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approved by BirminghamBank

Ready to buy a new home? Failing to check that a lawyer is on the BirminghamBank list of approved solicitors can put your transaction at risk of delay or failure.

Find an Approved Solicitor on the Birmingham Bank Conveyancing Panel

Birmingham Bank Conveyancing Panel : Questions and Answers

My lawyer is not on the Birmingham Bank Conveyancing Panel. Is it possible for me to use my family solicitor even though they are not on the Birmingham Bank list of approved lawyers?
The most common options here are as follows:
  1. Complete the purchase with your preferred lawyers but Birmingham Bank will need to instruct a lawyer on the Birmingham Bank conveyancing panel. This will result in additional cost and potential delay.
  2. Get a new solicitor to act in the purchase, obviously checking they are on the Birmingham Bank conveyancing panel.
  3. Convince your lawyer to do everything within their powers to join the Birmingham Bank conveyancing panel
My conveyancer has identified a discrepancy when comparing the assumptions in Birmingham Bank’s home valuation report and what is revealed within the title deeds. My solicitor says that as he is on the Birmingham Bank conveyancing panel he is obliged to check that the lender is happy with this discrepancy and is content go ahead. Is my conveyancer’s course or action right?
A precondition to being on the Birmingham Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Birmingham Bank) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
Whilst your website is a good idea there are many lawyers listed near Hackney on the Birmingham Bank conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the Birmingham Bank approved panel?
We do not recommend specific firms 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. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
My uncle passed away 10 months ago and as sole heir and executor was left the house. 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 Birmingham Bank , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Birmingham Bank will insist on your using a conveyancer on the Birmingham 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 Birmingham 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 Birmingham Bank mortgage is registered as a charge at the Land Registry.
I am currently in the process of buying my council flat. I have a mortgage agreed with Birmingham 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 Birmingham Bank you will need to appoint a solicitor on the Birmingham Bank conveyancing panel.
I recently had an offer accepted on a house. My mortgage broker recommended their conveyancers I paid an upfront payment of 150. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Birmingham 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 Birmingham 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.
I was told four weeks ago that my mortgage has been agreed to by Birmingham Bank. Is it usual for Birmingham Bank to only issue the offer once my solicitor is approved on their conveyancing panel?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Birmingham Bank to deal with your lawyers application to be on the Birmingham Bank conveyancing panel. There's no guarantee that your solicitors will be accepted.