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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 property lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This system is the only way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with alerts on Secure Trust Bank’s changes. Notwithstanding that using this technology is not a condition for acceptance on the Secure Trust Bank panel, 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, safeguard your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by Secure Trust Bank

Banks and building societies frequently 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, over time:

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

We are hoping to buy a 3 bedroom apartment in Hackney with a mortgage from Secure Trust Bank. We have a solicitor but Secure Trust Bank says she’s not on their "panel". It seems we have little choice but to instruct one of the Secure Trust Bank panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?
Unfortunately,no. 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. A further alternative is for your lawyer to apply to be on the conveyancing panel for Secure Trust Bank
My solicitor has uncovered a difference when comparing the surveyor’s assumptions in Secure Trust Bank’s home valuation report and what is in the title deeds. My solicitor informs me that as he is on the Secure Trust Bank conveyancing panel he is obliged to check that the lender is with this discrepancy and is content go ahead. Is my conveyancer’s course or action 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 you.
I am buying a property and require a conveyancing solicitor in Leeds 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 attempting to get my ex-husband taken off the mortgage deeds. Can Secure Trust Bank really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but Secure Trust Bank then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Secure Trust Bank solicitors panel
I am currently in the process of buying my council flat. I have a mortgage offer 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 have 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.
I currently have a mortgage with with Secure Trust Bank. Conveyancing was finalised months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Secure Trust Bank?
Secure Trust Bank must be informed of your intention before renting 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 permit you to let 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.
My offer was accepted on a house on the 7th March 2014, valuation was booked 4 days later, received a clean bill of health. Conveyancer retained, 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. Can the lender hold off the offer?
A lender would 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.

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