Secure Trust Bank Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and professional indemnity insures. It is a unique risk management tool.

This software is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Secure Trust Bank’s changes. While using this technology is not a prerequisite for Secure Trust Bank , demonstrating you can stay up to date with Secure Trust Bank’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your firm’s panel status.

The software creates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for many firms, leads to reduced PII premiums.

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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 CML 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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Recent Changes Include

# Date Assoc. Changes Related To
6.7.1 07/11/2018 CML
New Build Conveyancing
Secure Trust Bank PLC panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
7.3 15/10/2018 CML
Occupiers at the Property
Secure Trust Bank PLC approved conveyancer requirements for adult occupiers : Do Secure Trust Bank PLC require a consent to mortgage from all occupants aged 17 or over
6.7.1 18/06/2018 CML
New Build Conveyancing
Secure Trust Bank PLC approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes

Last update 27/05/2019

Secure Trust Bank Solicitor Panel Recently Asked Questions from members of the public

I appointed a solicitor to conduct the legal paperwork on my remortgage six weeks ago having applied for a mortgage with Secure Trust Bank. The law firm reassured me that they are on Secure Trust Bank conveyancing panel and provided me their panel reference. Secure Trust Bank then told me that their panel number was dormant and would need to be reactivated. What happens next? Should I appoint a new solicitor listed on the conveyancing panel for Secure Trust Bank?
You may be very frustrated with the lawyer but if it only go take a few more days they it may be worth waiting as, depending on how far progressed you are you may end up delaying the transaction by a number of weeks if you need to replace your solicitor You may wish to enlist the help of your broker to check with the Secure Trust Bank as to how long they think it will take to get the firm to get back on the panel.
can you help? My solicitor is informing me me that he has to apply for a Local Authority search as the firm are on the Secure Trust Bank solicitor panel. Do I not have a choice here?
You have limited options available to you. As you are taking a mortgage with Secure Trust Bank your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Secure Trust Bank’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Secure Trust Bank. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
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 10 kilometers to meet the lawyer.
You can use the find a conveyancing panel tool on this page. 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.
We're in Liverpool, First time buyers buying with a mortgage (lender is Secure Trust Bank , but our solicitor is on the Secure Trust Bank conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Secure Trust Bank conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Two weeks ago we had a mortgage agreed in principle with Secure Trust Bank. Solicitors have been chosen? How long does it take for Secure Trust Bank to send the offer to our conveyancer
Some lenders take longer than others. Have Secure Trust Bank completed the valuation? 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
I am buying a property where the roof has a solar panel. Secure Trust Bank have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is 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. Requirements for Scotland are due in the near future.
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Secure Trust Bank. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Secure Trust Bank you will need to appoint a solicitor on the Secure Trust Bank conveyancing panel.