The Mortgage Lender Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers such as AmTrust. 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 instructions, with automatic updates on The Mortgage Lender’s changes. Even though using COMPLETIONmonitor is not a condition for acceptance on the The Mortgage Lender panel, demonstrating you can remain up to date with The Mortgage Lender’s Handbook requirements is a helpful support to your panel application and, just as importantly, safeguard your firm’s panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces compliance and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by The Mortgage Lender

Mortgage companies 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, frequently:

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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Common questions asked concerning the The Mortgage Lender Solicitor Panel from members of the public

For what reasons could a firm of solicitors be excluded from the The Mortgage Lender approved conveyancing panel?
According to a recent survey report by the solicitors regulator three quarters of solicitor practices had been excluded from a lender panel. The most common reasons in order are :
  1. Low volume of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by The Mortgage Lender
I am due to move into my new home next Monday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for The Mortgage Lender. What risks do The Mortgage Lender expect the insurance to cover?
All property lawyers on the The Mortgage Lender conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in The Mortgage Lender’s Part 2 requirements of the CML Handbook (last updated on The Mortgage Lender). Being on the The Mortgage Lender conveyancing panel your lawyer is expect to follow these requirements.
Are there any apps to help find a local solicitor on the The Mortgage Lender conveyancing panel? I have a car and am prepared to travel up to 20 kilometers to meet the solicitor.
You can use the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the The Mortgage Lender solicitor panel.
I was supposed to complete on my dream home last Friday. My solicitor is on the The Mortgage Lender solicitors panel but has moved offices 8 weeks ago and had not advised The Mortgage Lender of their new address. The Mortgage Lender is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local The Mortgage Lender branch or your mortgage broker to see if they can help.
When it comes to mortgage companies 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.
Is it the case that all conveyancing solicitors on the The Mortgage Lender conveyancing panel work on a no sale no fee basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to proceed? I plan to obtain a mortgage with The Mortgage Lender. Is it possible to avoid using solicitors to save us both money? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with The Mortgage Lender involved you will need to appoint a solicitor on the The Mortgage Lender conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to The Mortgage Lender. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the The Mortgage Lender conveyancing panel.