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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 am progressing with the sale of my flat and the EA has just texted me to advise that the buyers are appointing a new conveyancer. The excuse is that Allied Irish Bank will only work with property lawyers on their conveyancing panel. On what basis would a big named lender only deal with certain law firms?
Banks have always had panels of law firms they are willing to work with, but in the past few years big names such as Nationwide , have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for more than 25 years.

Banks point to the increase in fraud as the reason for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is being contacted daily by practices that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

My wife and I changing mortgage lender for our maisonette with Allied Irish Bank. We have a son approaching twenty who lives with us. The solicitor on the Allied Irish Bank conveyancing panel has asked us to disclose any adults other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the flat is forfeited by the lender. I have two concerns (1) Is this document specific to the Allied Irish Bank conveyancing panel as he never had to sign this form when we bought 3 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Allied Irish Bank .This is solely used to protect the Allied Irish Bank if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Allied Irish Bank had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

How do I search for a local solicitor on the Allied Irish Bank conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the solicitor.
You can use the find a conveyancing panel search on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Allied Irish Bank solicitor panel.
I was scheduled to complete on my first house last Thursday. My lawyer’s firm is on the Allied Irish Bank conveyancing panel but has moved offices 8 weeks ago and had not informed Allied Irish Bank of their new address. Allied Irish Bank has locked down the release of mortgage funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Allied Irish Bank branch or your mortgage broker to see if they can assist.
Can you point me to a directory of Allied Irish Bank panel conveyancers on the Council of Mortgage Lender’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.
Is it the case that all conveyancing solicitors on the Allied Irish Bank conveyancing panel overseen by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Allied Irish 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).
Is it common for Allied Irish Bank to withdraw a mortgage offer and what would be the reasoning?
Banks and Building Societies such as Allied Irish Bank can revoke their mortgage offer although this is unusual. If Allied Irish 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:
  • If the borrower informs Allied Irish Bank of a change in security address
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Where to proceed with the Mortgage offer would be unlawful
  • Where the lender has to take account a recent change in law
  • If the solicitor on the Allied Irish Bank conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with Allied Irish Bank ‘s instructions