Find an Approved Solicitor on the Bath Building Society
Dual Representation Solicitors
Bath Building Society does not operate a Conveyancing
Panel, but does allow certain lawyers to conduct dual
representation subject to meeting their criteria.
For the purposes of clarification, references on this page
to "conveyancing panel" mean the ability of your lawyer
represent both you and Bath Building Society in their capacity as
Sample Enquires to our Call Center
My wife and I are first time buyers. Within the 48 hours our lawyer has forwarded the sale agreement to sign with a detailed report with the expectation that exchange is imminent. Bath Building Society have this afternoon contacted us to inform me that they have now hit a problem as our lawyer is not on their conveyancing panel. Is this a problem?
When purchasing a property with the benefit of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.
In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Quality Scheme.
Your property lawyers should contact Bath Building Society and see if they can apply for membership of the Bath Building Society conveyancing panel, but if that is not viable Bath Building Society will instruct their own solicitors to act. You are not legally obliged to appoint a law firm on the Bath Building Society conveyancing panel and you may continue to use your own solicitors, in which case your legal fees may increase, and it may delay matters as you have another set of people involved.
Our conveyancer has informed me that he requires proof of ID documents stating that this is part of his legal duty as a conveyancer on the Bath Building Society Solicitor panel. Is this right?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with Bath Building Society your lawyer also has to check ID documents to satisfy Bath Building Society
Whilst your website is a good idea there are many lawyers listed near Hackney on the Bath Building Society conveyancing panel. Can you recommend a specific firm on the conveyancing panel for Bath Building Society ?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
We're in Wales, First time buyers buying with a mortgage (lender is Bath Building Society , but our solicitor is on the Bath Building Society conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Bath Building Society 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
Are all solicitors on the Bath Building Society conveyancing panel overseen by the Solicitors Regulatory Authority?
As solicitors, in order to be on the Bath Building Society conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
Hi, thinking about buying a house off my mate. Once we agree a price, what’s the best way to proceed? I plan to obtain a mortgage with Bath Building Society. Is it possible to avoid using solicitors to save us both money? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with Bath Building Society involved you will need to appoint a solicitor on the Bath Building Society conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Bath Building Society. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Bath Building Society conveyancing panel.
In what circumstances might Bath Building Society amend or withdraw their mortgage offer?
Banks and Building Societies such as Bath Building Society can withdraw their mortgage offer although this is unusual. In the unlikely event that Bath Building Society withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are many potential reasons but here are a number of examples:
If the borrower informs Bath Building Society of a change in the loan amount agreed
Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
Where to proceed with the Mortgage offer would be unlawful
Where the Lender’s right to possession is fettered in some way
If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;