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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

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers. It is a unique risk management tool.

This software assists the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Virgin’s changes. Notwithstanding that utilising this technology is not a prerequisite for Virgin , demonstrating you can stay up to date with Virgin’s Handbook requirements is a helpful support to your panel application and, more importantly, protect your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces SRA and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for many firms, leads to reduced PII premiums.

Find a Law Firm approved by Virgin

Lenders 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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Common questions asked concerning the Virgin Conveyancing Panel from members of the public

On what basis would a firm of solicitors be removed from the Virgin approved conveyancing panel?
According to a recent survey report by the solicitors regulator three quarters of law firms had been removed from a lender panel. The most common reasons in order are :
  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. We are not aware of the specific or common criteria for removal by Virgin
Can you clarify something for me?. For no fault of my lawyer but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from Virgin was date stamped random date and we have agreed a date for me to move into the property on 6 months + 3. My lawyer informs me that as she is on the Virgin conveyancing panel she needs to reorder the searches as they are no longer valid.
One of the many conditions to being on the Virgin approved panel is to comply with the CML Handbook requirements (last updated for this lender on Virgin)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 Virgin.
What tools are available to find a local solicitor on the Virgin 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 tool 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 Virgin solicitor panel.
I am selling my house. Does my solicitor have to be on the Virgin conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Virgin 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.
Hi, thinking about buying a house off my mate. Assuming we can agree a figure, what’s the best way to move forward? I hope to get a mortgage with Virgin. Is it possible to avoid using solicitors to save on the costs? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Virgin involved you will need to appoint a solicitor on the Virgin conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Virgin. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Virgin conveyancing panel.
In what circumstances might Virgin amend or withdraw their mortgage offer?
Lenders such as Virgin can revoke their mortgage offer although this rarely happens. If Virgin withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are 5 examples:
  • Virgin may amend or withdraw an offer if the Virgin conveyancing panel solicitor is unable to confirm compliance with any of the conditions of the mortgage offer or if any of the terms of the mortgage offer cannot be satisfied
  • Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Virgin conveyancing panel solicitors would be obliged to notify Virgin of a change in the price of the property.
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where the sale is not at arms length for value to unconnected persons
  • If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;
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 digested plenty 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 Virgin conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
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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