Together Personal Finance Conveyancing Lender Panel Compliance Tool

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Halifax Conveyancing Panel?
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COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. Supported by the CML and professional indemnity insures. COMPLETIONmonitor is a unique risk management tool.

This system optimises the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Together Personal Finance’s changes. Notwithstanding that using the tool is not a condition for acceptance on the Together Personal Finance panel, demonstrating you can stay up to date with Together Personal Finance’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your firm’s panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by Together Personal Finance

Lenders frequently vary 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, over time:

A Timeline of Policy Changes


To find out more about lender panel compliance,

Together Personal Finance Solicitor Panel Sample Enquires to our Call Center from members of the public

It has come to my attention via my mortgage adviser that my the law firm I have appointed is not on the Together Personal Finance Conveyancing panel. How can I be certain that this is indeed the case?
You need to contact your conveyancer. You lawyer should advise you of the situation. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for Together Personal Finance.
Our lawyer has uncovered a problem with the lease for the apartment we are buying. The other side have put forward defective title insurance as a workaround. We are happy with insurance and will pay for it. Our solicitor has advised that as he is on the Together Personal Finance conveyancing panel he must check that the lender is happy with this solution. Are we the client or is Together Personal Finance?
Just because you have a mortgage offer from Together Personal Finance does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Together Personal Finance are the client. The appropriate lender requirements have to be complied with by the Together Personal Finance conveyancing panel who has to balance acting for you and Together Personal Finance
Do I have to have a meeting at the offices of the Together Personal Finance conveyancing panel solicitor to sign the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Newcastle so that I can attend their offices if required.
Whereas this was necessary ten years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Newcastle .
I am considering applying for a Together Personal Finance mortgage for purchase of a new build (under development) with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Together Personal Finance?
There is nothing to stop you using your solicitor but Together Personal Finance will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
When it comes to mortgage companies such as Together Personal Finance 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.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to move forward? I hope to get a mortgage with Together Personal Finance. Is it possible to avoid using solicitors to save on the costs? 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 Together Personal Finance involved you will need to appoint a solicitor on the Together Personal Finance 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 Together Personal Finance. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Together Personal Finance conveyancing panel.
I am currently in the process of buying my council flat. I have a mortgage offer with Together Personal Finance. 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 Together Personal Finance you will need to appoint a solicitor on the Together Personal Finance conveyancing panel.

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