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approved by RBS- 1st Active

Ready to buy a new home? Failing to check that a lawyer is on the RBS- 1st Active list of approved solicitors can put your transaction at risk of delay or failure.

Find an Approved Solicitor on the The Royal Bank of Scotland plc First Active Conveyancing Panel

Common questions asked concerning the RBS- First Active Solicitor Panel

I need to swap lawyers as my lawyer is not on the RBS- First Active panel of conveyancing solicitors. 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.
Expecting to move into my new home next Thursday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as as he informs me that he is duty bound to validate that it is in order for RBS- First Active. What risks do RBS- First Active expect the insurance to cover?
All property lawyers on the RBS- First Active conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in RBS- First Active’s Part 2 requirements of the CML Handbook (last updated on RBS- First Active). Being on the RBS- First Active conveyancing panel your lawyer is expect to follow these requirements.
I am buying a house and require a conveyancing solicitor in London who is on the RBS- First Active conveyancing. Can you recommend a local firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for RBS- First Active . We don’t recommend any particular firm.
We're in Liverpool, First time buyers purchasing with a mortgage (lender is RBS- First Active , but our solicitor is on the RBS- First Active conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the RBS- First Active conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Why might a lender such as RBS- First Active withdraw a mortgage offer?
Lenders such as RBS- First Active can withdraw their mortgage offer although this is unusual. should RBS- First Active 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 a few examples:
  • Where information comes to RBS- First Active ‘s attention regarding the customers or the security that they were not aware of prior to offer that affects their original decision to lend
  • RBS- First Active may amend or withdraw an offer if the RBS- First Active 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
  • Where the sale is not at arms length for value to unconnected persons
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
  • If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;
It is not clear whether my mortgage offer requires a lease extension . I have telephoned RBS- First Active on numerous occasions and told it wasn't a problem and they would lend. My solicitor - who is on the RBS- First Active 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
As long as the conveyancer is on the RBS- First Active panel she or he must comply with the CML Handbook requirements for RBS- First Active. Unless your lawyer obtains specific confirmation in writing that RBS- First Active 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 RBS- First Active 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 checked that they are on the RBS- First Active conveyancing panel. Does my lawyer arrange the survey of the property? Or I've digested plenty of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the RBS- First Active conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
RBS- First Active will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS- First Active 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 RBS- First Active you could contact your them to see if they have a list of approved surveyors.