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approved by AtomBank

Atom Bank and other banks ordinarily restrict either the type or the number of conveyancing practices on their panel. Typical examples of such restriction(s) being that a firm must have two or more partners. In addition to restricting the type of firm, some have decided to limit the number of firms they use to represent them. You should note that Atom Bank have no responsibility for the quality of advice provided by any member of Atom Bank Conveyancer Panel. Mortgage fraud was a key driver in the rationalisation of conveyancing panels a few years ago and whilst there are differing views about the extent of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that thousands of law firms only carry out one or two conveyances a year. Those supporting conveyancing panel cuts ask why law firms should have the right to be on a Lender panel when clearly, Conveyancing is not their speciality? To put it another way; would you want a conveyancing solicitor to represent you if you were charged with a crime; probably not.

A precondition to being on the Atom Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Atom Bank) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

We are a listing service only for law firms wishing to communicate if they are on the Atom Bank conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.

You can use any solicitor you like but Atom Bank then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Atom Bank solicitors panel

As a firm of solicitors, in order to be on the Atom Bank conveyancing panel they would need to be regulated by the SRA. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).

It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Atom Bank conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Atom Bank and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.

Not all Hendon conveyancing firms are on the Atom Bank conveyancing panel. Use the above search tool to find a Hendon conveyancing solicitor on the on the Atom Bank approved list of lawyers.