Together Personal Finance Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the Council of Mortgage Lenders and PI insurers. It is a unique risk management tool.

This software assists the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with alerts 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 an excellent support to your panel application and, just as importantly, safeguard your firm’s panel standing.

The software creates real-time alerts, automatically produces SRA and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to a PII saving.

Find a Law Firm approved by Together Personal Finance

Lenders 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

FAQs : The Together Personal Finance Conveyancing Panel from members of the public

I would like to know the reason why all UK lawyers are not on the Together Personal Finance Conveyancing panel?
Before the recession most lenders had an appetite for risk which was higher than today. The Financial Services Authority in 2010 conducted a thematic review into mortgage fraud which concluded: know the conveyancing solicitors that you are dealing with. Consequently, lenders have regularly sought more information from law firms about their operations and the individuals who work for them and set certain criteria such a completing on a minimum number of transactions. Many firms that have been excluded from lender panels have 100% healthy track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Such firms were never going to meet the criteria of volume of transactions the lenders required.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Together Personal Finance will not agree to this. Why was Together Personal Finance even consulted?
Your lawyer being on the Together Personal Finance conveyancing panel is duty bound to inform Together Personal Finance of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Together Personal Finance then they would have to discontinue acting for you and Together Personal Finance.
How do I find a local solicitor on the Together Personal Finance conveyancing panel? I have a car and am prepared to travel up to 25 kilometers to meet the conveyancer.
You can use the find a conveyancing panel search on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Together Personal Finance solicitor panel.
I am selling my house. Does my solicitor have to be on the Together Personal Finance conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Together Personal Finance conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
We were going to get a DIP from Together Personal Finance this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Together Personal Finance recommend a solicitor on the Together Personal Finance conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Together Personal Finance conveyancing panel. The solicitor represents both you and the Together Personal Finance through the process.
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called Together Personal Finance on various occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Together Personal Finance conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
As long as the conveyancer is on the Together Personal Finance panel she or he must comply with the CML Handbook requirements for Together Personal Finance. Unless your lawyer obtains specific confirmation in writing that Together Personal Finance will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Together Personal Finance to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
I am selling my apartment. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Together Personal Finance are being a right pain. The solicitor who is on the Together Personal Finance conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Together Personal Finance are insisting on a building regulation certificate. Why do Together Personal Finance have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Together Personal Finance have referred the matter to their valuer. The reason why Together Personal Finance may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.