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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 property lawyers. It is supported by PI insurers. It is a unique risk mitigation tool.

This system facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Zephyr Mortgages’s changes. Even though using COMPLETIONmonitor is not a prerequisite for Zephyr Mortgages , demonstrating you can remain up to date with Zephyr Mortgages’s Handbook requirements is a helpful support to your panel application and, just as importantly, protect your firm’s panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces SRA 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

Banks and building societies often 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,
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FAQs : The Zephyr Mortgages Solicitor Panel from members of the public

How easy is it to change a solicitor as I need to find one who is on the Zephyr Mortgages conveyancing panel. Is it advisable to appoint a new law firm?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Zephyr Mortgages will not agree to this. Why was Zephyr Mortgages even consulted?
Your lawyer being on the Zephyr Mortgages conveyancing panel is duty bound to inform Zephyr Mortgages of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Zephyr Mortgages then they would have to discontinue acting for you and Zephyr Mortgages.
How do I search for a local solicitor on the Zephyr Mortgages conveyancing panel? I have a car and am prepared to travel up to 10 miles to meet the lawyer.
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.
Can you clarify what the consequences are if my solicitor is removed from the Zephyr Mortgages Solicitor panel before the completion date?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
My existing mortgage is with Zephyr Mortgages. My godfather has just retired and wants to pay off the mortgage left on the property. After Zephyr Mortgages is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Zephyr Mortgages conveyancing panel? I do not intend to live at the property once the Zephyr Mortgages mortgage is discharged.
Although you do need to retain the services of a lawyer they dont need to be on the Zephyr Mortgages panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. As the property is your main residence you need not pay CGT but you should speak with your accountants in any event.
Completion of my purchase has taken place with a mortgage from Zephyr Mortgages. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about Zephyr Mortgages. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the Zephyr Mortgages branches or the Customer Care Department at Zephyr Mortgages head office. In most cases complaints to Zephyr Mortgages are sorted out effectively and efficiently. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
Sometime soon me and my wife are taking a long lease of a house in Hendon. Conveyancing solicitors in Hendon will soon begiven the go-ahead. My friendadvised that we double-check that the solicitor in Hendon is on the Zephyr Mortgages list of approved conveyancing firms. Is this really necessary?
A limited percentage of Hendon conveyancing practices are on the Zephyr Mortgages conveyancing panel. 5 people a month use our search tool to search for a Hendon conveyancing solicitor on the on the Zephyr Mortgages list of approved conveyancing firms.

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