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

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This software assists the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with alerts on The Mortgage Works’s changes. Even though utilising the software is not a prerequisite for The Mortgage Works , demonstrating you can remain up to date with The Mortgage Works’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, safeguard your firm’s panel standing.

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

Find a Law Firm approved by The Mortgage Works

Mortgage companies often change 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 698 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 3.9 days. In total, 68% of the sections of P2 of the UK Finance Lenders’ Handbook for The Mortgage Works have been changed since 15/12/2008.

To find out more about lender panel compliance,
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The Mortgage Works Conveyancing Panel Recently Asked Questions from members of the public

I am progressing with the sale of my maisonette and the estate agent has just called to warn that the purchasers are switching property lawyer. The reason given is that The Mortgage Works will only engage with solicitors on their approved list. Why would a leading mortgage company only deal with certain law firms?
Lenders have always had panels of law firms they are willing to work with, but in the past few years big names such as Lloyds Banking Group, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for more than 25 years.

Lenders point to the increase in fraud as the reason for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is being contacted daily by practices that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

We are getting closer to an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender The Mortgage Works. Apparently, being on the The Mortgage Works conveyancing panel and acting on their behalf he must inform The Mortgage Works if the balance of the mortgage advance is coming from anyone other than me. I advised the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with The Mortgage Works to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to The Mortgage Works if you agree, failing which, your lawyer must cease to continue acting.
I am looking for competitive conveyancing fees. Can I be confident that all the law firms that are listed on your site are on the The Mortgage Works conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the The Mortgage Works panel and agreed to advise us to take down their listing in the event of removal off of the The Mortgage Works panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the The Mortgage Works conveyancing panel is incorrect.
My uncle passed away six months ago and as sole heir and executor was left the house. The house had a small mortgage left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to The Mortgage Works , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then The Mortgage Works will insist on your using a conveyancer on the The Mortgage Works 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 Works 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 Works mortgage is registered as a charge at the Land Registry.
Is there a list of The Mortgage Works panel solicitors on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
Is it the case that all solicitors on the The Mortgage Works conveyancing panel regulated by the SRA?
As a firm of solicitors, in order to be on the The Mortgage Works conveyancing panel they would need to be regulated by the SRA. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
We were going to get a DIP from The Mortgage Works this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (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.

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