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approved by Birmingham Midshires
Ready to buy a new home? Failing to check that a lawyer is on the Birmingham Midshires 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 Birmingham Midshires Conveyancing Panel? How can my firm be reinstated onto the Birmingham Midshires Conveyancing Panel?
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Birmingham Midshires Conveyancing Panel : Questions and Answers
My husband and I are buying a 1 bedroom apartment in London with a mortgage from Birmingham Midshires. We like our lawyer but Birmingham Midshires says she’s not on their "panel". It seems we have little choice but to instruct one of the Birmingham Midshires panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that Birmingham Midshires use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Birmingham Midshires conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Birmingham Midshires
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Birmingham Midshires will not agree to this. Why was Birmingham Midshires even consulted?
Your lawyer being on the Birmingham Midshires conveyancing panel is duty bound to inform Birmingham Midshires of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Birmingham Midshires then they would have to discontinue acting for you and Birmingham Midshires.
I have been searching for online conveyancing estimates. Can I be sure that all the law firms that are identified on your website are on the Birmingham Midshires conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the Birmingham Midshires panel and agreed to advise us to take down their listing in the event of removal off of the Birmingham Midshires panel. To date we have not been informed by either a mortgage company or a member of the public that the data about a specific firm being on the Birmingham Midshires conveyancing panel is not accurate.
I was expecting to move into my flat last Thursday. My solicitor is on the Birmingham Midshires conveyancing panel but has changed address 8 weeks ago and had not advised Birmingham Midshires of their new address. Birmingham Midshires is now refusing to release my 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 Birmingham Midshires branch or your mortgage broker to see if they can help.
I had instructed online solicitors located in London who are on the Birmingham Midshires solicitor panel. They have just invoiced me a separate fee of £175 for dealing with the Birmingham Midshires mortgage. Is this an additional conveyancing fee set by Birmingham Midshires?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Birmingham Midshires but by your lawyers. Some firms on the Birmingham Midshires will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
We are getting a further advance on our mortgage from Birmingham Midshires as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Birmingham Midshires conveyancing panel to deal with the paperwork?
Birmingham Midshires do not ordinarily appoint a member of their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Birmingham Midshires list
Birmingham Midshires have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Birmingham Midshires or your broker and complete any relevant paperwork. Birmingham Midshires will tell you what documents they want. Birmingham Midshires will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Birmingham Midshires will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.