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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

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This software assists the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on Zephyr Mortgages’s changes. Notwithstanding that using this technology 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 application to their lender panel and, just as importantly, protect your panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces regulatory and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, leads to a PII saving.

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, frequently:

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.

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Common questions asked concerning the Zephyr Mortgages Conveyancing Panel from members of the public

My mortgage broker has has requested my lawyer’ panel member for the Zephyr Mortgages conveyancing panel. What is the best way to discover this. I have called my local Zephyr Mortgages branch but they don't know it.
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 Mortgages.
Expecting to move into my new home next Monday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for Zephyr Mortgages. What does the insurance need to cover?
All property lawyers on the Zephyr Mortgages conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Zephyr Mortgages’s Part 2 requirements of the CML Handbook (last updated on Zephyr Mortgages). Being on the Zephyr Mortgages conveyancing panel your lawyer is expect to follow these instructions.
Your search tool is useful but there are many lawyers listed near London on the Zephyr Mortgages conveyancing panel. Can you recommend a specific firm on the Zephyr Mortgages approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I am buying a new build flat and getting a mortgage with Zephyr Mortgages. How practical is it for me to do the 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'm spending time looking at houses and now considering a potential offer. Is it best to have a conveyancer on ‘stand by’? I will be getting a mortgage with Zephyr Mortgages
You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use 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.
I have paid off my mortgage with Zephyr Mortgages. I assume I don't need a solicitor on the Zephyr Mortgages panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Zephyr Mortgages mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Zephyr Mortgages mortgage from the register. Zephyr Mortgages,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Zephyr Mortgages has sent the Land Registry the discharge electronically, and the Zephyr Mortgages has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Zephyr Mortgages mortgage has been paid off.
I have a mortgage with Zephyr Mortgages. Conveyancing was finalised 12 months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Zephyr Mortgages?
Your original mortgage agreement with Zephyr Mortgages will provide that you need their approval before letting out your property as this is likely to be a breach of Zephyr Mortgages’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Zephyr Mortgages directly. It should not be necessary to do this via a Zephyr Mortgages conveyancing panel lawyer.

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