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Find an Approved Solicitor on the Stafford Railway Building Society Conveyancing Panel

Q and A’s regarding the Stafford Railway Building Society Conveyancing Panel

We are buying a 2 bedroom flat in London with a mortgage from Stafford Railway Building Society. We would like to retain our solicitor but Stafford Railway Building Society says she’s not on their "panel". We have to appoint one of the Stafford Railway Building Society panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Stafford Railway Building Society use our lawyer?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Stafford Railway Building Society 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. A further alternative is for your solicitors to apply to be on the conveyancing panel for Stafford Railway Building Society
My wife and I are refinancing our penthouse with Stafford Railway Building Society. We have a son 19 who lives with us. The solicitor on the Stafford Railway Building Society conveyancing panel has asked us to disclose anyone over the age of 17 other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have a couple of concerns (1) Is this document specific to the Stafford Railway Building Society conveyancing panel as he never had to sign this form when we remortgaged 4 years ago (2) Does our son by signing this giving up his rights to inherit the property?
First, rest assured that your Stafford Railway Building Society conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Stafford Railway Building Society .This is solely used to protect the Stafford Railway Building Society if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Stafford Railway Building Society had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Stafford Railway Building Society conveyancing panel. My lawyer has said that they are on the Stafford Railway Building Society approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Stafford Railway Building Society conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Stafford Railway Building Society solicitor panel.
I am buying a semi-detached house and getting a mortgage with Stafford Railway Building Society. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Stafford Railway Building Society conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Stafford Railway Building Society conveyancing panel in your location.
Is it the case that all conveyancing solicitors on the Stafford Railway Building Society conveyancing panel work on a no move no charge basis?
There is generally no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
I am due to exchange contracts on my house. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Stafford Railway Building Society are being problematic. The solicitor who is on the Stafford Railway Building Society conveyancing panel is saying indemnity insurance will be fine but Stafford Railway Building Society are requiring a building regulation certificate. Why do Stafford Railway Building Society have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Stafford Railway Building Society have referred the matter to their valuer. The reason why Stafford Railway Building Society may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
Planning on purchasing a house with a mortgage with Stafford Railway Building Society. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Stafford Railway Building Society conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Stafford Railway Building Society conveyancing panel