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Find an Approved Solicitor on the Ahli United Bank (UK) plc Conveyancing Panel

Q and A’s regarding the Ahli United Bank Solicitor Panel

The lawyer my husband and I wanted to use for conveyancing on a purchase said she will levy higher legal fees if my mortgage is with Ahli United Bank because of their unusual legal requirements. Will I regret using Ahli United Bank? Any comments will be appreciated
Ahli United Bank conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Ahli United Bank conveyancing panel. If they are not, this does add further risk of delay as Ahli United Bank will appoint their own solicitors to look after their interest.
Our conveyancer has discovered a legal deficiency with the lease for the property we are purchasing. The seller’s lawyers have suggested defective title insurance as a solution. We are happy with insurance and will pay for it. Our lawyer says that as he is on the Ahli United Bank conveyancing panel he must ensure that the lender is happy with this solution. Who is the client here, us or Ahli United Bank?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Ahli United Bank are the client. A precondition to being on the Ahli United Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Ahli United Bank). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Ahli United Bank 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.
Do all the licensed conveyancers and solicitor practices listed on your directory have online case tracking as I understood that this was a condition of being on the Ahli United Bank conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
Can you clarify what the consequences are if my lawyer’s firm is removed from the Ahli United Bank Conveyancing panel prior to the completion date?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
When it comes to mortgage companies such as Ahli United Bank do lawyers have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
Do the majority of banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Ahli United Bank conveyancing panel requirements are different to Ahli United Bank’s conveyancing panel requirements.
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Ahli United Bank be concerned
As you are obtaining a mortgage with Ahli United Bank your lawyer must to check the Ahli United Bank conveyancing instructions contained in the Part of CML Handbook for Ahli United Bank . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Ahli United Bank where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.