Together Personal Finance Conveyancing Lender Panel Compliance Tool

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

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Together Personal Finance’s changes. Notwithstanding that utilising COMPLETIONmonitor is not a prerequisite for Together Personal Finance , demonstrating you can remain up to date with Together Personal Finance’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, safeguard your firm’s panel status.

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

Find a Law Firm approved by Together Personal Finance

Lenders frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Together Personal Finance 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


To find out more about lender panel compliance,

Book a Personalised Demo

Together Personal Finance Conveyancing Panel : Questions and Answers from members of the public

I am obtaining a mortgage with Together Personal Finance. I intend to enlist the help of a Licensed Conveyancer. Does the Together Personal Finance Conveyancing panel include Licensed Conveyancers
Together Personal Finance’s conveyancing panel is, like many other lenders represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
My fiance and I are refinancing our maisonette with Together Personal Finance. We have a son 18 who lives with us. The solicitor on the Together Personal Finance conveyancing panel has asked us to disclose anyone over the age of 17 other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have two concerns (1) Is this form unique to the Together Personal Finance conveyancing panel as he did not need to sign this form when we purchased 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Together Personal Finance .This is solely used to protect the Together Personal Finance if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Together Personal Finance had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Do all the firms listed on your search have online case tracking as I understood that this was a condition of being on the Together Personal Finance conveyancing panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I am considering applying for a Together Personal Finance mortgage for purchase of a newly converted (under development) with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Together Personal Finance?
In theory, you could use a solicitor that is not on Together Personal Finance conveyancing panel, but Together Personal Finance 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 transaction.
For 5 years I had a mortgage with Together Personal Finance. My father has just retired and wants to pay off the mortgage left on the property. After Together Personal Finance 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 Together Personal Finance conveyancing panel? I do not intend to live at the property once the Together Personal Finance mortgage is discharged.
You will need a solicitor but they need not be on the Together Personal Finance 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.
Can I register a complaint to Together Personal Finance about the lawyers being on the Together Personal Finance conveyancing panel?
There is little point in complaining directly to Together Personal Finance. All solicitors and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is addressed by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

Together Personal Finance have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Together Personal Finance or your broker and complete any relevant paperwork. Together Personal Finance will tell you what documents they want. Together Personal Finance will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Together Personal Finance will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.