Zephyr Mortgaages Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the Council of Mortgage Lenders and professional indemnity insures. It is a unique risk management tool.

This software assists the way you can demonstrate to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Zephyr Mortgaages’s changes. While using COMPLETIONmonitor is not a prerequisite for Zephyr Mortgaages , demonstrating you can stay up to date with Zephyr Mortgaages’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, protect your panel standing.

The software generates real-time alerts, automatically produces SRA and CQS reports, and will improve your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, leads to a PII saving.

Book a Zephyr Mortgaages Demo for this Panel Compliance Tool

Mortgage companies often change their requirements. The UK Finance Lenders’ Handbook requirements from Zephyr Mortgaages 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 Mortgaages has made 44 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 62.0 days. In total, 24% of the sections of P2 of the UK Finance Lenders’ Handbook for Zephyr Mortgaages have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
16.5.2 31/10/2018 CML
Deed of Variation
Contact details at Zephyr Mortgages for approved lawyers for confirming proposed deed of variation or agreement will not adversely affect Zephyr Mortgages
17.1.1 31/10/2018 CML
Redemption Statements
Contact details at Zephyr Mortgages for approved lawyers to request redemption statements .
17.2.1b 31/10/2018 CML
Evidence of Discharge of Mortgage
Do Zephyr Mortgages send the discharge via a DS 1 form or direct with the Land Registry?
4.3 31/10/2018 CML
Mortage valuation
Contact details at Zephyr Mortgages for approved lawyers where assumptions stated by the valuer are incorrect
4.5b 31/10/2018 CML
Certificates of Title
Contact details at Zephyr Mortgages for conveyancing panel/approved lawyers where COT should be sent
5.13.1 31/10/2018 CML
Balance of Monies
Contact details at Zephyr Mortgages for conveyancing panel lawyers where borrower is not providing balance of purchase price from funds/proposing to give second charge.
Insolvency Act Indemnity Insurance Deed of Gift Indemnity Insurance
5.16.2 31/10/2018 CML
Leasehold Conveyancing : Management Company
Contact details at Zephyr Mortgages for approved lawyers if unable to certify search entry on bankruptcy search does not relate to borrower.
6.13.1 31/10/2018 CML
Conveyancing Searches: Improvement or Repair Grants
Contact details at Zephyr Mortgages for approved lawyers to used where Zephyr Mortgages needs to be notified where property is affected by improvement/repair grant which will not be discharged.
6.6.1 31/10/2018 CML
Buy to Let Conveyancing
Contact details at Zephyr Mortgages for approved lawyers were the subject property is let/to be let and to check Zephyr Mortgages lend on buy-to-let.
5.2.1 31/10/2018 CML
Seller not registered
Contact details at Zephyr Mortgages for approved lawyers for where the seller is not the owner or registered proprietor and is not listed in the exceptions in the CML Handbook P1.

Last update 14/11/2018

Zephyr Mortgaages Conveyancing Panel : Questions and Answers from members of the public

My financial adviser has says he needs my law firm’s panel member for the Zephyr Mortgaages conveyancing panel. How do I obtain this. I have e-mailed my local Zephyr Mortgaages office but they cant find it on their system.
the sensible thing to do is ask for this information from your solicitor. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Zephyr Mortgaages.
We are only a couple days away from an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Zephyr Mortgaages. Apparently, being on the Zephyr Mortgaages conveyancing panel and acting on their behalf he must inform Zephyr Mortgaages if the balance of the mortgage advance is coming from anyone other than me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with Zephyr Mortgaages 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 Mortgaages if you agree, failing which, your lawyer must cease to continue acting.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Zephyr Mortgaages conveyancing panel. My lawyer has said that they are on the Zephyr Mortgaages 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 Mortgaages 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 Mortgaages solicitor panel.
I am purchasing a new build flat and getting a mortgage with Zephyr Mortgaages. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Zephyr Mortgaages 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 Mortgaages conveyancing panel in your location.
Do the majority of banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Zephyr Mortgaages conveyancing panel requirements are different to Zephyr Mortgaages’s conveyancing panel requirements.
I am buying a property where the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Zephyr Mortgaages be concerned
As you are obtaining a mortgage with Zephyr Mortgaages your lawyer must to check the Zephyr Mortgaages conveyancing instructions contained in the Part of CML Handbook for Zephyr Mortgaages . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Zephyr Mortgaages where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
Can I register a complaint to Zephyr Mortgaages about the lawyers being on the Zephyr Mortgaages conveyancing panel?
There is little point in complaining directly to Zephyr Mortgaages. Every solicitor firm 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 properly dealt with 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.