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The Mortgage Business 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 The Mortgage Business Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the The Mortgage Business Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers. It is a unique risk management tool.

This system is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on The Mortgage Business’s changes. Even though using this technology is not a prerequisite for The Mortgage Business , demonstrating you can remain up to date with The Mortgage Business’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your panel status.

The software generates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by The Mortgage Business

Mortgage companies frequently change their requirements. The UK Finance Lenders’ Handbook requirements from The Mortgage Business 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, The Mortgage Business has made 242 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 11.3 days. In total, 44% of the sections of P2 of the UK Finance Lenders’ Handbook for The Mortgage Business have been changed since 15/12/2008.

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The Mortgage Business Conveyancing Panel Sample Enquires to our Call Center from members of the public

I am in the process of selling my house and the EA has just e-mailed to warn that the purchasers are appointing a new conveyancer. The excuse is that The Mortgage Business will only deal with property lawyers on their conveyancing panel. On what basis would a big named lender only deal with specific law firms?
Banks have always had an approved set of law firms they are willing to work with, but in the past few years big names such as HSBC, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for decades.

Lenders point to the increase in fraud by way of justification for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

I am buying a new build flat and my lawyer is telling me that she has to reveal incentives from the developer as her practice is on the The Mortgage Business conveyancing panel. I am nearing the developer’s deadline to exchange and I have no desire to delay deal. is my lawyer taking the correct approach?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the The Mortgage Business approved panel is to comply with the CML Handbook requirements (last updated for this lender on The Mortgage Business). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I have been searching for competitive conveyancing fees. Can I be confident that all the firms that are listed on your site are on the The Mortgage Business conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have advised us that they are on the The Mortgage Business panel and agreed to advise us to take down their listing in the event of removal off of the The Mortgage Business panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the The Mortgage Business conveyancing panel is incorrect.
We're in Wales, First time buyers purchasing with a mortgage (lender is The Mortgage Business , but our lawyer is on the The Mortgage Business conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the The Mortgage Business 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
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. The Mortgage Business have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that you are obtaining a mortgage with The Mortgage Business your lawyer must to check the The Mortgage Business conveyancing instructions contained in the Part of CML Handbook for The Mortgage Business . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to The Mortgage Business 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 am currently in the process of buying my council flat. I have a mortgage offer with The Mortgage Business. 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 The Mortgage Business you will need to appoint a solicitor on the The Mortgage Business conveyancing panel.
I have instructed a lawyer having checked that they are on the The Mortgage Business conveyancing panel. Does my lawyer arrange the survey of the property? Or I've digested plenty of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the The Mortgage Business conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
The Mortgage Business will need an independent valuation of the property. Your lawyer will not arrange this. Usually The Mortgage Business will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with The Mortgage Business you could contact your them to see if they have a list of approved surveyors.

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