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Secure Trust Bank 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 Secure Trust Bank Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Secure Trust Bank Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers such as AmTrust. It is a unique risk management tool.

This system optimises the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Secure Trust Bank’s changes. Even though using this technology is not a condition for being on the Secure Trust Bank panel, demonstrating you can remain up to date with Secure Trust Bank’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, protect your firm’s panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Secure Trust Bank

Banks and building societies often change their requirements. The UK Finance Lenders’ Handbook requirements from Secure Trust Bank 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, Secure Trust Bank has made 3 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 910.0 days. In total, 1% of the sections of P2 of the UK Finance Lenders’ Handbook for Secure Trust Bank have been changed since 15/12/2008.

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Secure Trust Bank Conveyancing Panel Example Support Desk Enquires from members of the public

Is there a reason why all property lawyers aren't included on the Secure Trust Bank Conveyancing panel?
Even though it may seem unfair for Secure Trust Bank to restrict who can act for them from the public’s or solicitor’s point of view, the other side of the coin is that the lenders are becoming ever more anxious and feel the necessary need to protect them from mortgage fraud and other illegal activities. As a result of this concern Secure Trust Bank are limiting their conveyancing panel to a manageable size. The Secure Trust Bank conveyancing panel is not the most exclusive of all lenders
My lawyer has uncovered a difference between the assumptions in Secure Trust Bank’s home valuation survey and what is in the conveyancing documents. My lawyer says that as he is on the Secure Trust Bank conveyancing panel he must ensure that the bank is happy with this discrepancy and is still content to lend. Is my lawyer’s stance legitimate?
A precondition to being on the Secure Trust Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Secure Trust Bank) 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.
Are there any apps to help find a local solicitor on the Secure Trust Bank conveyancing panel? I have a car and am prepared to travel up to 25 miles to meet the solicitor.
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 Secure Trust Bank solicitor panel.
I was scheduled to complete on my flat yesterday. My lawyer’s firm is on the Secure Trust Bank conveyancing panel but has moved offices 8 weeks ago and had not advised Secure Trust Bank of their new address. Secure Trust Bank has locked down the release of mortgage funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. Most 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 Secure Trust Bank branch or your mortgage broker to see if they can assist.
When it comes to lenders such as Secure Trust Bank do solicitors have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
The mortgage over my property is with Secure Trust Bank. Conveyancing was finalised some time ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Secure Trust Bank?
Your original mortgage agreement with Secure Trust Bank will provide that you need their approval prior to letting out your property as this is likely to be a breach of Secure Trust Bank’s mortgage conditions. It may be that Secure Trust Bank 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 Secure Trust Bank directly. It should not be necessary to do this via a Secure Trust Bank conveyancing panel lawyer.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. 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 Secure Trust Bank?
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 Secure Trust Bank 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 Secure Trust Bank 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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