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approved by Stafford Railway BS
Ready to buy a new home? Failing to check that a lawyer is on the Stafford Railway BS 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 Stafford Railway Building Society Conveyancing Panel? How can my firm be reinstated onto the Stafford Railway Building Society Conveyancing Panel?Find an Approved Solicitor on the Stafford Railway Building Society Conveyancing Panel
FAQs for the Stafford Railway Building Society Solicitor Panel
I am getting a mortgage with Stafford Railway Building Society. I would like to employ the services of a Licensed Conveyancer. Does the Stafford Railway Building Society Solicitor panel include Licensed Conveyancers
Stafford Railway Building Society’s approved solicitor list is, like many other lenders represented by the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the CLC.
My conveyancing solicitor has informed me that he requires personal identification documents asserting that this forms part of his requirements as a solicitor on the Stafford Railway Building Society Solicitor panel. Can you confirm whether this is the case?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with Stafford Railway Building Society your lawyer also has to check ID documents to satisfy Stafford Railway Building Society
Whilst your website is a good idea there are many lawyers listed near Hackney on the Stafford Railway Building Society conveyancing panel. Can you recommend a specific firm on the Stafford Railway Building Society approved panel?
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..
My lawyers in Birmingham have advised me that they can not locate my conveyancing file. To assist with my purchase I took out a mortgage with Stafford Railway Building Society. Is it case that being on the Stafford Railway Building Society conveyancing panel they need to have retained the file for a prescribed period?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Stafford Railway Building Society Conveyancing Panel Terms. It might be worth you contacting Stafford Railway Building Society directly.
Completion of my remortgage has taken place with a loan from Stafford Railway Building Society. Conveyancing was satisfactory but I would like to complain about Stafford Railway Building Society. Who do I contact should I wish to lodge a complaint?
Almost all lenders have complaints procedures. Your first port of call should be one of the Stafford Railway Building Society branches or the Customer Care Department at Stafford Railway Building Society head office. We understand that complaints to Stafford Railway Building Society are sorted out effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the
Financial Ombudsman Service who will take matters further.
I have instructed a lawyer having checked that they are on the Stafford Railway Building Society conveyancing panel. Does my lawyer arrange the survey of the property?
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I've read lots of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Stafford Railway Building Society conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Stafford Railway Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Stafford Railway 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 Stafford Railway Building Society you could contact your them to see if they have a list of approved surveyors.
Stafford Railway 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 Stafford Railway Building Society or your broker and complete any relevant paperwork. Stafford Railway Building Society will tell you what documents they want. Stafford Railway 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. Stafford Railway 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.