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Ready to buy a new home? Failing to check that a lawyer is on the BOI 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 Bank of Ireland as Bank of Ireland Mortgages Conveyancing Panel? How can my firm be reinstated onto the Bank of Ireland as Bank of Ireland Mortgages Conveyancing Panel?
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Common questions asked concerning the Bank of Ireland Mortgages Solicitor Panel
How easy is it to change a solicitor as I need to find one who is on the Bank of Ireland Mortgages conveyancing panel. How easy is it to change conveyancer?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
Expecting to move into my new home next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for Bank of Ireland Mortgages. What does the insurance need to cover?
All property lawyers on the Bank of Ireland Mortgages conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Bank of Ireland Mortgages’s Part 2 requirements of the CML Handbook (last updated on Bank of Ireland Mortgages). Being on the Bank of Ireland Mortgages conveyancing panel your lawyer is expect to follow these requirements.
I need to find a Bank of Ireland Mortgages panel solicitor in Inverness. Could you help me?
Unfortunately it’s not apparent why you need a Bank of Ireland Mortgages panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Bank of Ireland Mortgages to find out which solicitors in Bank of Ireland Mortgages 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 house. The house had a relatively small loan left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Bank of Ireland Mortgages , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Bank of Ireland Mortgages will insist on your using a conveyancer on the Bank of Ireland Mortgages 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 Bank of Ireland Mortgages 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 Bank of Ireland Mortgages mortgage is registered as a charge at the Land Registry.
Last month we had a mortgage agreed in principle with Bank of Ireland Mortgages. Solicitors have been instructed? What is the average time that one could expect to receive a mortgage offer from Bank of Ireland Mortgages?
There is no definitive answer here. Have Bank of Ireland Mortgages done the valuation? Have you advised Bank of Ireland Mortgages as your lawyers details and checked that your lawyer is on the Bank of Ireland Mortgages conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called into my local branch Bank of Ireland Mortgages on various occasions and told it wasn't a problem and they would lend. My solicitor - who is on the Bank of Ireland Mortgages conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
Your lawyer has to follow the CML Handbook Part 2 requirements for Bank of Ireland Mortgages. Unless your lawyer obtains specific confirmation in writing that Bank of Ireland Mortgages will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Bank of Ireland Mortgages to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
My ex -wife’s name is on the Bank of Ireland Mortgages mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Bank of Ireland Mortgages mortgage in order to sell?
In terms of the Bank of Ireland Mortgages mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Bank of Ireland Mortgages in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.