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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 Recently Asked Questions
I have just been informed by my estate agent that my lawyer is not on the Birmingham Bank Conveyancing panel. What can I do to be certain that this is indeed the case?
You need to contact your lawyer directly. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they may recommend you to a firm that is on the the approved Birmingham Bank solicitor panel.
Expecting to complete my purchase next Friday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for Birmingham Bank. What does the insurance need to cover?
All property lawyers on the Birmingham Bank 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 Birmingham Bank’s Part 2 requirements of the CML Handbook (last updated on Birmingham Bank). Being on the Birmingham Bank conveyancing panel your lawyer is expect to follow these instructions.
How do I find a local solicitor on the Birmingham Bank conveyancing panel? I have a car and am prepared to travel up to 25 miles to meet the solicitor.
Feel free to make use of the find a conveyancing panel search on this website. 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 Birmingham Bank solicitor panel.
My grandfather passed away 10 months ago and as sole heir and executor was left the house. The house had a small mortgage remaining of approximately £5k. 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.
Two weeks ago we had a mortgage agreed in principle with Birmingham Bank. Solicitors have been appointed? What is the average time that one could expect to receive a mortgage offer from Birmingham Bank?
Some lenders take longer than others. Have Birmingham Bank done the survey? Have you advised Birmingham Bank as your lawyers details and checked that your lawyer is on the Birmingham Bank conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
My husband and I are spending time viewing flats and am about to put in an offer. Should I already have a conveyancer appointed at this stage? I intend to finance via a home loan with Birmingham Bank
It would be sensible to have your start your search soon rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Birmingham Bank , ask your prospective lawyers check they are on the Birmingham Bank conveyancing panel otherwise they can't do the mortgage legal work.
At last I have had an offer on an apartment accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What should be my next step? When should I get the mortgage app going with Birmingham Bank?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Birmingham Bank conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Birmingham Bank and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.