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approved by Britannia

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

Find an Approved Solicitor on the Britannia Conveyancing Panel

FAQs for the Britannia Conveyancing Panel

I am progressing with the sale of my flat and the EA has just called to warn that the purchasers are swapping solicitor. The reason given is that Britannia will only work with solicitors on their conveyancing panel. On what basis would a leading mortgage company only work with specific law firms?
Mortgage companies have always had an approved set of law firms they are willing to work with, but in the past few years big names such as Lloyds Banking Group, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for more than 25 years.

Lenders point to the increase in fraud as the reason for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

My husband and I changing mortgage lender for our apartment with Britannia. We have a son approaching twenty who lives with us. The solicitor on the Britannia conveyancing panel requested us to identify any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the flat is forfeited by the lender. I have two questions (1) Is this form unique to the Britannia conveyancing panel as he never had to sign this form when we remortgaged 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Britannia .This is solely used to protect the Britannia if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Britannia had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Do banks and building societies provide you with an approved list of solicitors? How do you know who is on the Britannia conveyancing panel?
The firms themselves provide us confirmation that they are on the Britannia conveyancing panel as opposed to being supplied with a list from Britannia directly.
I am trying to get my ex-husband taken off the mortgage deeds. Can Britannia really insist on which solicitor I can or can not retain?
You can use any solicitor you like but Britannia then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Britannia solicitors panel
Hi, thinking about buying a house off my mate. Assuming we can agree a figure, what’s the best way to proceed? I hope to get a mortgage with Britannia. Is it possible to avoid using solicitors to save on the costs? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Britannia involved you will need to appoint a solicitor on the Britannia 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 Britannia. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Britannia conveyancing panel.
I have had an offer accepted on a apartment I spoke to a solicitor previously used by my brother and he recommended using a property lawyers approved by Britannia. The estate agent recommended two local firms so I asked Britannia if the 2 suggested solicitors are approved, which they are not. Britannia suggested that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Britannia 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask Britannia for conveyancing panel firms in your area. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Britannia 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 Britannia conveyancing panel as it may only take about 2-3 weeks. As long as they meet Britannia’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.
For 5 years I had a mortgage with Britannia. My father has just retired and wants to pay off my mortgage. After Britannia is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Britannia conveyancing panel? I do not intend to live at the property once the Britannia mortgage is discharged.
Although you do need to retain the services of a lawyer they dont need to be on the Britannia panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. There's no capital gains tax for you as it is your main residence.