About Lexure Contact us

Zephyr Mortgages Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

Card image cap
How can my firm apply to be on the Zephyr Mortgages Conveyancing Panel?
Check your firm’s panel Status
Card image cap
How can my firm be reinstated onto the Zephyr Mortgages Conveyancing Panel?
Check your firm’s panel Status

COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers such as AmTrust. It is a unique risk mitigation tool.

This system is the only way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Zephyr Mortgages’s changes. While using COMPLETIONmonitor is not a condition for being on the Zephyr Mortgages panel, demonstrating you can remain up to date with Zephyr Mortgages’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your firm’s panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces compliance and CQS reports, and will improve your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by Zephyr Mortgages

Banks and building societies frequently vary 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, over time:

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.

To find out more about lender panel compliance,
Book a Personalised Demo

Frequently asked questions relating to the Zephyr Mortgages Solicitor Panel from members of the public

For what reasons could a firm of solicitors be excluded from the Zephyr Mortgages solicitor panel?
According to a recent survey report by the solicitors regulator three quarters of law firms had been removed from a lender panel. The top reasons in order are :
  1. Low volume 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 Zephyr Mortgages
My son is about to exchange on a house that has just been built with a home loan from Zephyr Mortgages. His lawyer has said that there is a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties involved in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Zephyr Mortgages conveyancing panel as a standard part of the process, and to the surveyor when asked.

The Developer will be required to start the process by downloading the form and completing it.

The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Zephyr Mortgages conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

Are there any apps to help search for a local solicitor on the Zephyr Mortgages conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the conveyancer.
Feel free to make use of the find a conveyancing panel search on this website. 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 Zephyr Mortgages solicitor panel.
We're in Wales, First timers buying with a mortgage (lender is Zephyr Mortgages , but our solicitor is on the Zephyr Mortgages conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Zephyr Mortgages 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
Is it the case that all solicitor practices on the Zephyr Mortgages conveyancing panel overseen by the SRA?
As 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).
I'm at the point of viewing apartments and now considering a potential offer. Is it premature to have a solicitor in place? I I am planning to take a home loan with Zephyr Mortgages
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Zephyr Mortgages , make sure you remember to check that your lawyer is on the Zephyr Mortgages conveyancing panel.
My ex -wife’s name is on the Zephyr Mortgages mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Zephyr Mortgages mortgage in order to sell?
As regards the Zephyr Mortgages mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Zephyr Mortgages in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.

Copyright © Lexsure Limited, 2026

Privacy