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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?
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How can my firm be reinstated onto the Secure Trust Bank Conveyancing Panel?
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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 mitigation tool.

This system optimises the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Secure Trust Bank’s changes. Even though using the tool is not a condition for acceptance 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 panel application and, just as importantly, protect your firm’s panel standing.

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

Find a Law Firm approved by Secure Trust Bank

Mortgage companies 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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Common questions asked concerning the Secure Trust Bank Solicitor Panel from members of the public

My husband and I are purchasing a 1 bedroom apartment in Hackney with a mortgage from Secure Trust Bank. We like our solicitor but Secure Trust Bank says she’s not on their "panel". We have to appoint one of the Secure Trust Bank panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Secure Trust Bank conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Secure Trust Bank
My god-son is in the process of securing a newly built flat with a mortgage from Secure Trust Bank. His conveyancer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Secure Trust Bank conveyancing panel as a standard part of the process, and to the valuer when asked.

The Developer will be required to start the process by downloading the form and completing it.

The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Secure Trust Bank conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

What tools are available to search for a local solicitor on the Secure Trust Bank conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the lawyer.
You can use the find a conveyancing panel tool 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.
My lawyers in London have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with Secure Trust Bank. Is it case that being on the Secure Trust Bank conveyancing panel they need to have retained the file for a prescribed period?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Secure Trust Bank Conveyancing Panel Terms. It might be worth you contacting Secure Trust Bank directly.
We have a mortgage agreed in principle with Secure Trust Bank. Solicitors have been chosen? What is the average time that one could expect to receive a mortgage offer from Secure Trust Bank?
Some lenders take longer than others. Have Secure Trust Bank conducted the survey? Have you advised Secure Trust Bank as your lawyers details and checked that your lawyer is on the Secure Trust Bank conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Secure Trust Bank be concerned
As you are obtaining a mortgage with Secure Trust Bank your lawyer must to check the Secure Trust Bank conveyancing instructions contained in the Part of CML Handbook for Secure Trust Bank . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Secure Trust Bank where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
After much negotiation I have agreed a price on a house. My mortgage broker suggested a solicitor I paid an upfront payment of 150. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Secure Trust Bank 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 Secure Trust Bank 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.

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