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Ready to buy a new home? Failing to check that a lawyer is on the Saffron BS list of approved solicitors can put your transaction at risk of delay or failure.
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My property lawyer has never been on on the Saffron Building Society Solicitor Panel. Is it possible for me to continue with my preferred solicitor notwithstanding that they are excluded from the Saffron Building Society list of approved lawyers?
The most common options here are as follows:
- Carry on with your preferred lawyers but Saffron Building Society will need to instruct a lawyer on the Saffron Building Society conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Saffron Building Society conveyancing panel.
- Convince your lawyer to do everything within their powers to join the Saffron Building Society conveyancing panel
Our solicitor has uncovered a defect with the lease for the flat we are purchasing. The seller’s lawyers have put forward title insurance as a solution. We are happy with insurance and will pay for it. Our solicitor has advised that as he is on the Saffron Building Society conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Saffron Building Society?
Just because you have a mortgage offer from Saffron Building Society 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 Saffron Building Society are the client. These conveyancing instructions have to be complied with by the Saffron Building Society conveyancing panel who has to balance acting for you and Saffron Building Society
Whilst your website is a good idea there are many lawyers listed near Hackney on the Saffron Building Society conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the conveyancing panel for Saffron Building Society ?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I was scheduled to move into my first house yesterday. My lawyer’s firm is on the Saffron Building Society solicitors panel but has changed address 8 weeks ago and had not advised Saffron Building Society of their new address. Saffron Building Society has locked down the release of mortgage funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Saffron Building Society branch or your mortgage broker to see if they can assist.
Can I register a complaint to Saffron Building Society about the lawyers being on the Saffron Building Society conveyancing panel?
There is little point in complaining directly to Saffron Building Society. 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.
I have instructed a lawyer having checked that they are on the Saffron Building Society conveyancing panel. Does my lawyer arrange the survey of the property?
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I've digested plenty of mortgage guides,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Saffron Building Society conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Saffron Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Saffron Building Society 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.
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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 Saffron Building Society you could contact your them to see if they have a list of approved surveyors.
Saffron Building Society have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Saffron Building Society or your broker and complete any relevant paperwork. Saffron Building Society will tell you what documents they want. Saffron Building Society 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. Saffron Building Society 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.