Find an Approved Solicitor on the First Direct
FAQs for the First Direct Solicitor Panel
A lawyer my fiance and I wanted to use for conveyancing on a remortgage said she would charge more if my mortgage is with First Direct due to their difficult processes! Am I likely to be frustrated using First Direct? Is First Direct conveyancing so much more difficult?
First Direct conveyancing requirements for their panel are no better or no more complicated than most lenders.
It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender.
It is not clear if your lawyer is on the First Direct conveyancing panel. If they are not, this does add further risk of delay as First Direct will appoint their own solicitors to look after their interest.
My son is about to exchange on a house that has just been built with a home loan from First Direct. His conveyancer has advised him of a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties involved in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the First Direct conveyancing panel as a standard part of the process, and to the surveyor when asked.
The Developer will be required to start the process by downloading the form and completing it.
The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the First Direct conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the First Direct conveyancing panel. My lawyer has said that they are on the First Direct 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 First Direct 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 First Direct solicitor panel.
My lawyers in Newcastle have advised me that they can not locate my conveyancing file. At the time of my purchase I took out a mortgage with First Direct. Is it case that being on the First Direct conveyancing panel they need to have retained the file for a number of years?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the First Direct Conveyancing Panel Terms. It might be worth you contacting First Direct directly.
I have paid off my mortgage with First Direct. I assume I don't need a solicitor on the First Direct panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your First Direct mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the First Direct mortgage from the register. First Direct,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the First Direct has sent the Land Registry the discharge electronically, and
the First Direct has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your First Direct mortgage has been paid off.
I am currently in the process of buying my council flat. I have a mortgage agreed with First Direct. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with First Direct you will need to appoint a solicitor on the First Direct conveyancing panel.
My ex -wife’s name is on the First Direct mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the First Direct mortgage in order to sell?
As regards the First Direct mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of First Direct in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.