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approved by Dudley Building Society

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

Find an Approved Solicitor on the Dudley Building Society Conveyancing Panel

Dudley Building Society Solicitor Panel Example Support Desk Enquires

My property lawyer is not on the Dudley Building Society Approved Panel. Can I still continue with my preferred solicitor even though they are excluded from the Dudley Building Society panel?
The most common options here are as follows:
  1. Complete the purchase with your preferred lawyers but Dudley Building Society will need to instruct a lawyer on the Dudley Building Society conveyancing panel. This will result in additional cost and potential delay.
  2. Get a new solicitor to act in the purchase, obviously checking they are on the Dudley Building Society conveyancing panel.
  3. Urge your lawyer to apply to join the Dudley Building Society lender panel
I am buying a newly built flat and my lawyer is advising me that she has to disclose incentives from the seller as her practice is on the Dudley Building Society conveyancing panel. I am on a tight deadline to exchange contracts and I would rather not delay the conveyancing. Can I insist on an exchange regardless of what my lawyer says about being on the Dudley Building Society panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Dudley Building Society approved panel is to comply with the CML Handbook requirements (last updated for this lender on Dudley Building Society). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I need to find a Dudley Building Society panel solicitor in Inverness. Can you assist?
Unfortunately it’s not apparent why you need a Dudley Building Society panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Dudley Building Society to find out which solicitors in Dudley Building Society are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
My grandfather passed away last year and as sole heir and executor was left the property. The house had a small mortgage left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Dudley Building Society , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Dudley Building Society will insist on your using a conveyancer on the Dudley Building Society 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 Dudley Building Society 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 Dudley Building Society mortgage is registered as a charge at the Land Registry.
How can we tell if a solicitor on the Dudley Building Society panel is any good?
obtaining recommendations is a good 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 advocate that you speak with the solicitor handling your transaction
Why might a lender such as Dudley Building Society withdraw a mortgage offer?
Banks and Building Societies such as Dudley Building Society can withdraw their mortgage offer although this rarely happens. should Dudley Building Society withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are 5 examples:
  • If the financial circumstances of the borrower have changed to the detriment and the Dudley Building Society has been notified
  • 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
  • Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
  • Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
  • If the solicitor on the Dudley Building Society conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with Dudley Building Society ‘s instructions
I have instructed a lawyer having made sure that they are on the Dudley Building Society conveyancing panel. Does my lawyer arrange the survey of the property? Or Having digested plenty 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 Dudley Building Society conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Dudley Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Dudley 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 Dudley Building Society you could contact your them to see if they have a list of approved surveyors.