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Ready to buy a new home? Failing to check that a lawyer is on the Sainsburys list of approved solicitors can put your transaction at risk of delay or failure.
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How does my firm apply to be on the Sainsburys Bank Conveyancing Panel? How can my firm be reinstated onto the Sainsburys Bank Conveyancing Panel?Find an Approved Solicitor on the Sainsburys Bank Conveyancing Panel
Sainsburys Bank Conveyancing Panel : Questions and Answers
My financial adviser has informed me that I have to pay Sainsburys Bank fees if I use my own solicitor. How efficient are the Sainsburys Bank conveyancing panel solicitors? I dont care which law firm I use as long as they're good and not exorbitantly priced. Would you recommend a specific law firm on the Sainsburys Bank panel?
Sainsburys Bank’s conveyancing panel is substantial so it would be advisable 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 Sainsburys Bank will allow to act for them.
Expecting to complete my purchase next Tuesday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for Sainsburys Bank. What risks do Sainsburys Bank expect the insurance to cover?
All property lawyers on the Sainsburys Bank 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 Sainsburys Bank’s Part 2 requirements of the CML Handbook (last updated on Sainsburys Bank). Being on the Sainsburys Bank conveyancing panel your lawyer is expect to follow these instructions.
I need to find a Sainsburys Bank panel solicitor in Inverness. Can you assist?
Unfortunately it’s not apparent why you need a Sainsburys Bank panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Sainsburys Bank to find out which solicitors in Sainsburys Bank are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
Can you clarify what the consequences are if my lawyer’s firm is expelled from the Sainsburys Bank Conveyancing panel before the moving date as agreed at exchange of contracts?
The first thing to point out is that, 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.
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Sainsburys Bank have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Sainsburys Bank your lawyer must to check the Sainsburys Bank conveyancing instructions contained in the Part of CML Handbook for Sainsburys Bank . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Sainsburys Bank where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
I have today made my last payment due on mortgage with Sainsburys Bank. I assume I don't need a solicitor on the Sainsburys Bank panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Sainsburys Bank 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 Sainsburys Bank mortgage from the register. Sainsburys Bank,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 Sainsburys Bank has sent the Land Registry the discharge electronically, and
the Sainsburys Bank has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Sainsburys Bank mortgage has been paid off.
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have telephoned Sainsburys Bank on various occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Sainsburys Bank conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
As long as the conveyancer is on the Sainsburys Bank panel she or he must comply with the CML Handbook requirements for Sainsburys Bank. Unless your lawyer obtains specific confirmation in writing that Sainsburys Bank will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Sainsburys Bank to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
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