Royal Bank of Scotland 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 software is the only way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on Royal Bank of Scotland’s changes. Notwithstanding that using the software is not a prerequisite for Royal Bank of Scotland , demonstrating you can stay up to date with Royal Bank of Scotland’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your firm’s panel standing.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Royal Bank of Scotland

Banks and building societies frequently change 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 571 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 4.8 days. In total, 66% 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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Recent Changes Include

# Date Assoc. Changes Related To
4.1 25/07/2019 CML
17.1.1 19/02/2019 CML
16.4.1 15/11/2018 CML
16.5.3a 15/11/2018 CML
17.2.1a 15/11/2018 CML
6.4.4 05/09/2018 CML
1.11a 03/09/2018 CML
3.2.3 03/09/2018 CML
4.5b 03/09/2018 CML
4.5b 21/03/2018 CML

Last update 21/03/2020

Common questions asked concerning the Royal Bank of Scotland Conveyancing Panel from members of the public

My financial adviser has asked me for my lawyer’ panel reference for the Royal Bank of Scotland conveyancing panel. Can you suggest how I obtain this. I have contacted my local Royal Bank of Scotland branch but they have not got back to me yet.
You are best placed to get this information from your conveyancing lawyer. They should have a central record lender panel numbers including the Royal Bank of Scotland panel reference.
Please help. My conveyancer is advising me that he has to conduct a Local Authority search because the firm are on the Royal Bank of Scotland conveyancing panel. Do I not have a choice here?
You have limited options available to you. Given that you are taking out a loan with Royal Bank of Scotland your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Royal Bank of Scotland’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Royal Bank of Scotland. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I see that you have a post code search directory listing solicitors on the Royal Bank of Scotland conveyancing panel. Do firms pay you a commission if I retain them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the Royal Bank of Scotland conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
Can you clarify what the consequences are if my solicitor is suspended from the Royal Bank of Scotland Solicitor panel before 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 am buying a property where the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Royal Bank of Scotland be concerned
Given that your lender is Royal Bank of Scotland your lawyer must to check the Royal Bank of Scotland conveyancing instructions contained in the Part of CML Handbook for Royal Bank of Scotland . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Royal Bank of Scotland where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
We expect to receive a DIP from Royal Bank of Scotland this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the Royal Bank of Scotland recommend a solicitor on the Royal Bank of Scotland conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Royal Bank of Scotland conveyancing panel. The solicitor represents both you and the Royal Bank of Scotland through the process.
I have today made my last payment due on mortgage with Royal Bank of Scotland. I assume I don't need a solicitor on the Royal Bank of Scotland panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Royal Bank of Scotland mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Royal Bank of Scotland mortgage from the register. Royal Bank of Scotland,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Royal Bank of Scotland has sent the Land Registry the discharge electronically, and the Royal Bank of Scotland has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Royal Bank of Scotland mortgage has been paid off.