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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 web-based pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. It is a unique risk mitigation tool.

This system is the only way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on Royal Bank of Scotland’s changes. Notwithstanding that using COMPLETIONmonitor is not a condition for being 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, just as importantly, safeguard your firm’s panel standing.

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

Find a Law Firm approved by Royal Bank of Scotland

Lenders frequently 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, frequently:

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.

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FAQs : The Royal Bank of Scotland Conveyancing Panel from members of the public

It has come to my attention via my broker that my solicitor is not on the Royal Bank of Scotland Conveyancing panel. What can I do to be sure that this is correct?
The first thing you need to do is to contact your lawyer directly. It is reasonable to expect your lawyer to advise you of the situation. If they are not on the panel they may recommend you to a firm that is on the the approved Royal Bank of Scotland solicitor panel.
Our lawyer has informed me that he requires personal identification documents asserting that this forms part of his obligations as a solicitor on the Royal Bank of Scotland Solicitor panel. Am I being spun a yarn?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with Royal Bank of Scotland your lawyer also has to check ID documents to satisfy Royal Bank of Scotland
Do I need to visit the offices of the Royal Bank of Scotland conveyancing panel solicitor to sign the legal charge? If so, I will choose one who does conveyancing in London so that I can attend their offices if required.
Most conveyancing panel lawyers for Royal Bank of Scotland undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
I am remortgaging my property does my lawyer have to be on the Royal Bank of Scotland Conveyancing panel?
In theory, you could use a solicitor that is not on Royal Bank of Scotland conveyancing panel, but Royal Bank of Scotland would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
Is there a list of Royal Bank of Scotland panel conveyancers on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
What are the common reasons for a lender such as Royal Bank of Scotland to withdraw a mortgage offer?
Lenders such as Royal Bank of Scotland can withdraw their mortgage offer although this is unusual. If Royal Bank of Scotland withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are various possible reasons but here are 5 examples:
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
  • Where the sale is not at arms length for value to unconnected persons
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
  • If the solicitor on the Royal Bank of Scotland conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with Royal Bank of Scotland ‘s instructions
I recently had an offer accepted on a house. My financial adviser recommended their conveyancers I paid an upfront payment of 200. Soon after the conveyancers contacted me to say that they were not on the Royal Bank of Scotland conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Royal Bank of Scotland panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

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