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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?
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How can my firm be reinstated onto the Scottish Widows Conveyancing Panel?
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Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. It is a unique risk mitigation tool.

This software optimises the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Scottish Widows’s changes. Even though using 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, protect your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces SRA 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 716 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 Solicitor Panel Recently Asked Questions from members of the public

My Solicitor is not listed on the Scottish Widows Solicitor Panel. Can I still continue with my family solicitor even though they are not on the Scottish Widows panel?
The most common options here are as follows:
  1. Carry on with your existing solicitors but Scottish Widows will need to instruct a lawyer on the Scottish Widows conveyancing panel. This will result in additional cost and potential delay.
  2. Get a new solicitor to act in the purchase, obviously checking they are on the Scottish Widows conveyancing panel.
  3. Urge your lawyer to apply to join the Scottish Widows lender panel
We are getting closer to an exchange and my mum and dad having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Scottish Widows. Apparently, being on the Scottish Widows conveyancing panel and acting on their behalf he must inform Scottish Widows if the balance of the mortgage advance is coming from anyone other than me. I advised the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for him to raise this?
Your lawyer is obliged to check with Scottish Widows to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Scottish Widows if you agree, failing which, your lawyer must cease to continue acting.
I require the services of a Scottish Widows panel solicitor in Belfast. 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. At a fee of one pound per month it is not expensive to register on the site
The lawyers that I appointed last week on my house acquisition in Newcastle has without warning closed. They were on acting for me because I had to have a solicitor on the Scottish Widows conveyancing panel and my family lawyer was not. I paid them £200 on account. What should be my next steps?
Assuming that you have an Estate Agent in the equation then inform them straight away so that they advise the vendors that there may be a slight delay due to the problems encountered. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the Scottish Widows conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers may be able to assist
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to move forward? I hope to get a mortgage with Scottish Widows. Is there anyway to cut out the solicitors to save on the costs? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Scottish Widows involved you will need to appoint a solicitor on the Scottish Widows conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Scottish Widows. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Scottish Widows conveyancing panel.
I have paid off my mortgage with Scottish Widows. I assume I don't need a solicitor on the Scottish Widows panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Scottish Widows mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Scottish Widows mortgage from the register. Scottish Widows,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Scottish Widows has sent the Land Registry the discharge electronically, and the Scottish Widows has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Scottish Widows mortgage has been paid off.
I currently have a mortgage with with Scottish Widows. Conveyancing was finalised a year ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Scottish Widows?
You must advise Scottish Widows before renting your property as this is likely to be a breach of Scottish Widows’s mortgage conditions. It may be that Scottish Widows will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Scottish Widows directly. It should not be necessary to do this via a Scottish Widows conveyancing panel solicitor.

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