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approved by Sainsburys

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.

Find an Approved Solicitor on the Sainsburys Bank Conveyancing Panel

Frequently asked questions relating to the Sainsburys Bank Solicitor Panel

On what basis would a law firm be excluded from the Sainsburys Bank approved conveyancing panel?
According to a recent survey report by the solicitors regulator three quarters of law firms had been removed from a lender panel. The top reasons in order are :
  1. Low volume 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 Sainsburys Bank
Please help. My lawyer is informing me me that he has to apply for a Local Authority search stemming from the fact that the firm are on the Sainsburys Bank approved lawyer panel. The searches cost a lot of money. Can this be avoided?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with Sainsburys Bank your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Sainsburys Bank’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Sainsburys Bank. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I am purchasing a house and need a conveyancing solicitor in Newcastle who is on the Sainsburys Bank approved. Can you recommend a local solicitor?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Sainsburys Bank . We don’t recommend any particular firm.
My uncle passed away six months ago and as sole heir and executor was left the house. The house had a small mortgage left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Sainsburys Bank , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Sainsburys Bank will insist on your using a conveyancer on the Sainsburys Bank 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 Sainsburys Bank 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 Sainsburys Bank mortgage is registered as a charge at the Land Registry.
Two weeks ago we had a mortgage agreed in principle with Sainsburys Bank. Solicitors have been appointed? How long does it take for Sainsburys Bank to send the offer to our conveyancer
Some lenders take longer than others. Have Sainsburys Bank completed the survey? Have you advised Sainsburys Bank as your lawyers details and checked that your lawyer is on the Sainsburys Bank conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
What are the common reasons for a lender such as Sainsburys Bank to withdraw a mortgage offer?
Lenders such as Sainsburys Bank can withdraw their mortgage offer although this rarely happens. If Sainsburys Bank withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are 5 examples:
  • Sainsburys Bank may amend or withdraw an offer if the Sainsburys Bank conveyancing panel solicitor is unable to confirm compliance with any of the conditions of the mortgage offer or if any of the terms of the mortgage offer cannot be satisfied
  • If the financial circumstances of the borrower have changed to the detriment and the Sainsburys Bank has been notified
  • If the borrower informs Sainsburys Bank of a change in the loan amount agreed
  • Where the sale is not at arms length for value to unconnected persons
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
Sainsburys Bank 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 Sainsburys Bank or your broker and complete any relevant paperwork. Sainsburys Bank will tell you what documents they want. Sainsburys Bank 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. Sainsburys Bank 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.