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Ready to buy a new home? Failing to check that a lawyer is on the Co Op Bank list of approved solicitors can put your transaction at risk of delay or failure.
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How does my firm apply to be on the Co operative Bank plc Conveyancing Panel? How can my firm be reinstated onto the Co operative Bank plc Conveyancing Panel?Find an Approved Solicitor on the Co operative Bank plc Conveyancing Panel
FAQs : The Co operative Bank Solicitor Panel
My financial adviser has has requested my law firm’s panel member for the Co operative Bank conveyancing panel. What is the best way to find this out. I have e-mailed my local Co operative Bank branch but they have not got back to me yet.
the sensible thing to do is ask for this information from your solicitor. They should have a central record lender panel numbers including the Co operative Bank panel reference.
Our solicitor has uncovered a problem with the lease for the flat we are buying. The seller’s lawyers have offered title insurance as a solution. We are happy with insurance and will pay for it. Our lawyer says that as he is on the Co operative Bank conveyancing panel he must check that the lender is happy with this solution. Who is the client here, us or Co operative Bank?
Just because you have a mortgage offer from Co operative Bank 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 Co operative Bank are the client. These conveyancing instructions must be adhered to by the Co operative Bank conveyancing panel who has to balance acting for you and Co operative Bank
I see that you have a search directory listing firms on the Co operative Bank conveyancing panel. Do firms pay you a commission if I retain them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the Co operative Bank conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am trying to get my ex-husband removed the mortgage deeds. Can Co operative Bank really insist on which solicitor I can or can not retain?
You can use any solicitor you like but Co operative Bank 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 Co operative Bank solicitors panel
Can you point me to a directory of Co operative Bank panel solicitors on the Council of Mortgage Lender’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.
I was thinking of purchasing my friend’s property. Once we agree a price, what’s the best way to move forward? I hope to get a mortgage with Co operative Bank. Is it possible to avoid using solicitors to save us both money? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with Co operative Bank involved you will need to appoint a solicitor on the Co operative Bank 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 Co operative Bank. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Co operative Bank conveyancing panel.
I am about to exchange contracts on a purchase with a mortgage from Co operative Bank. The report from my solicitor mentions that Co operative Bank could withdraw their offer before completion. Is this right?
Banks and Building Societies such as Co operative Bank can withdraw their mortgage offer although this rarely happens. should Co operative Bank withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are many potential reasons but here are a number of examples:
- Co operative Bank may amend or withdraw an offer if the Co operative Bank conveyancing panel solicitor is unable to confirm compliance with any of the conditions of the mortgage offer or if any of the terms of the mortgage offer cannot be satisfied
- Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Co operative Bank conveyancing panel solicitors would be obliged to notify Co operative Bank of a change in the price of the property.
- Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
- Where the lender has to take account a recent change in taxation
- Where the Lender’s right to possession is fettered in some way
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