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

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

This system assists the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on The Mortgage Lender’s changes. Even though utilising this technology is not a prerequisite for The Mortgage Lender , 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, safeguard your panel standing.

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

Find a Law Firm approved by The Mortgage Lender

Banks and building societies often vary 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, frequently:

A Timeline of Policy Changes


Since 2008, The Mortgage Lender has made 294 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 9.3 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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Common questions asked concerning the The Mortgage Lender Solicitor Panel from members of the public

How easy is it to change a solicitor as I need to find one who is on the The Mortgage Lender conveyancing panel. Is it advisable to appoint a new law firm?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
Can you clarify something for me?. For no fault of my lawyer but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from The Mortgage Lender was dated random date and we have agreed a date for me to move into the property on Tues etc. My lawyer informs me that as she is on the The Mortgage Lender conveyancing panel she needs to redo the searches as they are no longer valid.
One of the many conditions to being on the The Mortgage Lender approved panel is to comply with the CML Handbook requirements (last updated for this lender on The Mortgage Lender)which specifies that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to The Mortgage Lender.
I am looking to buy a property and require a conveyancing solicitor in who is on the The Mortgage Lender approved. Can you recommend a local firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for The Mortgage Lender . We don’t recommend any particular firm.
What happens if my lawyer’s firm is expelled from the The Mortgage Lender Conveyancing panel prior to the moving date as agreed at exchange of contracts?
First, this is a very rare occurrence. 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 for a fee.
I had instructed online conveyancers located in London who are on the The Mortgage Lender solicitor panel. They have just invoiced me a separate fee of £150 for dealing with the The Mortgage Lender mortgage. Is this an additional conveyancing fee specified by The Mortgage Lender?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by The Mortgage Lender but by your lawyers. Some firms on the The Mortgage Lender will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called The Mortgage Lender on various occasions and told it wasn't a problem and they would lend. My solicitor - who is on the The Mortgage Lender conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. I simply dont know who is right
As long as the conveyancer is on the The Mortgage Lender panel she or he must comply with the CML Handbook requirements for The Mortgage Lender. Unless your lawyer obtains specific confirmation in writing that The Mortgage Lender will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask The Mortgage Lender to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
The Mortgage Lender have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up The Mortgage Lender or your broker and complete any relevant paperwork. The Mortgage Lender will tell you what documents they want. The Mortgage Lender will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. The Mortgage Lender will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.

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