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CML Lenders' Handbook

Upcoming changes 8 June 2015: Changes will be made to the CML Lenders Handbook for Scotland with the introduction of the Land Registration (Scotland) Act 2012 and land and buildings transaction tax. There will also be an amendment to the requirements on good and marketable title. The amendments are in clauses 5.5.1, 10.4, 14.1, 14.2 and 15.1 and can be seen in the attached document. For full details of the changes see our press release

Minor changes will be made to the Handbooks for England and Wales and Northern Ireland on the same date to reflect the change of name of the Association of Building Engineers to the Chartered Association of Building Engineers.

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The CML Lenders' Handbook provides comprehensive instructions for conveyancers acting on behalf of lenders in residential conveyancing transactions. There is a Lenders' Handbook for each legal jurisdiction in the UK and all have a part 1 (general instructions) and part 2 (lender specific instructions).

The handbook for England & Wales also includes a part 3 which sets out standard instructions to be used where a conveyancer is representing the lender but not the borrower. Part 3 should be read in conjunction with parts 1 & 2. An example requirements letter to the borrower's conveyancer has also been developed for use in these circumstances. Further information can be found in the FAQs section.

Use the search below to select a jurisdiction and view the part 1 or part 2 individually or together. The part 3 can only be viewed individually but links are provided between the part 1 and part 3 where relevant. To view all lenders' responses to a specific question go to any lender part 2, find the question and click on 'View all answers'.

If a lender is not listed in the search they may not sign up to the Handbook and you should contact them direct. If you have any queries about the Handbook please view the FAQs section. See our Summary of amendments for previous versions of the part 1.

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