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

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity 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 instructions, with alerts on Scottish Widows’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a prerequisite for Scottish Widows , demonstrating you can remain up to date with Scottish Widows’s Handbook requirements is an excellent support to your panel application and, just as importantly, safeguard your firm’s panel status.

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

Find a Law Firm approved by Scottish Widows

Banks and building societies often vary their requirements. The UK Finance Lenders’ Handbook requirements from Scottish Widows 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 Widows has made 722 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 3.8 days. In total, 46% of the sections of P2 of the UK Finance Lenders’ Handbook for Scottish Widows have been changed since 15/12/2008.

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Scottish Widows Conveyancing Panel Sample Enquires to our Call Center from members of the public

It has come to my attention via my estate agent that my the law firm I have appointed is not on the Scottish Widows Conveyancing panel. What can I do to check?
The first thing you need to do is to contact your conveyancer. You lawyer should advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for Scottish Widows.
My lawyer has uncovered a discrepancy between the assumptions in Scottish Widows’s valuation survey and what is revealed within the title deeds. My solicitor says that as he is on the Scottish Widows conveyancing panel he is obliged to check that the lender is with this discrepancy and is content go ahead. Is my solicitor’s stance right?
A precondition to being on the Scottish Widows approved panel is to comply with the CML Handbook requirements (last updated for this lender on Scottish Widows) 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 both parties.
I require the services of a Scottish Widows panel solicitor in Stirling. Could you help me?
Unfortunately it’s not apparent why you need a Scottish Widows panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Scottish Widows to find out which solicitors in Scottish Widows are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
My lawyers in Liverpool have advised me that they can not locate my conveyancing file. At the time of my purchase I took out a mortgage with Scottish Widows. Is it case that being on the Scottish Widows conveyancing panel they need to have retained the file for a prescribed period?
It very much depends from lender to lender 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 Widows Conveyancing Panel Terms. It might be worth you contacting Scottish Widows directly.
We are getting a further advance on our mortgage from Scottish Widows as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Scottish Widows conveyancing panel to deal with the paperwork?
Scottish Widows do not ordinarily instruct firms on their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Scottish Widows list
I am currently in the process of buying my council flat. I have a mortgage offer with Scottish Widows. Conveyancing is not something I have any knowledge of. 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 Scottish Widows you will need to appoint a solicitor on the Scottish Widows conveyancing panel.
My offer on house has been accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What should be my next step? When should I get the mortgage app going with Scottish Widows?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Scottish Widows conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Scottish Widows and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.

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