they can't do the mortgage legal work.
I have decided to exercise my right to buy my property off the council. I have a mortgage offer with Royal Bank of Scotland. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Royal Bank of Scotland you will need to appoint a solicitor on the Royal Bank of Scotland conveyancing panel.
I currently have a mortgage with with Royal Bank of Scotland. Conveyancing was finalised a year ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Royal Bank of Scotland?
Royal Bank of Scotland must be informed of your intention in advance of renting your property as this is likely to be a breach of Royal Bank of Scotland’s mortgage conditions. It may be that Royal Bank of Scotland will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Royal Bank of Scotland directly. You need not do this via a Royal Bank of Scotland conveyancing panel lawyer.

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