Find a Lawyer on the RBS Direct Line Mortgages Conveyancing Panel

No. There is no such tool on the UK Finance or Building Society Association websites. Very few lenders make their panel listings available online.

As a firm of solicitors, in order to be on the RBS - Direct Line conveyancing panel they would need to be regulated by the SRA. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).

Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by RBS - Direct Line but by your lawyers. Some firms on the RBS - Direct Line will charge an 'acting for lender' fee and others do not.

RBS - Direct Line would not normally 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

Some lenders take longer than others. Have RBS - Direct Line done the valuation? Have you advised RBS - Direct Line as your lawyers details and checked that your lawyer is on the RBS - Direct Line conveyancing panel? It is not unusual for a mortgage offer to take a month to come through

Ask RBS - Direct Line for conveyancing panel firms in your area. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the RBS - Direct Line conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto RBS - Direct Line conveyancing panel as it may only take about 2-3 weeks. As long as they meet RBS - Direct Line's requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.

If you have finished paying off your RBS - Direct Line 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 RBS - Direct Line mortgage from the register. RBS - Direct Line,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 RBS - Direct Line has sent the Land Registry the discharge electronically, and the RBS - Direct Line has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your RBS - Direct Line mortgage has been paid off.

Although you do need to retain the services of a lawyer they dont need to be on the RBS - Direct Line 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.

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 RBS - Direct Line you will need to appoint a solicitor on the RBS - Direct Line conveyancing panel.

RBS - Direct Line must be informed of your intention before renting your property as this is likely to be a breach of RBS - Direct Line's mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact RBS - Direct Line directly. It should not be necessary to do this via a RBS - Direct Line conveyancing panel solicitor.

All banks and building societies have complaints procedures. Your first point of contact should be one of the RBS - Direct Line branches or the Customer Services Department at RBS - Direct Line head office. We understand that complaints to RBS - Direct Line are sorted out very quickly. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.

There is little point in complaining directly to RBS - Direct Line. All solicitors and conveyancer must have a complaints procedure. You can get information from the solicitor's or conveyancer's website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

You should be able to recover this from the law firm if they were not on the RBS - Direct Line panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the RBS - Direct Line conveyancing panel

Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for RBS - Direct Line to deal with your lawyers application to be on the RBS - Direct Line conveyancing panel. There's no guarantee that your solicitors will be accepted.

RBS - Direct Line will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS - Direct Line 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 - Direct Line you could contact your them to see if they have a list of approved surveyors.

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.

The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up RBS - Direct Line or your broker and complete any relevant paperwork. RBS - Direct Line will tell you what documents they want. RBS - Direct Line will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. RBS - Direct Line will issue the offer to you and your lawyer. The transaction will then take it's course according the nature and complexity of the conveyancing.

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.

Not all your area conveyancing firms are on the RBS - Direct Line conveyancing panel. Use the above search tool to locate a your area conveyancing firm on the on the RBS - Direct Line panel.

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 UK Finance Mortgage Lenders' Handbook requirements last updated on RBS - Direct Line

Unfortunately both you and your lawyer have little choice here. As you are taking a mortgage with RBS - Direct Line your lawyer has to comply with their conditions as set out in their version of the UK Finance Mortgage Lenders' Handbook. Your lawyer would have previously signed the Terms and Conditions of RBS - Direct Line's conveyancing panel appointment which obliges them to follow the UK Finance Mortgage Lenders' Handbook requirements last updated RBS - Direct Line. even if you were a cash buyer you would be ill advised not to carry out a local authority search.

A precondition to being on the RBS - Direct Line approved panel is to comply with the UK Finance Mortgage Lenders' Handbook requirements (last updated for this lender on RBS - Direct Line) which do require that your lawyer disclose any incorrect assumptions in the lender's valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

Any lawyer on the RBS - Direct Line 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 - Direct Line's Part 2 requirements of the UK Finance Mortgage Lenders' Handbook (last updated on RBS - Direct Line). Being on the RBS - Direct Line conveyancing panel your lawyer is expect to follow these requirements.

First, rest assured that your RBS - Direct Line conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to RBS - Direct Line.This is solely used to protect the RBS - Direct Line if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son's right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of RBS - Direct Line had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

Your lawyer being on the RBS - Direct Line conveyancing panel is duty bound to inform RBS - Direct Line of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to RBS - Direct Line then they would have to discontinue acting for you and RBS - Direct Line.

The form is intended to provide information to the main parties involved in the transaction. Therefore, it will be provided to your son's lawyer who should be on the RBS - Direct Line conveyancing panel as a standard part of the process, and to the valuer when requested.

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 RBS - Direct Line conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.

Feel free to make use of the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the RBS - Direct Line solicitor panel.

Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for RBS - Direct Line. We don’t recommend any particular firm.

We are a listing service only for law firms wishing to communicate if they are on the RBS - Direct Line conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.

As opposed to ten years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in.

The law firms listed on our site have advised us that they are on the RBS - Direct Line panel and agreed to advise us to take down their listing in the event of removal off of the RBS - Direct Line panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the RBS - Direct Line conveyancing panel is incorrect.

The firms themselves provide us confirmation that they are on the RBS - Direct Line conveyancing panel as opposed to being supplied with a list from RBS - Direct Line directly.

The most common options here are as follows:

1. Complete the purchase with your existing solicitors but RBS - Direct Line will need to instruct a lawyer on the RBS - Direct Line 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 RBS - Direct Line conveyancing panel.
3. Urge your lawyer to apply to join the RBS - Direct Line lender panel

RBS - Direct Line and other lenders normally restrict either the type or the number of conveyancing firms on their panel. A common example of such restriction(s) being that a firm must have two or more partners. In addition to restricting the type of firm, some have decided to limit the number of firms they use to represent them. You should note that RBS - Direct Line have no responsibility for the quality of advice provided by any member of RBS - Direct Line Conveyancer Panel. Mortgage fraud was a key driver in the rationalisation of conveyancing panels a few years ago and whilst there are differing views about the extent of solicitor involvement in some of that fraud. Statistics from the Land Registry reveal that thousands of law firms only carry out one or two conveyances a year. Those supporting conveyancing panel cuts ask why law firms should have the right to be on a Lender panel when clearly, Conveyancing is not their speciality? To put it another way; would you want a conveyancing solicitor to represent you if you were charged with a crime; probably not.

Lenders have always had panels of law firms they are willing to work with, but in the past few years big names such as Santander, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for more than 25 years.

Lenders blame a rise in fraud as the reason for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer's case. Your purchasers are unlikely to have any sway in the decision.

That would more than likely be a wrong assumption to make. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal are: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for RBS - Direct Line.

You are best placed to get this information from your conveyancing lawyer. They should have a central record lender panel numbers including the RBS - Direct Line panel reference.

A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of law firms had been removed from a lender panel. The top reasons in order are:

1. lack of transactions
2. the lawyer is a sole practitioner
3. as part of the HSBC panel reduction
4. regulatory contact by SRA
5. accidental removal. We are not aware of the specific or common criteria for removal by RBS - Direct Line

The answer depends on whether you still have confidence in the said solicitors and how long it will take for the firm to be reinstated on the RBS - Direct Line conveyancing panel You may wish to enlist the help of your broker to check with the RBS - Direct Line as to how long they think it will take to get the firm to get back on the panel.

RBS - Direct Line's conveyancing panel is pretty large so your best bet is just to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that RBS - Direct Line will allow to act for them.

Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the RBS - Direct Line conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the RBS - Direct Line conveyancing panel in your location.

First, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.

There is nothing to stop you using your solicitor but RBS - Direct Line will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.

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 RBS - Direct Line Conveyancing Panel Terms. It might be worth you contacting RBS - Direct Line directly.

If you have an estate agent involved then let them know straight away so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the RBS - Direct Line conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers may be able to assist

If you intend to re-mortgage then RBS - Direct Line will insist on your using a conveyancer on the RBS - Direct Line 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 RBS - Direct Line 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 RBS - Direct Line mortgage is registered as a charge at the Land Registry.