Whistletree Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk mitigation tool.

This software optimises the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Whistletree’s changes. While utilising the software is not a condition for being on the Whistletree panel, demonstrating you can remain up to date with Whistletree’s Handbook requirements is an excellent support to your panel application and, just as importantly, protect your firm’s panel status.

The system creates real-time alerts, automatically produces compliance and CQS reports, and will improve your firm's efficiency. It is also user friendly, cost-effective and, for many firms, results in reduced PII premiums.

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Banks and building societies often vary their requirements. The UK Finance Lenders’ Handbook requirements from Whistletree 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, Whistletree has made 8 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 341.2 days. In total, 2% of the sections of P2 of the UK Finance Lenders’ Handbook for Whistletree 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 Whistletree Solicitor Panel from members of the public

My wife and I are first time buyers. Within the last couple of days our solicitor has forwarded the sale agreement to sign with a detailed report with the expectation that exchange is imminent. Whistletree have this morning contacted us to inform me that there is now an issue as our conveyancer is not on their conveyancing panel. Please explain?
If you are buying a property with the assistance of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.

In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your property lawyers should contact Whistletree and see if they can apply for membership of the Whistletree conveyancing panel, but if that is not viable Whistletree will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on the Whistletree conveyancing panel and you may continue to use your own solicitors, in which case it will likely add costs, and it will likely delay the transaction as you have another set of people involved.

Can you clarify something for me?. My lawyer is not to blame but, my purchase conveyancing has been going on for months. The Local Authority Search from Whistletree was dated random date and we have agreed a date for me to move into the property on Tues etc. My solicitor has advised that as she is on the Whistletree conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
One of the many conditions to being on the Whistletree approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Whistletree)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 Whistletree.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Whistletree conveyancing panel. My lawyer has said that they are on the Whistletree approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Whistletree conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Whistletree solicitor panel.
I am considering applying for a Whistletree mortgage for purchase of a newly converted (under development) with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Whistletree?
There is nothing to stop you using your solicitor but Whistletree will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
We are getting a further advance on our mortgage from Whistletree as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Whistletree conveyancing panel to deal with the paperwork?
Whistletree do not ordinarily instruct 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 Whistletree panel
The mortgage over my property is with Whistletree. Conveyancing has been completed a year ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Whistletree?
Whistletree must be informed of your intention in advance of renting your property as this is likely to be a breach of Whistletree’s mortgage conditions. It may be that Whistletree will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Whistletree directly. You need not do this via a Whistletree conveyancing panel solicitor.
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a Whistletree conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to Whistletree about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is addressed by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.