The Mortgage Works Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and professional indemnity insures. It is a unique risk management tool.

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on The Mortgage Works’s changes. Even though utilising the tool is not a prerequisite for The Mortgage Works , demonstrating you can remain up to date with The Mortgage Works’s Handbook requirements is a helpful support to your panel application and, just as importantly, protect your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces compliance and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by The Mortgage Works

Lenders often vary their requirements. The UK Finance Lenders’ Handbook requirements from The Mortgage Works 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 Works has made 312 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.8 days. In total, 63% of the sections of P2 of the UK Finance Lenders’ Handbook for The Mortgage Works have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
5.4.4 10/12/2019 CML
6.7.1 10/12/2019 CML
6.7.4 10/12/2019 CML
6.8.1 10/12/2019 CML Adoption of Road or Sewer Indemnity Insurance
3.1.3 10/12/2019 CML
6.6.3 18/06/2019 CML
5.15.2a 04/06/2019 CML
5.15.2a 02/05/2019 CML
6.7.1 14/06/2018 CML
5.14.9 17/05/2017 CML

Last update 19/01/2020

The Mortgage Works Solicitor Panel Recently Asked Questions from members of the public

My lawyer has never been on on the The Mortgage Works Approved Panel. Can I still retain my family solicitor even though they are not on the The Mortgage Works panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a The Mortgage Works mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the The Mortgage Works conveyancing panel additional costs will be incurred as separate legal representation will be required by The Mortgage Works. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
I am purchasing a newly constructed flat and my lawyer is telling me that she is duty bound to reveal incentives from the builder as her firm is on the The Mortgage Works conveyancing panel. I am on a tight deadline to sign contracts and I dont want to prolong 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 Works approved panel is to comply with the CML Handbook requirements (last updated for this lender on The Mortgage Works). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Is it necessary during the course of the conveyancing process to visit the offices of the The Mortgage Works conveyancing panel solicitor to sign the mortgage deed? If so, I will appoint a lawyer who conducts conveyancing in Liverpool so that I can pop in to their offices if required.
Most conveyancing panel lawyers for The Mortgage Works 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.
I was due to complete on my first house last Friday. My solicitor is on the The Mortgage Works conveyancing panel but has changed address in the past couple of months and had not informed The Mortgage Works of their new address. The Mortgage Works is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. The majority of 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 Works branch or your mortgage broker to see if they can assist.
Are all Conveyancing Quality Solicitors on the The Mortgage Works conveyancing panel?
A selection of banks and building societies now use the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their panels.
We were going to get a DIP from The Mortgage Works this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the The Mortgage Works recommend a solicitor on the The Mortgage Works 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 Works conveyancing panel. The solicitor represents both you and the The Mortgage Works through the process.
My ex -wife’s name is on the The Mortgage Works mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the The Mortgage Works mortgage in order to sell?
In terms of the The Mortgage Works mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of The Mortgage Works in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.