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approved by Cumberland BS
Ready to buy a new home? Failing to check that a lawyer is on the Cumberland BS list of approved solicitors can put your transaction at risk of delay or failure.
Find an Approved Solicitor on the Cumberland Building Society Conveyancing Panel
FAQs for the Cumberland Building Society Solicitor Panel
How easy is it to change a solicitor as I need to find one who is on the Cumberland Building Society conveyancing panel. How easy is it to change conveyancer?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
Can you clarify something for me?. My lawyer is not to blame but, my purchase conveyancing has been going on for months. The Local Authority Search from Cumberland Building Society was date stamped random date and we have agreed a date for me to move into the property on 10 days inc Day of week eg. Mon. My lawyer says that as she is on the Cumberland Building Society conveyancing panel she needs to redo the searches as they are no longer valid.
A precondition to being on the Cumberland Building Society approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Cumberland Building Society)which states that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Cumberland Building Society.
I see that you have a post code search directory identifying firms on the Cumberland Building Society conveyancing panel. Do firms pay you a referral fee if I appoint them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Cumberland Building Society conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I would like to get my ex-husband taken off the mortgage deeds. Can Cumberland Building Society really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but Cumberland Building Society 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 Cumberland Building Society solicitors panel
We have a mortgage agreed in principle with Cumberland Building Society. Solicitors have been instructed? What is the average time that one could expect to receive a mortgage offer from Cumberland Building Society?
There is no definitive answer here. Have Cumberland Building Society conducted the survey? Have you advised Cumberland Building Society as your lawyers details and checked that your lawyer is on the Cumberland Building Society conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
It is not clear whether my mortgage offer requires a lease extension . I have telephoned Cumberland Building Society on various occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Cumberland Building Society conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. I simply dont know who is right
Your lawyer has to follow the CML Handbook Part 2 requirements for Cumberland Building Society. Unless your lawyer obtains specific confirmation in writing that Cumberland Building Society 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 Cumberland Building Society to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
After shopping around on the internet I have found a solicitor having made sure that they are on the Cumberland Building Society conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of house buying,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 Cumberland Building Society conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Cumberland Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Cumberland Building Society 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. or 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 Cumberland Building Society you could contact your them to see if they have a list of approved surveyors.