The Mortgage Lender Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This software is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts on The Mortgage Lender’s changes. While using 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 a helpful support to your panel application and, more importantly, protect your firm’s panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by The Mortgage Lender

Banks and building societies frequently 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 121 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 22.6 days. In total, 33% of the sections of P2 of the UK Finance Lenders’ Handbook for The Mortgage Lender have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
7.3 27/04/2018 CML
Occupiers at the Property
The Mortgage Lender Limited approved conveyancer requirements for adult occupiers : Do The Mortgage Lender Limited require a consent to mortgage from all occupants aged 17 or over
1.11a 19/12/2017 CML
General Mortgage Instructions
Contact details at The Mortgage Lender Limited for approved lawyers to obtain mortgage documentation
10.9 14/12/2017 CML
Mortgage Advance and Certificate of Title
Do The Mortgage Lender Limited have a specific contact point if completion is delayed for their approved lawyer?
16.5.3a 14/12/2017 CML
Deed of Variation
The Mortgage Lender Limited requirements for approved lawyers as to whether The Mortgage Lender Limited need to be sent a Deed of Variation
6.1.3 14/12/2017 CML
Mortgage offer not taken up
Contact details at The Mortgage Lender Limited for conveyancing panel lawyers where for reporting purposes if borrower is not taking up the mortgage offer
6.2.1 14/12/2017 CML
Property Description
Contact details at The Mortgage Lender Limited for conveyancing panel lawyers to used where there are any discrepancies in property's description.
6.9.1 14/12/2017 CML
Easements
Contact details at The Mortgage Lender Limited for approved lawyers if necessary easements are absent
Unknown Rights and Easements Indemnity Insurance
6.4.4 17/10/2017 CML
Disclosing Incentives
The Mortgage Lender Limited panel lawyers additional requirements concerning reporting incentives
9.2 17/10/2017 CML
Defective Title Insurance
The Mortgage Lender Limited clarification to approved lawyers clarification as to limit of indemnity insurance The Mortgage Lender Limited require
Adverse Possession Indemnity Insurance Possessory Title Indemnity Insurance Missing Deeds Indemnity Insurance Defective Title Indemnity Insurance
5.20.3 17/10/2017 CML
Panels PV Solar
Existence of additional requirements set by The Mortgage Lender Limited for conveyancing panel lawyers relating to leases of roof space for solar PV panels, and if so, what they are.

Last update 19/01/2019

The Mortgage Lender Conveyancing Panel : Questions and Answers from members of the public

My financial adviser has has requested my solicitor’s panel reference for the The Mortgage Lender conveyancing panel. What is the best way to find this out. I have called my local The Mortgage Lender office but they cant find it on their system.
the sensible thing to do is ask for this information from your solicitor. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for The Mortgage Lender.
can you help? My solicitor is advising me that she is duty-bound to apply for a Local Authority search because the firm are on the The Mortgage Lender approved lawyer panel. Do I not have a choice here?
You have limited options available to you. Given that you are taking out a loan with The Mortgage Lender 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 The Mortgage Lender’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated The Mortgage Lender. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Do I have to attend the offices of the The Mortgage Lender conveyancing panel solicitor to execute the legal charge? If so, I will choose one who does conveyancing in Bristol so that I can pop in to their offices if necessary.
Most conveyancing panel lawyers for The Mortgage Lender undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
My uncle passed away 10 months ago and as sole heir and executor was left the house. The house had a small mortgage left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to The Mortgage Lender , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then The Mortgage Lender will insist on your using a conveyancer on the The Mortgage Lender conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your The Mortgage Lender conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the The Mortgage Lender mortgage is registered as a charge at the Land Registry.
When it comes to lenders such as The Mortgage Lender do solicitors have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called into my local branch The Mortgage Lender on numerous occasions and was told they are content with the situation 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.
I have instructed a lawyer having checked that they are on the The Mortgage Lender conveyancing panel. Does my lawyer arrange the survey of the property? Or I've read lots of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the The Mortgage Lender conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
The Mortgage Lender will need an independent valuation of the property. Your lawyer will not arrange this. Usually The Mortgage Lender 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 Lender you could contact your them to see if they have a list of approved surveyors.