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Zephyr Mortgages 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 Zephyr Mortgages Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Zephyr Mortgages 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 professional indemnity insurers. It is a unique risk mitigation 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 notifications given on Zephyr Mortgages’s changes. While using the tool is not a prerequisite for Zephyr Mortgages , demonstrating you can stay up to date with Zephyr Mortgages’s Handbook requirements is a helpful support to your panel application and, more importantly, safeguard your firm’s panel standing.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Zephyr Mortgages

Lenders frequently change their requirements. The UK Finance Lenders’ Handbook requirements from Zephyr Mortgages 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, Zephyr Mortgages has made 67 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 40.7 days. In total, 30% of the sections of P2 of the UK Finance Lenders’ Handbook for Zephyr Mortgages have been changed since 15/12/2008.

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Q and A’s regarding the Zephyr Mortgages Conveyancing Panel from members of the public

I would like to know the reason why all solicitors aren't included on the Zephyr Mortgages Conveyancing panel?
Lenders point to the fact that solicitor-led fraud is thought to be responsible for millions of pounds of fraud every year. The removal of law firms off of lender panels started with the rise in mortgage fraud, which prompted a thematic review by the Financial Services Authority in 2011. Its outcome included recommendations for lenders to review their conveyancing panels, which kicked off a major policy change in the sector. It led to banks and building societies purging less reputable firms off their books
We are nearing an exchange and my parents having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Zephyr Mortgages. Apparently, being on the Zephyr Mortgages conveyancing panel and acting on their behalf he must inform Zephyr Mortgages if the balance of the mortgage advance is coming from anyone other than me. I disclosed to the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with Zephyr Mortgages to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Zephyr Mortgages if you agree, failing which, your lawyer must cease to continue acting.
I require the services of a Zephyr Mortgages panel solicitor in Stirling. Can you assist?
Unfortunately it’s not apparent why you need a Zephyr Mortgages panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Zephyr Mortgages to find out which solicitors in Zephyr Mortgages are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
I would like to get my ex-husband taken off the mortgage deeds. Can Zephyr Mortgages really tell me which solicitor I can or can not retain?
You can use any solicitor you like but Zephyr Mortgages then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Zephyr Mortgages solicitors panel
is it true that all solicitor firms on the Zephyr Mortgages conveyancing panel overseen by the SRA?
As a firm of solicitors, in order to be on the Zephyr Mortgages conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called Zephyr Mortgages on various occasions and told it wasn't a problem and they would lend. My solicitor - who is on the Zephyr Mortgages conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. I simply dont know who is right
Your lawyer has to follow the CML Handbook Part 2 requirements for Zephyr Mortgages. Unless your lawyer obtains specific confirmation in writing that Zephyr Mortgages will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Zephyr Mortgages to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
My offer on house has been accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What do I do now? When should I get the mortgage app going with Zephyr Mortgages?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Zephyr Mortgages conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Zephyr Mortgages and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.

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