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approved by Bradford & Bingley

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

Find an Approved Solicitor on the Bradford & Bingley Limited Conveyancing Panel

Common questions asked concerning the Bradford & Bingley Conveyancing Panel

How easy is it to change a solicitor as I need to find one who is on the Bradford & Bingley conveyancing panel. Is it practical to instruct different lawyers?
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.
Our conveyancer has discovered a problem with the lease for the apartment we are purchasing. The other side have offered title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer says that as he is on the Bradford & Bingley conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Bradford & Bingley?
Just because you have a mortgage offer from Bradford & Bingley does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Bradford & Bingley are the client. The appropriate lender requirements have to be complied with by the Bradford & Bingley conveyancing panel who has to balance acting for you and Bradford & Bingley
Is it necessary during the course of the conveyancing process to visit the offices of the Bradford & Bingley conveyancing panel solicitor to execute the mortgage deed? If so, I will instruct a firm who offer conveyancing in Bristol so that I can pop in to their offices if required.
Most conveyancing panel lawyers for Bradford & Bingley undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
I am buying a garden flat and getting a mortgage with Bradford & Bingley. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Bradford & Bingley conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Bradford & Bingley conveyancing panel in your location.
Why might a lender such as Bradford & Bingley withdraw a mortgage offer?
Banks and Building Societies such as Bradford & Bingley can withdraw their mortgage offer although this is unusual. should Bradford & Bingley withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are a few examples:
  • If the financial circumstances of the borrower have changed to the detriment and the Bradford & Bingley has been notified
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
We have had an offer accepted on a apartment I spoke to a lawyer recommended by my uncle and he suggested instructing a property lawyers approved by Bradford & Bingley. The estate agent recommended two local firms so I asked Bradford & Bingley if the 2 suggested solicitors are approved, which they are not. Bradford & Bingley suggested that either firm can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Bradford & Bingley 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Bradford & Bingley to suggest a law firm in your location. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the Bradford & Bingley conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Bradford & Bingley conveyancing panel as it may only take about 2-3 weeks. As long as they meet Bradford & Bingley’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
After much negotiation I have agreed a price on an apartment. My mortgage broker pressured me to appoint their lawyers I paid an upfront payment of 175. Soon after the conveyancers contacted me to say that they were not on the Bradford & Bingley 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 Bradford & Bingley 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.