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 Council of Mortgage Lenders and PI insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This system optimises the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on Together Personal Finance’s changes. Even though using the tool is not a condition for acceptance on the Together Personal Finance panel, demonstrating you can remain up to date with Together Personal Finance’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, protect your firm’s panel status.

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

Find a Law Firm approved by Together Personal Finance

Mortgage companies often 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, frequently:

A Timeline of Policy Changes


To find out more about lender panel compliance,

Book a Personalised Demo

Common questions asked concerning the Together Personal Finance Solicitor Panel from members of the public

My Conveyancer has never been on on the Together Personal Finance Approved Panel. Can I still use my family solicitor notwithstanding that they are excluded from the Together Personal Finance panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Together Personal Finance 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 Together Personal Finance conveyancing panel additional costs will be incurred as separate legal representation will be required by Together Personal Finance. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Can you help?. My lawyer is not to blame but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Together Personal Finance was issued random date and we have agreed a date for me to move into the property on 6 months + 3. My lawyer has advised that as she is on the Together Personal Finance conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
One of the many conditions to being on the Together Personal Finance approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Together Personal Finance)which states that a local authority search be not more than 6 months old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Together Personal Finance.
Whilst your website is a good idea there are many lawyers listed near Middlesbrough on the Together Personal Finance conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the Together Personal Finance approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
What happens if my solicitor is suspended from the Together Personal Finance Solicitor panel before completion?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
Hi, thinking about buying a house off my mate. Once we agree a price, 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.
My fiance and I are at the point of looking at apartments and am about to put in an offer. Should I already have a conveyancer appointed at this stage? I intend to finance via a home loan with Together Personal Finance
You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with Together Personal Finance , ask your prospective lawyers check they are on the Together Personal Finance conveyancing panel otherwise they can't do the mortgage legal work.
Planning on purchasing a house with a mortgage with Together Personal Finance. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Together Personal Finance conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Together Personal Finance conveyancing panel