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approved by Scottish Widows
Ready to buy a new home? Failing to check that a lawyer is on the Scottish Widows list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?How does my firm apply to be on the Scottish Widows Bank plc Conveyancing Panel? How can my firm be reinstated onto the Scottish Widows Bank plc Conveyancing Panel?
Find an Approved Solicitor on the Scottish Widows Bank plc Conveyancing Panel
FAQs for the Scottish Widows Solicitor Panel
We are buying a 2 bedroom flat in Newcastle with a mortgage from Scottish Widows. We would like to retain our lawyer but Scottish Widows says she’s not on their "panel". We have to appoint one of the Scottish Widows panel firms or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that Scottish Widows use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Scottish Widows conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Scottish Widows
My solicitor has discovered an inconsistency when comparing the assumptions in Scottish Widows’s home valuation survey and what is revealed within the legal papers for the property. My solicitor informs me that as he is on the Scottish Widows conveyancing panel he must ensure that the bank is happy with this discrepancy and is content go ahead. Is my solicitor’s course or action legitimate?
A precondition to being on the Scottish Widows approved panel is to comply with the CML Handbook requirements (last updated for this lender on Scottish Widows) 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.
Do all mortgage companies provide you with an approved list of solicitors? How do you know who is on the Scottish Widows conveyancing panel?
The firms themselves provide us confirmation that they are on the Scottish Widows conveyancing panel as opposed to being supplied with a list from Scottish Widows directly.
I was scheduled to complete on my flat yesterday. My solicitor is on the Scottish Widows conveyancing panel but has changed address 8 weeks ago and had not advised Scottish Widows of their new address. Scottish Widows is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. 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 Scottish Widows branch or your mortgage broker to see if they can help.
Are all conveyancing solicitors on the Scottish Widows conveyancing panel regulated by the SRA?
As a firm of solicitors, in order to be on the Scottish Widows 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).
I have paid off my mortgage with Scottish Widows. I assume I don't need a solicitor on the Scottish Widows panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Scottish Widows 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 Scottish Widows mortgage from the register. Scottish Widows,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 Scottish Widows has sent the Land Registry the discharge electronically, and the Scottish Widows has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Scottish Widows mortgage has been paid off.
I am currently in the process of buying my council flat. I have a mortgage offer with Scottish Widows. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
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 Scottish Widows you will need to appoint a solicitor on the Scottish Widows conveyancing panel.