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Q and A’s regarding the Saffron Building Society Conveyancing Panel
My lawyer has never been on on the Saffron Building Society Approved Panel. Can I still continue with my family solicitor even though they are not on the Saffron Building Society panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Saffron Building Society mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Saffron Building Society conveyancing panel additional costs will be incurred as separate legal representation will be required by Saffron Building Society. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
We are only a couple days away from an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Saffron Building Society. Apparently, being on the Saffron Building Society conveyancing panel and acting on their behalf he must inform Saffron Building Society if the balance of the mortgage advance is not just from me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with Saffron Building Society to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Saffron Building Society if you agree, failing which, your lawyer must cease to continue acting.
I have been looking for online conveyancing estimates. Can I be confident that all the practices that are listed on your website are on the Saffron Building Society conveyancing panel?
The law firms listed on our site have assured us via an online form that they are on the Saffron Building Society panel and agreed to advise us to take down their listing in the event of removal off of the Saffron Building Society panel. To date we have not been informed by either a mortgage company or a member of the public that the data about a specific firm being on the Saffron Building Society conveyancing panel is not accurate.
My aunt passed away 10 months ago and as sole heir and executor was left the property. The house had a small mortgage remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Saffron Building Society , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Saffron Building Society will insist on your using a conveyancer on the Saffron Building Society 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 Saffron Building Society 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 Saffron Building Society mortgage is registered as a charge at the Land Registry.
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a Saffron Building Society conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to Saffron Building Society about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. Usually one can find this 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.
At last I have had an offer on an apartment accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with Saffron Building Society?
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 Saffron Building Society 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 Saffron Building Society and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.
My brother and I are buying a penthouse in Hendon. Conveyancing solicitors in Hendon are preferred to beinstructed. My motheradvised that we double-check that the solicitor in Hendon is on the Saffron Building Society solicitors panel. Surely I don't need to do this, do I?
A limited percentage of Hendon conveyancing firms are on the Saffron Building Society conveyancing panel. 7 people a month use our search tool to find a Hendon conveyancing practitioner
on the on the Saffron Building Society panel.