Together Personal Finance Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. It is a unique risk management tool.

This system facilitates the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Together Personal Finance’s changes. Notwithstanding that using the software 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 panel application and, just as importantly, protect your firm’s panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces COLP and CQS reports, and will improve your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Together Personal Finance

Mortgage companies often 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, over time:

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

Much to my surprise I have been told by my mortgage adviser that my the law firm I have appointed is not on the Together Personal Finance Conveyancing panel. How can I check?
The best course of action for you to take is to contact your conveyancer. You lawyer should advise you what has happened. If they are not on the panel they may recommend you to a firm that is on the conveyancing panel for Together Personal Finance.
Expecting to move into my new home next Monday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in has capacity as lawyer for Together Personal Finance. What risks do Together Personal Finance expect the insurance to cover?
Any lawyer on the Together Personal Finance conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Together Personal Finance’s Part 2 requirements of the CML Handbook (last updated on Together Personal Finance). Being on the Together Personal Finance conveyancing panel your lawyer is expect to follow these instructions.
I note that you have a post code search directory identifying law firms on the Together Personal Finance conveyancing panel. Do firms pay you a referral fee if I instruct them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Together Personal Finance conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I was due to move into my first house two days ago. My solicitor is on the Together Personal Finance conveyancing panel but has moved offices 8 weeks ago and had not advised Together Personal Finance of their new address. Together Personal Finance has locked down the release of mortgage funds as the information from the solicitors isn't correct.
This is a rare situation indeed. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Together Personal Finance branch or your mortgage broker to see if they can assist.
I'm spending time viewing flats and am about to put in an offer. Is it premature to have a solicitor in place? I intend to finance via a mortgage with Together Personal Finance
It would be sensible to have your start your search soon rather than later. After you have chosen your lawyer 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.
Intending to buy a flat 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
After shopping around on the internet I have found a solicitor having checked that they are on the Together Personal Finance conveyancing panel. Does my lawyer arrange the survey of the property? Or I've digested plenty of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Together Personal Finance conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Together Personal Finance will need an independent valuation of the property. Your lawyer will not arrange this. Usually Together Personal Finance will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Together Personal Finance you could contact your them to see if they have a list of approved surveyors.