Zephyr Mortgages Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers. It is a unique risk mitigation tool.

This system optimises the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Zephyr Mortgages’s changes. Notwithstanding that utilising this technology is not a condition for being on the Zephyr Mortgages panel, demonstrating you can stay 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 panel standing.

COMPLETIONmonitor generates real-time alerts, automatically produces SRA and CQS reports, and will improve 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

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 46 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 59.3 days. In total, 25% 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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Recent Changes Include

# Date Assoc. Changes Related To
5.4.6 05/06/2019 CML Local Search Indemnity Insurance
16.5.2 31/10/2018 CML
5.14.1 31/10/2018 CML
5.14.9 31/10/2018 CML
6.12.1 31/10/2018 CML
6.6.2 31/10/2018 CML
6.8.1 31/10/2018 CML Adoption of Road or Sewer Indemnity Insurance
6.9.1 31/10/2018 CML Unknown Rights and Easements Indemnity Insurance
7.4 31/10/2018 CML
5.7.1c 31/10/2018 CML Flying Freehold Indemnity Insurance

Last update 10/09/2019

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

I have been advised by my broker that I have to pay Zephyr Mortgages fees should I instruct my family lawyer. How good are the Zephyr Mortgages conveyancing panel solicitors? I dont care which law firm I use as long as they're good and reasonably priced. Would you recommend a specific law firm on the Zephyr Mortgages panel?
Zephyr Mortgages’s conveyancing panel is pretty large so your best bet is just to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Zephyr Mortgages will allow to act for them.
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.
What tools are available to search for a local solicitor on the Zephyr Mortgages conveyancing panel? I have a car and am prepared to travel up to 20 miles 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.
I am purchasing a right to buy 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.
I recently had an offer accepted on a house. My mortgage broker pressured me to appoint their lawyers I paid an upfront payment of 225. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Zephyr Mortgages conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Zephyr Mortgages panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I am due to exchange contracts on my house. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Zephyr Mortgages are being difficult. The solicitor who is on the Zephyr Mortgages conveyancing panel is saying indemnity insurance will be fine but Zephyr Mortgages are requiring a building regulation certificate. Why do Zephyr Mortgages have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Zephyr Mortgages have referred the matter to their valuer. The reason why Zephyr Mortgages may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
I was told three weeks ago that my mortgage has been agreed to by Zephyr Mortgages. Is it usual for Zephyr Mortgages to only issue the offer once my solicitor is approved on their conveyancing panel?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Zephyr Mortgages to deal with your lawyers application to be on the Zephyr Mortgages conveyancing panel. There's no guarantee that your solicitors will be accepted.