Together Personal Finance Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk mitigation tool.

This software optimises the way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Together Personal Finance’s changes. While utilising the software is not a prerequisite for Together Personal Finance , demonstrating you can stay up to date with Together Personal Finance’s Handbook requirements is an excellent support to your panel application and, just as importantly, safeguard your firm’s panel standing.

The software generates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by Together Personal Finance

Banks and building societies 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, over time:

A Timeline of Policy Changes


To find out more about lender panel compliance,

Book a Personalised Demo

Frequently asked questions relating to the Together Personal Finance Solicitor Panel from members of the public

Is the fact that my conveyancer is not on the Together Personal Finance Solicitor panel that there is a problem with the standard of her work?
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 Together Personal Finance.
My wife and I are refinancing our flat with Together Personal Finance. We have a son 19 who lives with us. The solicitor on the Together Personal Finance conveyancing panel requested us to identify anyone over the age of 17 other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the flat is repossessed. I have two questions (1) Is this document specific to the Together Personal Finance conveyancing panel as he did not need to sign this form when we remortgaged 3 years ago (2) Does our son by signing this giving up his rights to inherit the property?
First, rest assured that your Together Personal Finance conveyancing panel solicitor is doing the right thing 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.

I note that you have a search directory listing solicitors on the Together Personal Finance conveyancing panel. Do firms pay you a commission if I appoint them for my house purchase?
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.
The firm that I recently instructed on my purchase in London has suddenly closed. They were on acting for me because I had to have a lawyer on the Together Personal Finance conveyancing panel and my preferred lawyer was not. I gave them a cheque for £150 in advance. What do I do now?
Assuming that you have an Estate Agent in the equation then let them know immediately so that they advise the vendors that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the Together Personal Finance conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors should be in a position to help
Can I be sure that the solicitor on the Together Personal Finance panel is any good?
seeking recommendations is a good start. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor carrying out your conveyancing
My wife and I have arranged a further advance on our mortgage from Together Personal Finance as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the Together Personal Finance conveyancing panel to deal with the paperwork?
Together Personal Finance do not ordinarily instruct a member of their approved list of lawyers to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Together Personal Finance list
Next month my fiance and I are acquiring a 1st floor apartment in Hendon. Conveyancing solicitors in Hendon will soon begiven the go-ahead. My colleaguerecommended that we make sure that the conveyancing practitioner in Hendon is on the Together Personal Finance approved list of lawyers. Surely I don't need to do this, do I?
Far from all Hendon conveyancing practices are on the Together Personal Finance conveyancing panel. Click here to search for a Hendon conveyancing lawyer on the on the Together Personal Finance solicitors pane.