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approved by DB UK Bank

Ready to buy a new home? Failing to check that a lawyer is on the DB UK Bank list of approved solicitors can put your transaction at risk of delay or failure.

Find an Approved Solicitor on the DB UK Bank Ltd Conveyancing Panel

Frequently asked questions relating to the DB UK Bank Solicitor Panel

My financial adviser has informed me that I have to pay DB UK Bank fees if I use my own solicitor. How good are the DB UK Bank conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH provided that they are good and not exorbitantly priced. Are there any DB UK Bank conveyancers you'd recommend?
DB UK Bank’s conveyancing panel is substantial so your best bet is just to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that DB UK Bank will allow to act for them.
I am purchasing a newly built apartment and my solicitor is telling me that she is duty bound to reveal incentives from the developer as her firm is on the DB UK Bank conveyancing panel. I am nearing the developer’s deadline to sign contracts and I have no desire to prolong deal. is my lawyer taking the correct approach?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the DB UK Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on DB UK Bank). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Do lenders provide you with an approved list of solicitors? How do you know who is on the DB UK Bank conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the DB UK Bank conveyancing panel as opposed to being supplied with a list from DB UK Bank directly.
My uncle passed away last year and as sole heir and executor was left the house. The house had a small mortgage left on it of around £8000. I want to have the title changed into my name whilst I re-mortgage to DB UK Bank , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then DB UK Bank will insist on your using a conveyancer on the DB UK 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 DB UK 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 DB UK Bank mortgage is registered as a charge at the Land Registry.
Why might a lender such as DB UK Bank withdraw a mortgage offer?
Lenders such as DB UK Bank can revoke their mortgage offer although this rarely happens. In the unlikely event that DB UK 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:
  • If the borrower informs DB UK Bank of a change in security address
  • Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that DB UK Bank conveyancing panel solicitors would be obliged to notify DB UK Bank of a change in the price of the property.
  • A cashback to the buyer, or | part of the price includes a non-cash incentive to the buyer (eg paid stamp duty land tax),or | any indirect incentive (cash or non cash) or rental guarantee, of which the lender was previously unaware
  • Where to proceed with the Mortgage offer would be unlawful
  • Where the Lender’s right to possession is fettered in some way
We were going to get a DIP from DB UK Bank this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the DB UK Bank recommend a solicitor on the DB UK Bank conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the DB UK Bank conveyancing panel. The solicitor represents both you and the DB UK Bank through the process.
I can not work out if my mortgage offer requires a lease extension . I have telephoned DB UK Bank on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the DB UK 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?
Your lawyer has to follow the CML Handbook Part 2 requirements for DB UK Bank. Unless your lawyer obtains specific confirmation in writing that DB UK 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 DB UK Bank to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.