LENDER HANDBOOK
Lender Handbook changes, caught before exchange.
The UK Finance Lender Handbook Part 2 is scanned four times a day. You get a clear report of what changed for your lender, or confirmation that nothing did.
RISK
Lenders change their requirements without telling you
A lender can update its Part 2 requirements at any hour of any day, and UK Finance keeps no record of when. Miss a change before you submit the Certificate of Title and you risk non-compliance, a professional indemnity claim, removal from the lender’s panel, or SRA action.
Can changeAt any time
MONITOR
Checked four times a day, so you don’t have to
The LC-5 report scans the UK Finance Part 2 database four times a day and shows only what changed for the lender on your transaction. No more reading the full handbook before every exchange.
Scanned4 times a day
COMPARE
Old and new wording, side by side
When a requirement changes, you see the previous and the current wording next to each other. When nothing has changed, the report says so, which is a compliance record in itself.
Wording shownSide by side
REFRESH
Refresh it up to five times a case
Run it on instruction and again before exchange. If the transaction runs long, open the order in Casera and press refresh to check for changes since you last looked.
Included5 checks
RECORD
The compliance record CQS asks for
The CQS practice notes now require firms to hold compliance records for Part 2 requirements before exchange. Each report is that record: clear, dated, and stored on your Casera case automatically.
On file beforeExchange
WHAT YOU GET
A dated record for every lender check
Stored on the same Casera case as the rest of the transaction.
In every report
What you need on file before you submit the Certificate of Title.
- The changes to your lender’s Part 2 requirements, clearly highlighted
- A no-change confirmation when nothing has moved
- Any lender listed in the UK Finance Handbook
- A dated, auditable record for CQS and your PI insurer
When to run it
Each report covers the life of the transaction, so you can check as often as the timeline needs.
- On instruction
- Before exchange of contracts, as a minimum
- At any point in between if the transaction runs long
- Up to five checks per case are included
Run by Navro
The LC-5 report is produced by Navro, developed by conveyancers for conveyancers. It is ordered, refreshed and stored through Casera, and if there is ever a query, Casera is your single point of contact.
Responsive, proactive and genuinely helpful
The team are responsive, proactive and genuinely helpful, which makes a real difference in a busy conveyancing environment. Casera has made an already important part of the transaction feel far more streamlined and reliable.
Waqaas AzamResidential Conveyancer, MS LawExactly the service we need
We highly rate Casera's service. In the event we have any queries, it is always very simple and straight forward to speak to a member of their team and get it is resolved then and there. Exactly the service we need.
Kieran FarrowConveyancing Solicitor, Forster Dean SolicitorsAn absolute pleasure to deal with
I have worked with Casera since it was first established, and they have been an absolute pleasure to deal with. I would highly recommend Casera to any property lawyer.
Paula HanlonHead of Commercial Property, Gregory Abrams Davidson SolicitorsFrequently asked questions
Everything you need to know about ordering Lender Handbook checks through Casera.
Lender Handbook
What is the UK Finance Lender Handbook, and what is Part 2?
The handbook sets out the instructions mortgage lenders give to the conveyancers acting for them. Part 1 holds the instructions common to all lenders. Part 2 holds each lender’s own requirements. Part 2 is the part that changes, and the part this report monitors.
Why do I need this if I already check the UK Finance Handbook myself?
Lenders can change their Part 2 requirements at any time, and UK Finance does not notify you or keep a log of when changes are made. Checking the full handbook by hand before every exchange is slow and easy to get wrong. The LC-5 report scans the database four times a day and presents only the changes relevant to your lender.
When should I run a check?
At a minimum, before exchange of contracts. Best practice is to run one on instruction and again before exchange. Each report allows up to five checks per case, so you can refresh if the transaction runs longer than expected.
Which lenders are covered?
Any lender listed in the UK Finance Lender Handbook.
How does this help with CQS?
The CQS practice notes require firms to hold compliance records for Part 2 requirements before exchange. The report is exactly that: a clear, dated, auditable record of what you checked and what the lender required at that point.