Together Personal Finance Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and professional indemnity insures. COMPLETIONmonitor is a unique risk management tool.

This software facilitates the way you can demonstrate 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 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 application to their lender panel and, more importantly, protect your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces SRA and CQS reports, and will improve 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 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,

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

My mortgage broker has says he needs my lawyer’ panel member for the Together Personal Finance conveyancing panel. Can you suggest how I discover this. I have tried my local Together Personal Finance office but they have not responded to me.
Have you tried speaking to your lawyer about this?. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Together Personal Finance.
Can you clarify something for me?. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Together Personal Finance was dated 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that as she is on the Together Personal Finance conveyancing panel she needs to reorder the searches as they are now out of date.
A precondition 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 specifies 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.
What tools are available to find a local solicitor on the Together Personal Finance conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the lawyer.
You can use the find a conveyancing panel search on this website. 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.
We're in Wales, First timers buying with a mortgage (lender is Together Personal Finance , but our solicitor is on the Together Personal Finance conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Together Personal Finance conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Do most banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Together Personal Finance conveyancing panel requirements are different to Together Personal Finance’s conveyancing panel requirements.
I am buying a property where the roof has a solar panel. Together Personal Finance have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Together Personal Finance your lawyer must to check the Together Personal Finance conveyancing instructions contained in the Part of CML Handbook for Together Personal Finance . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Together Personal Finance where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
I have instructed a lawyer having made sure that they are on the Together Personal Finance conveyancing panel. Does my lawyer arrange the survey of the property? Or I've read lots of house buying,I note that it is considered advisable to 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 correct?
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.