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approved by Clydesdale Bank
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.
Looking for information about your firm's panel status?
How does my firm apply to be on the Clydesdale Bank plc Conveyancing Panel? How can my firm be reinstated onto the Clydesdale Bank plc Conveyancing Panel?Find an Approved Solicitor on the Clydesdale Bank plc Conveyancing Panel
Common questions asked concerning the Clydesdale Bank Solicitor Panel
My Conveyancer is not listed on the Clydesdale Bank Solicitor Panel. Can I still retain my preferred solicitor notwithstanding that they are excluded from the Clydesdale Bank approved list?
You will need to have a conveyancer complete the legal work required when you take out a Clydesdale Bank mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Clydesdale Bank conveyancing panel additional costs will be incurred as separate legal representation will be required by Clydesdale Bank. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
My wife and I changing mortgage lender for our maisonette with Clydesdale Bank. We have a son 19 who lives with us. The solicitor on the Clydesdale Bank conveyancing panel has asked us to disclose any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is repossessed. I have two concerns (1) Is this form unique to the Clydesdale Bank conveyancing panel as he did not need to sign this form when we purchased 5 years ago (2) Does our son by signing this giving up his rights 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 Clydesdale Bank .This is solely used to protect the Clydesdale Bank 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 Clydesdale Bank 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.
Your search tool is useful but there are many lawyers listed near Hackney on the Clydesdale Bank conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the Clydesdale Bank approved panel?
We do not recommend specific firms as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
I was scheduled to move into my flat last Thursday. My solicitor is on the Clydesdale Bank conveyancing panel but has moved offices 8 weeks ago and had not advised Clydesdale Bank of their new address. Clydesdale Bank is now refusing to release my funds as the information from the solicitors isn't correct.
This is as unusual as it is unlucky. 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 Clydesdale Bank branch or your mortgage broker to see if they can help.
It is not clear whether my mortgage offer requires a lease extension . I have called Clydesdale Bank on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Clydesdale Bank conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
As long as the conveyancer is on the Clydesdale Bank panel she or he must comply with the CML Handbook requirements for Clydesdale Bank. Unless your lawyer obtains specific confirmation in writing that Clydesdale Bank will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Clydesdale Bank to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
My offer was accepted on an apartment on the 12th March 2014, valuation was booked 3 days later, received a clean bill of health. Conveyancer retained, so the only thing outstanding was my mortgage offer. Having made daily calls to Clydesdale Bank and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Clydesdale Bank conveyancing panel. Are Clydesdale Bank entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Clydesdale Bank to deal with your lawyers application to be on the Clydesdale Bank conveyancing panel. There's no guarantee that your solicitors will be accepted.
I have instructed a lawyer having checked that they are on the Clydesdale Bank conveyancing panel. Does my lawyer arrange the survey of the property?
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Having digested plenty of mortgage guides,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Clydesdale Bank conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Clydesdale Bank will need an independent valuation of the property. Your lawyer will not arrange this. Usually Clydesdale Bank will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey.
You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
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Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Clydesdale Bank you could contact your them to see if they have a list of approved surveyors.
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Transfer of Equity for Clydesdale BankPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors