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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

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

This software optimises the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Zephyr Mortgages’s changes. While using the software 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 an excellent support to your panel application and, more importantly, protect your firm’s panel standing.

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

Find a Law Firm approved by Zephyr Mortgages

Mortgage companies often 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, 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,
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Examples of recent questions relating to the Zephyr Mortgages Solicitor Panel from members of the public

Am I correct in assuming that the fact that my conveyancer is not on the Zephyr Mortgages Solicitor panel that there is a problem with the standard of the firm’s conveyancing?
It would not be wise to jump to that conclusion. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal 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. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for Zephyr Mortgages.
My nephew is about to exchange on a new build apartment with a home loan from Zephyr Mortgages. His lawyer has advised him of a delay in completing the ‘Disclosure of Incentive Form’. Who needs to receive the form?
The document is intended to provide information to the main parties involved in the purchase. 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 requested.

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.

I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Zephyr Mortgages conveyancing panel. My lawyer has said that they are on the Zephyr Mortgages 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 Zephyr Mortgages 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 Zephyr Mortgages solicitor panel.
I am buying a new build flat and getting a mortgage with Zephyr Mortgages. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Zephyr Mortgages conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Zephyr Mortgages conveyancing panel in your location.
Do conveyancing solicitors on the Zephyr Mortgages conveyancing panel work on a no move no charge basis?
In the main there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
My fiance and I are in the process of viewing houses and now considering a potential offer. Should I already have a conveyancer appointed at this stage? I I am planning to take a home loan with Zephyr Mortgages
It would be sensible to have your start your search soon rather than later. 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 , ask your prospective lawyers check they are on the Zephyr Mortgages conveyancing panel otherwise they can't do the mortgage legal work.
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Zephyr Mortgages. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Zephyr Mortgages you will need to appoint a solicitor on the Zephyr Mortgages conveyancing panel.

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