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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

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on The Mortgage Works’s changes. Even though using the software is not a condition for being on the The Mortgage Works panel, demonstrating you can stay up to date with The Mortgage Works’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your firm’s panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by The Mortgage Works

Mortgage companies frequently 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, over time:

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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Q and A’s regarding the The Mortgage Works Conveyancing Panel from members of the public

Am I correct in assuming that the fact that my conveyancer is not identified on the The Mortgage Works Solicitor panel that there is a problem with the quality of the firm’s conveyancing?
That would more than likely be a wrong assumption to make. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The top 3 reasons are as follows: (1) lack 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. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for The Mortgage Works.
I am purchasing a newly built apartment and my conveyancer is advising me that she is duty bound to disclose incentives from the builder as her firm is on the The Mortgage Works conveyancing panel. The Estate Agents are hassling me to sign contracts and my preference is not to delay deal. Is my lawyer right?
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.
What tools are available to search for a local solicitor on the The Mortgage Works conveyancing panel? I have a car and am prepared to travel up to 25 miles 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 Works solicitor panel.
I am considering applying for a The Mortgage Works mortgage for purchase of a newly converted (under development) with 70% LTV. Is it compulsory to choose a solicitor on the conveyancing panel for The Mortgage Works?
In theory, you could use a solicitor that is not on The Mortgage Works conveyancing panel, but The Mortgage Works would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
When it comes to mortgage companies such as The Mortgage Works do lawyers 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.
My existing mortgage is with The Mortgage Works. My father retired last week and wants to pay off the mortgage left on the property. After The Mortgage Works is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the The Mortgage Works conveyancing panel? I do not intend to live at the property once the The Mortgage Works mortgage is discharged.
You will need a solicitor but they need not be on the The Mortgage Works conveyancing panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. There's no capital gains tax for you as it is your main residence.
I am currently in the process of buying my council flat. I have a mortgage agreed with The Mortgage Works. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with The Mortgage Works you will need to appoint a solicitor on the The Mortgage Works conveyancing panel.

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