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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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FAQs : The Clydesdale Bank Conveyancing Panel
I am expecting a mortgage with Clydesdale Bank. I intend to retain the legal services of a Licensed Conveyancer. Does the Clydesdale Bank Conveyancing panel include Licensed Conveyancers
Clydesdale Bank’s conveyancing panel is, like many other lenders represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Expecting to move into my new home next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order 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 requirements.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Clydesdale Bank conveyancing panel. My lawyer has said that they are on the Clydesdale Bank approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Clydesdale Bank conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Clydesdale Bank solicitor panel.
My aunt passed away six 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 Clydesdale Bank , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Clydesdale Bank will insist on your using a conveyancer on the Clydesdale 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 Clydesdale 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 Clydesdale Bank mortgage is registered as a charge at the Land Registry.
Can you point me to a directory of Clydesdale Bank panel conveyancers on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
Can I be sure that the solicitor on the Clydesdale Bank panel is any good?
Getting recommendations is a sensible starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor conducting your conveyancing
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? At what point should I appy for the mortgage with Clydesdale 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 Clydesdale 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 Clydesdale Bank and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.
Other TopicsTransfer of Equity for Clydesdale Bank
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