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Ready to buy a new home? Failing to check that a lawyer is on the Clydesdale Bank list of approved solicitors can put your transaction at risk of delay or failure.
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Frequently asked questions relating to the Clydesdale Bank Conveyancing Panel
A conveyancer my fiance and I wanted to use for conveyancing on a remortgage said she will levy higher legal fees if my mortgage is with Clydesdale Bank because of their unusual legal requirements. Will I regret using Clydesdale Bank? Any comments will be appreciated
Clydesdale Bank conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Clydesdale Bank conveyancing panel. If they are not, this does add further risk of delay as Clydesdale Bank will appoint their own solicitors to look after their interest.
Expecting to move into my new home next Friday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in has capacity as lawyer for Clydesdale Bank. What risks do Clydesdale Bank expect the insurance to cover?
Any lawyer on the Clydesdale 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 Clydesdale Bank’s Part 2 requirements of the CML Handbook (last updated on Clydesdale Bank). Being on the Clydesdale Bank conveyancing panel your lawyer is expect to follow these instructions.
Do all the firms listed on your search have online case tracking as I was under the impression that this was a precondition of being on the Clydesdale Bank solicitor panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
I am buying a right to buy flat and getting a mortgage with Clydesdale Bank. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Clydesdale Bank 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 Clydesdale Bank conveyancing panel in your location.
Do conveyancing solicitors on the Clydesdale Bank conveyancing panel work on a no move no charge basis?
There is generally no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
Planning on purchasing a flat with a mortgage with Clydesdale Bank. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Clydesdale Bank conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Clydesdale Bank conveyancing panel
My ex -wife’s name is on the Clydesdale Bank mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Clydesdale Bank mortgage in order to sell?
In terms of the Clydesdale Bank mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Clydesdale Bank in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.