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RBS - Virgin One Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the RBS - Virgin One Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the RBS - Virgin One Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. COMPLETIONmonitor is a unique risk mitigation tool.

This software assists the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with alerts on RBS - Virgin One’s changes. Even though using the tool is not a condition for being on the RBS - Virgin One panel, demonstrating you can stay up to date with RBS - Virgin One’s Handbook requirements is a helpful support to your panel application and, more importantly, safeguard your panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces compliance and CQS reports, and will improve your firm's efficiency. It is also simply to use, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by RBS - Virgin One

Lenders often vary their requirements. The UK Finance Lenders’ Handbook requirements from RBS - Virgin One 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


Since 2008, RBS - Virgin One has made 285 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 9.6 days. In total, 57% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS - Virgin One have been changed since 15/12/2008.

To find out more about lender panel compliance,
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RBS - Virgin One Solicitor Panel Sample Enquires to our Call Center from members of the public

It has come to my attention via my broker that my solicitor is not on the RBS - Virgin One Conveyancing panel. How can I check?
You need to contact your lawyer directly. You lawyer should advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the the approved RBS - Virgin One solicitor panel.
can you help? My lawyer is informing me me that she is duty-bound to order a Local Authority search because the firm are on the RBS - Virgin One conveyancing panel. Is this really necessary?
You have limited options available to you. As you are taking a mortgage with RBS - Virgin One your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of RBS - Virgin One’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated RBS - Virgin One. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Your search tool is useful but there are many lawyers listed near Manchester on the RBS - Virgin One conveyancing panel. Can you recommend a specific firm on the RBS - Virgin One 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..
We're in Wales, First timers buying with a mortgage (lender is RBS - Virgin One , but our solicitor is on the RBS - Virgin One conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the RBS - Virgin One 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
I had instructed online solicitors located in Birmingham who are on the RBS - Virgin One solicitor panel. They are now charging me a separate fee of £175 for the legal aspects of the RBS - Virgin One mortgage. Is this a supplemental conveyancing fee specified by RBS - Virgin One?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by RBS - Virgin One but by your lawyers. Some firms on the RBS - Virgin One will charge an ‘acting for lender’ fee and others do not.
Why might a lender such as RBS - Virgin One withdraw a mortgage offer?
Banks and Building Societies such as RBS - Virgin One can revoke their mortgage offer although this rarely happens. In the unlikely event that RBS - Virgin One withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are various possible reasons but here are a few examples:
  • Many mortgage offers have an expiry date. Your lawyer should check this. RBS - Virgin One may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
  • If the borrower informs RBS - Virgin One of a change in the loan amount agreed
  • Following advice from the valuer on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
  • Where the lender has to take account a recent change in law
  • Where the Lender’s right to possession is fettered in some way
Intending to buy a house with a mortgage with RBS - Virgin One. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the RBS - Virgin One 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 RBS - Virgin One conveyancing panel

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