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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

FAQs for the RBS- First Active Conveyancing Panel

I appointed a firm of solicitors to work on my remortgage three weeks ago having applied for a mortgage with RBS- First Active. The solicitors reassured me that they are on RBS- First Active conveyancing panel and advised me their panel number. RBS- First Active then told me that their panel number was dormant and would need to be reactivated. What do I do from here? Should I appoint a new solicitor currently on the approved panel for RBS- First Active?
You may be very frustrated with the lawyer but if it only go take a few more days they it may be worth waiting as, depending on how far progressed you are you may end up delaying the transaction by a number of weeks if you need to replace your solicitor You may wish to enlist the help of your broker to check with the RBS- First Active as to the time frame to get your lawyer reinstated on the panel once again.
Our solicitor has uncovered a defect with the lease for the property we are purchasing. The other side have offered title insurance as a solution. We are happy with insurance and will pay for it. Our lawyer has advised that as he is on the RBS- First Active conveyancing panel he must ensure that the lender is happy with this solution. Are we the client or is RBS- First Active?
Just because you have a mortgage offer from RBS- First Active 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 RBS- First Active are the client. These conveyancing instructions must be adhered to by the RBS- First Active conveyancing panel who has to balance acting for you and RBS- First Active
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the RBS- First Active conveyancing panel. My lawyer has said that they are on the RBS- First Active approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the RBS- First Active conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the RBS- First Active solicitor panel.
I am trying to get my ex-husband removed the mortgage deeds. Can RBS- First Active really tell me which solicitor I can or can not retain?
You can use any solicitor you like but RBS- First Active 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 RBS- First Active solicitors panel
Why might a lender such as RBS- First Active withdraw a mortgage offer?
Banks and Building Societies such as RBS- First Active can withdraw their mortgage offer although this is unusual. If RBS- First Active withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are a number of examples:
  • 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
  • Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that RBS- First Active conveyancing panel solicitors would be obliged to notify RBS- First Active of a change in the price of the property.
  • 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
  • Where the Lender’s right to possession is fettered in some way
I have a mortgage with RBS- First Active. My godfather has just retired and wants to pay off my mortgage. After RBS- First Active is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the RBS- First Active conveyancing panel? I do not intend to live at the property once the RBS- First Active mortgage is discharged.
You will need a solicitor but they need not be on the RBS- First Active conveyancing panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. There's no capital gains tax for you as it is your main residence.
I am due to exchange contracts on my flat. I had a double glazing fitted in month 7 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, RBS- First Active are being difficult. The solicitor who is on the RBS- First Active conveyancing panel is happy to accept ‘lack of building regulation’ insurance but RBS- First Active are insisting on a building regulation certificate. Why do RBS- First Active have a conveyancing panel of they don’t accept advice from them?
It is probably the case that RBS- First Active have referred the matter to their valuer. The reason why RBS- First Active may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.