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Ready to buy a new home? Failing to check that a lawyer is on the RBS - Direct Line list of approved solicitors can put your transaction at risk of delay or failure.
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My fiance and I are buying a 1 bedroom apartment in Leeds with a mortgage from RBS - Direct Line. We have a solicitor but RBS - Direct Line says he's not on their "panel". It seems we have little choice but to instruct one of the RBS - Direct Line panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that RBS - Direct Line use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the RBS - Direct Line conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for RBS - Direct Line
My property lawyer has requested from me identification documents stating that this is part of his requirements as a conveyancer on the RBS - Direct Line Conveyancing panel. Is this right?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that RBS - Direct Line also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with RBS - Direct Line CML Handbook requirements last updated on RBS - Direct Line
I need to find a RBS - Direct Line panel solicitor in Inverness. Could you help me?
Unfortunately it’s not apparent why you need a RBS - Direct Line panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to RBS - Direct Line to find out which solicitors in RBS - Direct Line 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 house is up for sale and I have a buyer. Does my solicitor have to be on the RBS - Direct Line conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the RBS - Direct Line conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
My wife and I have arranged a further advance on our mortgage from RBS - Direct Line as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the RBS - Direct Line conveyancing panel to deal with the paperwork?
RBS - Direct Line do not ordinarily instruct a member of their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the RBS - Direct Line list
My ex -wife’s name is on the RBS - Direct Line 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 RBS - Direct Line mortgage in order to sell?
In terms of the RBS - Direct Line 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 RBS - Direct Line 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.
My offer on house has been accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What do I do now? When should I get the mortgage app going with RBS - Direct Line?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the RBS - Direct Line conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with RBS - Direct Line and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.