About Lexure Contact us

Scottish Widows Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

Card image cap
How can my firm apply to be on the Scottish Widows Conveyancing Panel?
Check your firm’s panel Status
Card image cap
How can my firm be reinstated onto the Scottish Widows Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This system facilitates the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Scottish Widows’s changes. Notwithstanding that using this technology is not a prerequisite for Scottish Widows , demonstrating you can stay 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.

The system creates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Scottish Widows

Banks and building societies 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 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.

To find out more about lender panel compliance,
Book a Personalised Demo

Scottish Widows Conveyancing Panel Recently Asked Questions from members of the public

For what reasons would a law firm be removed from the Scottish Widows approved conveyancing panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of solicitor practices had been excluded from a lender panel. The most common reasons in order are :
  1. Low volume of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by Scottish Widows
We are approaching an exchange and my mum and dad having sent 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 not just from me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for this now to be an issue?
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 need to find a Scottish Widows panel solicitor in Inverness. Could you help me?
It is not clear 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
I was supposed to complete on my flat yesterday. My solicitor is on the Scottish Widows conveyancing panel but has moved offices in the past couple of months and had not informed Scottish Widows of their new address. Scottish Widows has locked down the release of mortgage funds as the information from the solicitors isn't correct.
This is a rare situation indeed. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Scottish Widows branch or your mortgage broker to see if they can help.
How can we tell if a solicitor on the Scottish Widows panel is any good?
obtaining recommendations is a good starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor carrying out your transaction
After much negotiation I have agreed a price on an apartment. My financial adviser suggested a solicitor I paid an upfront payment of 175. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Scottish Widows conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Scottish Widows panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I am due to exchange contracts on my flat. I had a double glazing fitted in month 8 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Scottish Widows are being a right pain. The solicitor who is on the Scottish Widows conveyancing panel is saying indemnity insurance will be fine but Scottish Widows are insisting on 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.

Copyright © Lexsure Limited, 2026

Privacy