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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 PI insurers. It 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. Notwithstanding that utilising the tool is not a condition for acceptance on the Scottish Widows panel, demonstrating you can stay up to date with Scottish Widows’s Handbook requirements is a helpful support to your panel application and, just as importantly, safeguard your firm’s panel standing.

COMPLETIONmonitor generates 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 some firms, leads to a PII saving.

Find a Law Firm approved by Scottish Widows

Mortgage companies 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, frequently:

A Timeline of Policy Changes


Since 2008, Scottish Widows has made 724 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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Q and A’s regarding the Scottish Widows Conveyancing Panel from members of the public

My financial adviser has says he needs my solicitor’s panel reference for the Scottish Widows conveyancing panel. What is the best way to obtain this. I have e-mailed my local Scottish Widows branch but they cant find it on their system.
You are best placed to get this information from your conveyancing lawyer. They should have a central record lender panel numbers including the Scottish Widows panel reference.
My lawyer has identified a difference between the assumptions in Scottish Widows’s home valuation report and what is revealed within the legal papers for the property. My solicitor has advised that as he is on the Scottish Widows conveyancing panel he is duty bound to ensure that the lender is happy with this discrepancy and is still content to lend. Is my conveyancer’s approach correct?
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 am looking to buy a house and need a conveyancing solicitor in Birmingham who is on the Scottish Widows conveyancing. Can you recommend a local solicitor?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Scottish Widows . We don’t recommend any particular firm.
The lawyers that I appointed last week on my purchase in Manchester has without warning closed. I only went with them because I had to have a firm on the Scottish Widows conveyancing panel and my family lawyer was not. I paid them £200 on account. What are my options?
Assuming that you have an Estate Agent in the equation then inform them straight away so that they can let the sellers know that there may be a slight delay due to the problems encountered. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to 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 should be in a position to help
We expect to receive a DIP from Scottish Widows this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the Scottish Widows recommend a solicitor on the Scottish Widows conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Scottish Widows conveyancing panel. The solicitor represents both you and the Scottish Widows through the process.
I'm at the point of looking at apartments and am about to put in an offer. Is it premature to have a solicitor in place? I intend to finance via a mortgage with Scottish Widows
It would be sensible to have your start your search soon rather than later. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with Scottish Widows , ask your prospective lawyers check they are on the Scottish Widows conveyancing panel otherwise they can't do the mortgage legal work.
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 in the pipeline. My conveyancing solicitor has been instructed. What should be my next step? At what point should I appy for the mortgage 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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