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approved by Tipton Coseley B.S.
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How does my firm apply to be on the Tipton Coseley Building Society Conveyancing Panel? How can my firm be reinstated onto the Tipton Coseley Building Society Conveyancing Panel?Find an Approved Solicitor on the Tipton Coseley Building Society Conveyancing Panel
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I instructed a solicitor to conduct the legal paperwork on my house purchase 5 weeks ago having applied for a mortgage with Tipton Coseley Building Society. The solicitors assured me that they are on Tipton Coseley Building Society conveyancing panel and provided me their panel reference. Tipton Coseley Building Society then told me that their panel number was dormant and would need to be reactivated. What do I do from here? Should I appoint a new solicitor listed on the conveyancing panel for Tipton Coseley Building Society?
The answer depends on whether you still have confidence in the said solicitors and how long it will take for the firm to be reinstated on the Tipton Coseley Building Society conveyancing panel You may wish to enlist the help of your broker to check with the Tipton Coseley Building Society as to how long they think it will take to get the firm to get back on the panel.
Our lawyer has discovered a defect with the lease for the flat we are buying. The other side have offered title insurance as a solution. We are happy with insurance and will cover the costs. Our solicitor has advised that as he is on the Tipton Coseley Building Society conveyancing panel he must check that the lender is happy with this solution. Are we the client or is Tipton Coseley Building Society?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Tipton Coseley Building Society are the client. A precondition to being on the Tipton Coseley Building Society approved panel is to comply with the CML Handbook requirements (last updated for this lender on Tipton Coseley Building Society). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Tipton Coseley Building Society can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . 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.
I am purchasing a flat and require a conveyancing solicitor in Liverpool who is on the Tipton Coseley Building Society conveyancing. Can you recommend a local firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Tipton Coseley Building Society . We don’t recommend any particular firm.
I am attempting to get my ex-husband removed the mortgage deeds. Can Tipton Coseley Building Society really insist on which solicitor I can or can not use?
You can use any solicitor you like but Tipton Coseley Building Society 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 Tipton Coseley Building Society solicitors panel
Is there a list of Tipton Coseley Building Society panel conveyancers on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
I have paid off my mortgage with Tipton Coseley Building Society. I assume I don't need a solicitor on the Tipton Coseley Building Society panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Tipton Coseley Building Society mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Tipton Coseley Building Society mortgage from the register. Tipton Coseley Building Society,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the Tipton Coseley Building Society has sent the Land Registry the discharge electronically, and
the Tipton Coseley Building Society has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Tipton Coseley Building Society mortgage has been paid off.
I currently have a mortgage with with Tipton Coseley Building Society. Conveyancing has been completed 12 months ago. In the event that I decide to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Tipton Coseley Building Society?
Tipton Coseley Building Society must be informed of your intention in advance of renting your property as this is likely to be a breach of Tipton Coseley Building Society’s mortgage conditions. It may be that Tipton Coseley Building Society will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Tipton Coseley Building Society directly. You need not do this via a Tipton Coseley Building Society conveyancing panel solicitor.