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The Mortgage Lender Conveyancing Panel: Recently Asked Questions
my firm is on the The Mortgage Lender conveyancing panel. Can I get an archived copy of a The Mortgage Lender Part 2 from the CML?
The CML do not retain duplicates of P2 conditions Pre January 2011. We would advise that you make a request of The Mortgage Lender directly.
Being on the The Mortgage Lender conveyancing panel how long am I obliged to keep hold of the complete conveyancing file?
The Council of Mortgage Lender requirements of
The Mortgage Lender are silent on this. Most mortgage companies address the question of file retention via their Terms of panel appointment where they generally provide that for evidential purposes, the firm must keep the file for at least of 6 years from the date of the mortgage. Data imagining is normally
suitable compliance with this requirement. Many lenders point out in
that it is the practice of some fraudsters to demand the conveyancing
file on completion in order to destroy evidence that may later be
used against them. It is therefore important to retain these
documents to protect The Mortgage Lender’s interest. To be
absolutely sure of The Mortgage Lender requirements in this regard
please check the Terms and Conditions of The Mortgage Lender’s
conveyancing panel membership.
My PI renewal application this year contained the following question: ‘Has your Firm been asked by a lender to agree to more onerous terms and conditions than provided for in the UK Finance Lenders’ Handbook?’ My firm is on the majority of lender panels including the
The Mortgage Lender conveyancing panel. We have Terms and Conditions of appointment which we are duty bound to comply with. Am I supposed to mention these Terms ?
The concern here is if you are expect to enter into ‘more onerous’ conditions that than the Handbook obligations.
You have to try and take an objective view as to whether the Terms relating to the
The Mortgage Lender conveyancing appointment (or other terms for other lenders) are ‘more onerous’ than the UK Finance Lenders’ Handbook Conditions. Depending on the Terms you may need to provide details on your renewal form. If you are in any doubt please call your broker to discuss before completing the answer.
Every so often I read a LENDERmonitor email but I rarely see change of note. For example, My firm on the
The Mortgage Lender conveyancing panel and receive a notification only advising of a change of address. Isn't that just noise?
It is important that you take note of such changes because sending a communication or deeds to the wrong address can cause delays that might not only affect your borrower client but also affect your ability to remain on the
The Mortgage Lender solicitor panel. Lets say that The Mortgage Lender change their requirements as to where the post completion documents should be sent.
Do you change the details in your case management system? Do you make a note? Is this communicated to the staff? In your Certificate of Title to The Mortgage Lender you are giving assurances that you will send the relevant documents within 10 days of receiving the TID. Leaving to one side whether you are in breach of an undertaking in sending it to the wrong address, you run the risk of
The Mortgage Lender suspending you off the panel because they are not receiving the deeds in accordance with the COT. It will not be a valid excuse to say that you sent it to an address that is no longer valid.
Our membership of the
The Mortgage Lender conveyancing panel was suspended but was reinstated on appeal, do I need to disclose this information on my application for CQS accreditation?
We would recommend that you provide details of the date of removal, information on the reason for
removal, date of appeal and any reason given for reinstatement. This
should not adversely impact your application but gives the Law Society a complete picture of what has occured.
Our practice is on the
The Mortgage Lender
conveyancing panel and scheduled to complete a remortgage within the next week. I can not locate a Legal Charge for the client to execute.
Who do I contact at The Mortgage Lender to get a duplicate Deed?
You need to communicate with The Mortgage Lender
to obtain standard documents. The The Council of Mortgage Lenders Handbook includes an express question for lenders to enumerate who to contact to obtain standard documents.
The Mortgage Lender in their Part 2’s state:
Please remember to disclose the firm’s The Mortgage Lender conveyancing panel number.
Find a Lawyer on the The Mortgage Lender Conveyancing Panel
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Average number of days to register title including a charge in favour of The Mortgage Lender
This information relates to purchase only and not remortgages.
| Year | Days* |
|---|---|
| 2026 | [no data] |
| 2025 | [no data] |
| 2024 | [no data] |
| 2023 | [no data] |
| 2022 | [no data] |
| 2021 | [no data] |
* Data aggregated from sources including COMPLETIONmonitor
Other related topics:
- CQS policy templates and procedures for accredited The Mortgage Lender Firms
- Draft Report on Title precedent for The Mortgage Lender borrowers
- Draft Anti Money Laundering PolicyTemplate for The Mortgage Lender panel firms to consider
- Dealing with Lender Policy Template panel for CQS accredited firms on the The Mortgage Lender lender panel
- Buy-to-Let help for The Mortgage Lender
- Consent-to-Let help for The Mortgage Lender
- Contractor Mortgages with The Mortgage Lender
