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Scottish Building Society 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 Scottish Building Society Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Scottish Building Society Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This software facilitates the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Scottish Building Society’s changes. While utilising this technology is not a prerequisite for Scottish Building Society , demonstrating you can stay up to date with Scottish Building Society’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Scottish Building Society

Mortgage companies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Scottish Building Society 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, Scottish Building Society has made 330 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 8.3 days. In total, 95% of the sections of P2 of the UK Finance Lenders’ Handbook for Scottish Building Society have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Scottish Building Society Conveyancing Panel Recently Asked Questions from members of the public

My financial adviser has informed me that I have to pay Scottish Building Society fees if I use my own solicitor. How good are the Scottish Building Society conveyancing panel solicitors? I dont care which law firm I use as long as they're good and reasonably priced. Would you recommend a specific law firm on the Scottish Building Society panel?
Scottish Building Society’s conveyancing panel is pretty large so your best bet is just to check with the firms you are getting quotes from that they are on the panel. You can search by postcode on the search tool on this site to find solicitors that Scottish Building Society will allow to act for them.
Please help. My lawyer is advising me that he has to order a Local Authority search because the firm are on the Scottish Building Society solicitor panel. Is this really necessary?
You have limited options available to you. Given that you are taking out a loan with Scottish Building Society 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 Scottish Building Society’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Scottish Building Society. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Do all the firms listed on your directory have online case tracking as I understood that this was a condition of being on the Scottish Building Society conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
My solicitors in Birmingham have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with Scottish Building Society. Is it case that being on the Scottish Building Society conveyancing panel they need to have retained the file for a prescribed period?
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 Scottish Building Society Conveyancing Panel Terms. It might be worth you contacting Scottish Building Society directly.
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Scottish Building Society conveyancing panel?
Some major lenders now use CQS as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their panels.
In what circumstances might Scottish Building Society amend or withdraw their mortgage offer?
Banks and Building Societies such as Scottish Building Society can revoke their mortgage offer although this rarely happens. should Scottish Building Society withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are a few examples:
  • If the borrower informs Scottish Building Society of a change in the loan amount agreed
  • Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
  • Where to proceed with the Mortgage offer would be unlawful
  • Following advice from the property assessor on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
  • If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
My fiance and I are at the point of looking at apartments and am about to put in an offer. Is it best to have a conveyancer on ‘stand by’? I will be getting a mortgage with Scottish Building Society
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 Scottish Building Society , make sure you remember to check that your lawyer is on the Scottish Building Society conveyancing panel.

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