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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. COMPLETIONmonitor is a unique risk mitigation tool.

This system is the only way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Royal Bank of Scotland’s changes. Even though utilising 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 a helpful support to your application to their lender panel and, just as importantly, safeguard your panel standing.

The software creates real-time alerts, automatically produces regulatory and CQS reports, and will increase 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 often 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, 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.

To find out more about lender panel compliance,
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Q and A’s regarding the Royal Bank of Scotland Conveyancing Panel from members of the public

I am in the process of selling my flat and the EA has just texted me to say that the buyers are swapping solicitor. The excuse is that Royal Bank of Scotland will only work with property lawyers on their conveyancing panel. On what basis would a big named lender only deal with specific solicitors?
Lenders have always had panels of law firms they are willing to work with, but in the past few years big names such as Lloyds Banking Group, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for more than 15 years.

Banks blame a rise in fraud by way of justification for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is being contacted daily by practices that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

I am purchasing a newly constructed duplex and my solicitor is telling me that she has to disclose incentives from the seller as her firm is on the Royal Bank of Scotland conveyancing panel. I am nearing the developer’s deadline to sign contracts and I have no desire to delay matters. Is my lawyer right?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Royal Bank of Scotland approved panel is to comply with the CML Handbook requirements (last updated for this lender on Royal Bank of Scotland). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I require the services of a Royal Bank of Scotland panel solicitor in Belfast. Can you assist?
Unfortunately it’s not apparent 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. At a fee of one pound per month it is not expensive to register on the site
I am buying a right to buy flat and getting a mortgage with Royal Bank of Scotland. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Royal Bank of Scotland conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Royal Bank of Scotland conveyancing panel in your location.
Last month we had a mortgage agreed in principle with Royal Bank of Scotland. Solicitors have been appointed? What is the average time that one could expect to receive a mortgage offer from Royal Bank of Scotland?
There is no definitive answer here. Have Royal Bank of Scotland conducted the survey? Have you advised Royal Bank of Scotland as your lawyers details and checked that your lawyer is on the Royal Bank of Scotland conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
My husband and I are at the point of looking at apartments and am about to put in an offer. Should I already have a conveyancer appointed at this stage? I will be getting a mortgage with Royal Bank of Scotland
You should start obtaining conveyancing quotes from solicitors ASAP. 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 , make sure you remember to check that your lawyer is on the Royal Bank of Scotland conveyancing panel.
Intending to buy a house with a mortgage with Royal Bank of Scotland. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Royal Bank of Scotland conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Royal Bank of Scotland conveyancing panel

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