The Mortgage Lender Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. It is a unique risk mitigation tool.

This software is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on The Mortgage Lender’s changes. Even though using this technology is not a condition for being on the The Mortgage Lender panel, demonstrating you can remain up to date with The Mortgage Lender’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, protect your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will increase 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 The Mortgage Lender

Lenders often change their requirements. The UK Finance Lenders’ Handbook requirements from The Mortgage Lender 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 Lender has made 210 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 13.0 days. In total, 34% of the sections of P2 of the UK Finance Lenders’ Handbook for The Mortgage Lender have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
12.3.1 25/01/2019 CML
Instalment Mortgages
Do The Mortgage Lender Limited have a specific contact point for their conveyancing panel for release of retentions/mortgage advance instalments?
16.5.3d 25/01/2019 CML
Option Agreements
Contact details at The Mortgage Lender Limited for conveyancing panel lawyers to send option agreements .
5.13.1 25/01/2019 CML
Balance of Monies
Contact details at The Mortgage Lender Limited for approved lawyers where borrower is not providing balance of purchase price from funds/proposing to give second charge.
Insolvency Act Indemnity Insurance Deed of Gift Indemnity Insurance
5.16.2 25/01/2019 CML
Leasehold Conveyancing : Management Company
Contact details at The Mortgage Lender Limited for conveyancing panel lawyers if unable to certify search entry on bankruptcy search does not relate to borrower.
5.5.4 25/01/2019 CML
Planning Permission and Building Regulations : Restrictions
Contact details at The Mortgage Lender Limited for conveyancing panel lawyers where the property is subject to restrictions which may affect its value or marketability
Restrictive Covenant Indemnity Insurance
6.7.1 25/01/2019 CML
New Build Conveyancing
The Mortgage Lender Limited approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
1.11a 19/12/2017 CML
General Mortgage Instructions
Contact details at The Mortgage Lender Limited for conveyancing panel lawyers to obtain mortgage documentation
5.14.10 14/12/2017 CML
Leasehold Conveyancing
The Mortgage Lender Limited approved lawyers leasehold conveyancing requirements : contact for service charge matters
5.5.3a 14/12/2017 CML
Planning Permission and Building Regulations : Breaches
Contact details at The Mortgage Lender Limited for approved lawyers where there evidence of breach and all outstanding conditions will not be satisfied by completion
Lack of Planning Permission Indemnity Insurance
6.1.3 14/12/2017 CML
Mortgage offer not taken up
Contact details at The Mortgage Lender Limited for approved lawyers where for reporting purposes if borrower is not taking up the mortgage offer

Last update 19/05/2019

Examples of recent questions relating to the The Mortgage Lender Conveyancing Panel from members of the public

I am expecting a offer of a mortgage from The Mortgage Lender. I hope to instruct a Licensed Conveyancer. Does the The Mortgage Lender Conveyancing panel allow for Licensed Conveyancers
The Mortgage Lender’s approved solicitor list is, like many other lenders associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
My husband and I are refinancing our apartment with The Mortgage Lender. We have a son approaching twenty who lives with us. The solicitor on the The Mortgage Lender conveyancing panel has asked us to disclose anyone over the age of 17 other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this document specific to the The Mortgage Lender conveyancing panel as he never had to sign this form when we remortgaged 5 years ago (2) Does our son by signing this giving up his rights to inherit the property?
First, rest assured that your The Mortgage Lender conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to The Mortgage Lender .This is solely used to protect the The Mortgage Lender if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of The Mortgage Lender had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Whilst your website is a good idea there are many lawyers listed near Manchester on the The Mortgage Lender conveyancing panel. Can you recommend a specific firm on the The Mortgage Lender approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
Please explain the implications if my solicitor is expelled from the The Mortgage Lender Conveyancing panel before the completion date?
The first thing to point out is that, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
Do the majority of lenders operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the The Mortgage Lender conveyancing panel requirements are different to The Mortgage Lender’s conveyancing panel criteria.
We expect to receive a DIP from The Mortgage Lender this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the The Mortgage Lender recommend a solicitor on the The Mortgage Lender conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the The Mortgage Lender conveyancing panel. The solicitor represents both you and the The Mortgage Lender through the process.
I recently had an offer accepted on an apartment. My mortgage broker pressured me to appoint their lawyers I paid an upfront payment of 150. Soon after the conveyancers contacted me sheepishly admitting that they were not on the The Mortgage Lender 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 The Mortgage Lender 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.