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Virgin 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 Virgin Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Virgin Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This software is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on Virgin’s changes. Notwithstanding that utilising the tool is not a condition for being on the Virgin panel, demonstrating you can remain up to date with Virgin’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, safeguard your panel standing.

The system generates real-time alerts, automatically produces COLP and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by Virgin

Mortgage companies often vary their requirements. The UK Finance Lenders’ Handbook requirements from Virgin 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


Since 2008, Virgin has made 1167 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.3 days. In total, 87% of the sections of P2 of the UK Finance Lenders’ Handbook for Virgin have been changed since 15/12/2008.

To find out more about lender panel compliance,
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Frequently asked questions relating to the Virgin Solicitor Panel from members of the public

My mortgage broker has has requested my lawyer’ panel member for the Virgin conveyancing panel. Can you suggest how I obtain this. I have e-mailed my local Virgin office but they have not got back to me yet.
the sensible thing to do is ask for this information from your solicitor. 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 Virgin.
I am purchasing a newly constructed flat and my lawyer is advising me that she is duty bound to disclose incentives from the builder as her firm is on the Virgin conveyancing panel. The Estate Agents are hassling me to sign contracts and I would rather not prolong deal. Can I insist on an exchange regardless of what my lawyer says about being on the Virgin panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Virgin approved panel is to comply with the CML Handbook requirements (last updated for this lender on Virgin). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I am looking for online conveyancing estimates. Can I be assured that all the practices that are listed on your directory are on the Virgin conveyancing panel?
The solicitor and licensed conveyancing practices on our directory have advised us that they are on the Virgin panel and agreed to advise us to take down their listing in the event of removal off of the Virgin panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Virgin conveyancing panel is incorrect.
What happens if my lawyer’s firm is removed from the Virgin Solicitor panel before completion?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
My wife and I have arranged a further advance on our mortgage from Virgin as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Virgin conveyancing panel to deal with the legals?
Virgin do not ordinarily appoint firms on their conveyancing panel 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 Virgin list
Planning on purchasing a flat with a mortgage with Virgin. 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 Virgin 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 Virgin conveyancing panel
After shopping around on the internet I have found a solicitor having made sure that they are on the Virgin conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots 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 Virgin conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Virgin will need an independent valuation of the property. Your lawyer will not arrange this. Usually Virgin 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 Virgin you could contact your them to see if they have a list of approved surveyors.

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