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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

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 system assists the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on Scottish Widows’s changes. While using the tool is not a prerequisite for Scottish Widows , demonstrating you can remain up to date with Scottish Widows’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, protect your panel status.

The software generates real-time alerts, automatically produces COLP and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Scottish Widows

Lenders often change 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, frequently:

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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Common questions asked concerning the Scottish Widows Conveyancing Panel from members of the public

I am expecting a mortgage with Scottish Widows. my intention is to employ the services of a Licensed Conveyancer. Does the Scottish Widows Conveyancing panel exclude Licensed Conveyancers
Scottish Widows’s conveyancing panel is, like many other lenders represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Can you clarify something for me?. My lawyer is not to blame but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Scottish Widows was issued random date and we have agreed a date for me to move into the property on 6. My solicitor says that as she is on the Scottish Widows conveyancing panel she needs to redo the searches as they are no longer valid.
A precondition to being on the Scottish Widows approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Scottish Widows)which specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Scottish Widows.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Scottish Widows conveyancing panel. My lawyer has said that they are on the Scottish Widows approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Scottish Widows conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Scottish Widows solicitor panel.
I am purchasing a terraced house and getting a mortgage with Scottish Widows. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Scottish Widows 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 Scottish Widows conveyancing panel in your location.
Is it the case that all conveyancing lawyers on the Scottish Widows conveyancing panel work on a no move no charge basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called into my local branch Scottish Widows on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Scottish Widows conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. I simply dont know who is right
As long as the conveyancer is on the Scottish Widows panel she or he must comply with the CML Handbook requirements for Scottish Widows. Unless your lawyer obtains specific confirmation in writing that Scottish Widows will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Scottish Widows to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
I am due to exchange contracts on my house. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Scottish Widows are being pedantic. The solicitor who is on the Scottish Widows conveyancing panel is saying indemnity insurance will be fine but Scottish Widows are requiring a building regulation certificate. Why do Scottish Widows have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Scottish Widows have referred the matter to their valuer. The reason why Scottish Widows may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.

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