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Together Personal Finance Conveyancing Panel: Recently Asked Questions
I am hearing that agents are using online checkers to see if a firm is on a lender panel. Why?
Many estate agents will be suffering if their clients start out on the conveyancing process using a solicitor who is not on the panel with the purchaser’s chosen lender. Many
conveyancing firms are only discovering when they begin working on a
case that they are no longer able to work with that lender. Given
the inevitable resultant delays in the transaction the chances of an
abortive deal increases dramatically. in the circumstances there is
understandable anguish on the part of the estate agent as a result of
the lost time should the client have to change solicitors .
Do I face removal off the
Together Personal Finance conveyancing panel if I have not sent the title deed on a purchase within a certain period of completion?
One might ordinarily expect
Together Personal Finance via their Part Two requirements to address this but the Handbook is silent on deadlines to send deeds. Do look at the Terms of
Together Personal Finance’s Conveyancing Panel Appointment that you are bound by. For many lender's these Terms have a clause such as:
‘To keep us informed of the reasons for any delay in your being able to send the title deeds and documents we require to us within 3 months of completion or evidence of proof of registration within that period. (We will send reminders if the deeds have not been received but will not acknowledge receipt of deeds’ It is important to keep
Together Personal Finance updated.
Law firms can often compound their problems by not communicating with the lender when there is a delay or problem.
Can you give me an example of some of the reports available via COMPLETIONmonitor to support my application to be on the Together Personal Finance conveyancing panel
?
There are many reports available, five of which are as follows:
- Disclosure/Notification to Lender analysis indicating frequency and nature of disclosures - to include benchmarking analysis against aggregate data
- The percentage of the firm’s business which is conveyancing (broken down into sale/purchase and remortgage)
- Number of conveyancing cases by lender
- Current and historic missed priority dates
- Analysis as to the nature of clients (e.g.existing/new/seen in person)
Are there conditions,outside the UK Finance Part 2 requirements, that a firm should be aware of when on the Together Personal Finance conveyancing panel?
In order to be on the Together Personal Finance conveyancing panel solicitors have to complete an application form and agree Terms and Conditions. A sample of 5 conditions that we see amongst many lenders Terms (but not necessarily Together Personal Finance) are as follows:
- To keep us informed of the reasons for any delay in your being able to send the title deeds and documents we require to us within 3 months of completion or evidence of proof of registration within that period. (We will send reminders if the deeds have not been received but will not acknowledge receipt of deeds.)
- To be responsible for the reconstitution of the title deeds (whether the title is registered or unregistered, at your own cost), where any deeds in your possession, or were last known to be in your possession, go missing.
- That any deeds you borrow from us in connection with the personal mortgage of a partner or director at your firm must be requested by a partner or director other than the partner or director concerned and the transaction must be handled by that other partner or director. If you are a sole practitioner and require the loan of deeds in connection with your own mortgage, you must nominate a different firm on our panel to request the deeds and handle the transaction.
- If you are a sole practitioner, to arrange for appropriate locum cover from our panel where necessary. Your locum must be a member of the Conveyancing panel.
- To forward the title deeds and documents to another solicitor/conveyancer within 24 hours of an instruction from us requiring you to do so. On forwarding the deeds as instructed you will confirm to us that you have done so. Upon receipt of your confirmation, we will release you from all undertakings relating to your holding the title deeds.
Every so often I read a LENDERmonitor alert but I rarely see change of note. For example, My firm on the
Together Personal Finance conveyancing panel and receive a notification simply telling me 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
Together Personal Finance conveyancing panel. Is possible next month that Together Personal Finance 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? By virtue of your COT Together Personal Finance you are giving assurances that you will forward the deeds within 10 days of receiving the Title Information Document. Leaving to one side whether you are in breach of an undertaking in sending it to the wrong address, you run the risk of
Together Personal Finance 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 out of date postal address or DX details.
My firm has just been advised that it’s Together Personal Finance panel membership revoked but we have not yet been given a reason as to why.
I am completing a CQS renewal form what information should I put forward?
In this situation please explain on the application what action you have taken to discover the reasons behind cancellation of your
Together Personal Finance panel status.
In particular please provide details if you have received communications from the lender. E.G. before revocation of your panel membership did you receive any letters or calls from the lender informing you as to why they reached this decision?
Our practice is on the
Together Personal Finance
conveyancing panel and scheduled to complete a purchase within the next few weeks. My papers do not include a Mortgage Deed for the client to execute.
Who do I contact at Together Personal Finance to obtain duplicate documents?
You would be advised to communicate with Together Personal Finance
to obtain standard documents. The CML Handbook contains an express question for lenders to establish who to contact to obtain standard documents.
Together Personal Finance in their Part 2’s state:
It is likely that you will need to quote the firm’s Together Personal Finance conveyancing panel reference.
Find a Lawyer on the Together Personal Finance Conveyancing Panel
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Average number of days to register title including a charge in favour of Together Personal Finance
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 Together Personal Finance Firms
- Draft Report on Title precedent for Together Personal Finance borrowers
- Draft Anti Money Laundering PolicyTemplate for Together Personal Finance panel firms to consider
- Dealing with Lender Policy Template panel for CQS accredited firms on the Together Personal Finance lender panel
- Buy-to-Let help for Together Personal Finance
- Consent-to-Let help for Together Personal Finance
- Contractor Mortgages with Together Personal Finance
