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approved by AIB
Ready to buy a new home? Failing to check that a lawyer is on the AIB list of approved solicitors can put your transaction at risk of delay or failure.
Find an Approved Solicitor on the Allied Irish Bank (GB), a trading name of AIB Group (UK) Conveyancing Panel
Common questions asked concerning the Allied Irish Bank Conveyancing Panel
I instructed a solicitor to work on my purchase six weeks ago having applied for a mortgage with Allied Irish Bank. The solicitors confirmed to me that they are on Allied Irish Bank conveyancing panel and gave me their panel reference. Allied Irish Bank then ,via my broker advised that their panel number was dormant and would need to be reactivated. What do I do from here? Should I appoint a new solicitor currently on the approved panel for Allied Irish Bank?
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 Allied Irish Bank conveyancing panel You may wish to enlist the help of your broker to check with the Allied Irish Bank as to the time frame to get your lawyer reinstated on the panel once again.
I am buying a brand new duplex and my conveyancer is informing me that she has to reveal incentives from the developer as her firm is on the Allied Irish Bank conveyancing panel. I am nearing the developer’s deadline to exchange and I dont want to delay matters. Can I insist on an exchange regardless of what my lawyer says about being on the Allied Irish Bank panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Allied Irish Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Allied Irish Bank). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I require the services of a Allied Irish Bank panel solicitor in Stirling. Can you assist?
It is not clear why you need a Allied Irish Bank panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Allied Irish Bank to find out which solicitors in Allied Irish Bank are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
My grandfather passed away six months ago and as sole heir and executor was left the property. The house had a relatively small loan remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to Allied Irish Bank , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Allied Irish Bank will insist on your using a conveyancer on the Allied Irish Bank conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Allied Irish Bank conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Allied Irish Bank mortgage is registered as a charge at the Land Registry.
I previously instructed online solicitors located in Birmingham who are on the Allied Irish Bank solicitor panel. They are now charging me a separate fee of £150 for the legal aspects of the Allied Irish Bank mortgage. Is this an additional conveyancing fee specified by Allied Irish Bank?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Allied Irish Bank but by your lawyers. Some firms on the Allied Irish Bank will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
After much negotiation I have agreed a price on a house. My mortgage broker recommended their conveyancers I paid an upfront payment of 200. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Allied Irish Bank conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Allied Irish Bank panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
After shopping around on the internet I have found a solicitor having checked that they are on the Allied Irish Bank conveyancing panel. Does my lawyer arrange the survey of the property?
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I've digested plenty of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Allied Irish Bank conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Allied Irish Bank will need an independent valuation of the property. Your lawyer will not arrange this. Usually Allied Irish Bank will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey.
You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
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Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Allied Irish Bank you could contact your them to see if they have a list of approved surveyors.