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approved by AUB
Ready to buy a new home? Failing to check that a lawyer is on the AUB list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?How does my firm apply to be on the Ahli United Bank (UK) plc Conveyancing Panel? How can my firm be reinstated onto the Ahli United Bank (UK) plc Conveyancing Panel?
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Frequently asked questions relating to the Ahli United Bank Conveyancing Panel
My IFA has says he needs my law firm’s panel reference for the Ahli United Bank conveyancing panel. How do I obtain this. I have e-mailed my local Ahli United Bank branch but they don't know it.
Have you tried speaking to your lawyer about this?. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Ahli United Bank.
We are nearing an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Ahli United Bank. I am advised that, being on the Ahli United Bank conveyancing panel and acting on their behalf he must inform Ahli United Bank if the balance of the mortgage advance is coming from anyone other than me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with Ahli United Bank to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Ahli United Bank if you agree, failing which, your lawyer must cease to continue acting.
Do I need to attend the offices of the Ahli United Bank conveyancing panel solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Liverpool so that I can attend their offices if required.
Most conveyancing panel lawyers for Ahli United Bank undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
We're in Liverpool, First timers buying with a mortgage (lender is Ahli United Bank , but our lawyer is on the Ahli United Bank conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Ahli United Bank conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Ahli United Bank conveyancing panel?
A selection of banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS membership however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
I am about to exchange contracts on a purchase with a mortgage from Ahli United Bank. The report from my solicitor mentions that Ahli United Bank could withdraw their offer before completion. Is this right?
Banks and Building Societies such as Ahli United Bank can withdraw their mortgage offer although this rarely happens. In the unlikely event that Ahli United Bank withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are a number of examples:
- Many mortgage offers have an expiry date. Your lawyer should check this. Ahli United Bank may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
- Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
- Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
- Where the lender has to take account a recent change in taxation
- If the solicitor on the Ahli United Bank conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with Ahli United Bank ‘s instructions
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Ahli United Bank. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Ahli United Bank you will need to appoint a solicitor on the Ahli United Bank conveyancing panel.