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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 an online pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. It is a unique risk mitigation tool.

This software optimises the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Secure Trust Bank’s changes. While utilising COMPLETIONmonitor is not a prerequisite for Secure Trust Bank , demonstrating you can stay up to date with Secure Trust Bank’s Handbook requirements is a helpful support to your panel application and, just as importantly, protect your firm’s panel standing.

The system generates real-time alerts, automatically produces compliance and CQS reports, and will improve your firm's efficiency. It is also simply to use, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by Secure Trust Bank

Lenders frequently vary 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.

To find out more about lender panel compliance,
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FAQs for the Secure Trust Bank Conveyancing Panel from members of the public

On what basis would a firm of solicitors be excluded from the Secure Trust Bank solicitor panel?
According to a recent survey report by the solicitors regulator three quarters of solicitor practices had been removed 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 Secure Trust Bank
My conveyancer has discovered an inconsistency between the surveyor’s assumptions in Secure Trust Bank’s valuation survey and what is revealed within the legal papers for the property. My solicitor informs me that as he is on the Secure Trust Bank conveyancing panel he is duty bound to ensure that the lender is with this discrepancy and is content go ahead. Is my lawyer’s stance correct?
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 you.
I am planning to acquire a house and need a conveyancing solicitor in who is on the Secure Trust Bank conveyancing. Can you recommend a local conveyancing firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Secure Trust Bank . We don’t recommend any particular firm.
I am selling my house. Does my solicitor have to be on the Secure Trust Bank conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Secure Trust Bank conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Are all conveyancing solicitors on the Secure Trust Bank conveyancing panel regulated by the SRA?
As a firm of solicitors, in order to be on the Secure Trust Bank conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
My offer was accepted on an apartment on the 17th March 2014, valuation was booked 4 days later, all came back fine. Solicitor instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Secure Trust Bank and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Secure Trust Bank conveyancing panel. Are Secure Trust Bank entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Secure Trust Bank to deal with your lawyers application to be on the Secure Trust Bank conveyancing panel. There's no guarantee that your solicitors will be accepted.
My ex -wife’s name is on the Secure Trust Bank mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Secure Trust Bank mortgage in order to sell?
In terms of the Secure Trust Bank mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Secure Trust Bank in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.

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