About Lexure Contact us

Sainsbury's Bank Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

Card image cap
How can my firm apply to be on the Sainsbury's Bank Conveyancing Panel?
Check your firm’s panel Status
Card image cap
How can my firm be reinstated onto the Sainsbury's Bank 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 management tool.

This software optimises the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on Sainsbury's Bank’s changes. While using this technology is not a condition for acceptance on the Sainsbury's Bank panel, demonstrating you can stay up to date with Sainsbury's Bank’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, protect your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces compliance and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by Sainsbury's Bank

Banks and building societies often change their requirements. The UK Finance Lenders’ Handbook requirements from Sainsbury's Bank 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, Sainsbury's Bank has made 130 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 21.0 days. In total, 57% of the sections of P2 of the UK Finance Lenders’ Handbook for Sainsbury's Bank have been changed since 15/12/2008.

To find out more about lender panel compliance,
Book a Personalised Demo

Frequently asked questions relating to the Sainsburys Bank Conveyancing Panel from members of the public

I need to swap lawyers as my lawyer is not on the Sainsburys Bank panel of conveyancing solicitors. Is it practical to instruct different lawyers?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
My conveyancer has uncovered a difference between the information in Sainsburys Bank’s valuation survey and what is in the title deeds. My lawyer has advised that as he is on the Sainsburys Bank conveyancing panel he is duty bound to check that the lender is happy with this discrepancy and is content go ahead. Is my lawyer’s approach legitimate?
A precondition to being on the Sainsburys Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Sainsburys Bank) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I note that you have a post code search directory identifying firms on the Sainsburys Bank conveyancing panel. Do firms pay you a referral fee if I appoint them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Sainsburys Bank conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
My aunt passed away six months ago and as sole heir and executor was left the house. The house had a relatively small loan left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to Sainsburys Bank , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Sainsburys Bank will insist on your using a conveyancer on the Sainsburys Bank conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Sainsburys Bank conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Sainsburys Bank mortgage is registered as a charge at the Land Registry.
I had instructed online conveyancers located in Cardiff who are on the Sainsburys Bank solicitor panel. They are now charging me a separate fee of £175 for dealing with the Sainsburys Bank mortgage. Is this a supplemental conveyancing fee set by Sainsburys Bank?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Sainsburys Bank but by your lawyers. Some firms on the Sainsburys Bank will charge an ‘acting for lender’ fee and others do not.
Can I be sure that the solicitor on the Sainsburys Bank panel is any good?
seeking recommendations is a good starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor carrying out your conveyancing
After shopping around on the internet I have found a solicitor having checked that they are on the Sainsburys Bank conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Sainsburys Bank conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Sainsburys Bank will need an independent valuation of the property. Your lawyer will not arrange this. Usually Sainsburys Bank will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Sainsburys Bank you could contact your them to see if they have a list of approved surveyors.

Copyright © Lexsure Limited, 2025

Privacy