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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 PI insurers. It is a unique risk mitigation tool.

This software is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Royal Bank of Scotland’s changes. While using the software is not a prerequisite for Royal Bank of Scotland , demonstrating you can remain up to date with Royal Bank of Scotland’s Handbook requirements is an excellent support to your panel application and, more importantly, protect your panel standing.

The system creates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by Royal Bank of Scotland

Mortgage companies 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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Frequently asked questions relating to the Royal Bank of Scotland Conveyancing Panel from members of the public

The solicitor I had intended to instruct on a purchase said she will levy higher legal fees if my lender is because of their difficult processes! Am I likely to be frustrated using Royal Bank of Scotland? Is Royal Bank of Scotland conveyancing so much more difficult?
Royal Bank of Scotland conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Royal Bank of Scotland conveyancing panel. If they are not, this does add further risk of delay as Royal Bank of Scotland will appoint their own solicitors to look after their interest.
Our lawyer has uncovered a legal deficiency with the lease for the apartment we are purchasing. The other side have offered defective title insurance as a workaround. We are content with insurance and will cover the costs. Our solicitor has advised that as he is on the Royal Bank of Scotland conveyancing panel he must check that the lender is happy with this solution. Are we the client or is Royal Bank of Scotland?
Just because you have a mortgage offer from Royal Bank of Scotland does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Royal Bank of Scotland are the client. The appropriate lender requirements must be adhered to by the Royal Bank of Scotland conveyancing panel who has to balance acting for you and Royal Bank of Scotland
I am searching for online conveyancing estimates. Can I be sure that all the firms that are listed on your directory are on the Royal Bank of Scotland conveyancing panel?
The law firms on our directory have advised us that they are on the Royal Bank of Scotland panel and agreed to advise us to take down their listing in the event of removal off of the Royal Bank of Scotland panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the Royal Bank of Scotland conveyancing panel is incorrect.
My conveyancers in London have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with Royal Bank of Scotland. Is it case that being on the Royal Bank of Scotland conveyancing panel they need to have retained the file for a number of years?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Royal Bank of Scotland Conveyancing Panel Terms. It might be worth you contacting Royal Bank of Scotland directly.
My husband and I are in the throws of looking at flats 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
You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use 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 agreed with Royal Bank of Scotland. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have 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 had an offer accepted on an apartment on the 6th March 2014, valuation was booked 3 days after, all came back fine. Property lawyer appointed, so the only thing outstanding was my mortgage offer. Having made daily calls to Royal Bank of Scotland and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Royal Bank of Scotland conveyancing panel. Are Royal Bank of Scotland entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Royal Bank of Scotland to deal with your lawyers application to be on the Royal Bank of Scotland conveyancing panel. There's no guarantee that your solicitors will be accepted.

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