Scottish Widows Conveyancing Lender Panel Compliance Tool

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COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Scottish Widows’s changes. Notwithstanding that using 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 application to their lender panel and, just as importantly, safeguard your firm’s panel standing.

The software generates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Scottish Widows

Mortgage companies frequently 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, over time:

A Timeline of Policy Changes


Since 2008, Scottish Widows has made 304 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 9.0 days. In total, 43% 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,

Scottish Widows Conveyancing Panel Example Support Desk Enquires from members of the public

I am getting a offer of a mortgage from Scottish Widows. my intention is to employ the services of a Licensed Conveyancer. Does the Scottish Widows Solicitor panel allow for conveyancers regulated by the CLC
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 CLC.
I am due to move into my new home next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for Scottish Widows. What risks do Scottish Widows expect the insurance to cover?
All property lawyers on the Scottish Widows conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Scottish Widows’s Part 2 requirements of the CML Handbook (last updated on Scottish Widows). Being on the Scottish Widows conveyancing panel your lawyer is expect to follow these instructions.
Are there any apps to help find a local solicitor on the Scottish Widows conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the conveyancer.
You can use the find a conveyancing panel search on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Scottish Widows solicitor panel.
My uncle passed away last year and as sole heir and executor was left the house. The house had a relatively small loan remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to Scottish Widows , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Scottish Widows will insist on your using a conveyancer on the Scottish Widows conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Scottish Widows conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Scottish Widows mortgage is registered as a charge at the Land Registry.
I had instructed online solicitors based in London who are on the Scottish Widows solicitor panel. They are now charging me a separate fee of £150 for the legal aspects of the Scottish Widows mortgage. Is this a supplemental conveyancing fee set by Scottish Widows?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Scottish Widows but by your lawyers. Some firms on the Scottish Widows will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
Can I be sure that the solicitor on the Scottish Widows panel is any good?
seeking 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 handling your transaction
The for formalities of my purchase has taken place with a mortgage from Scottish Widows. Conveyancing was satisfactory but I would like to complain about Scottish Widows. Who do I contact should I wish to lodge a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the Scottish Widows branches or the Customer Services Department at Scottish Widows head office. We understand that complaints to Scottish Widows are resolved effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service who will take matters further.

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