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approved by TogetherPersonal
Ready to buy a new home? Failing to check that a lawyer is on the TogetherPersonal 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 Together Personal Finance Limited Conveyancing Panel? How can my firm be reinstated onto the Together Personal Finance Limited Conveyancing Panel?Find an Approved Solicitor on the Together Personal Finance Limited Conveyancing Panel
Frequently asked questions relating to the Together Personal Finance Conveyancing Panel
On what basis would a law firm be excluded from the Together Personal Finance solicitor panel?
According to a recent survey report by the solicitors regulator three quarters of solicitor practices had been removed from a lender panel. The most common reasons in order are :
- lack of transactions
- the lawyer is a sole practitioner
- as part of the HSBC panel reduction
- regulatory contact by SRA
- accidental removal. We are not aware of the specific or common criteria for removal by Together Personal Finance
I am purchasing a brand new duplex and my solicitor is telling me that she is duty bound to disclose incentives from the builder as her firm is on the Together Personal Finance conveyancing panel. I am nearing the developer’s deadline to exchange contracts and I would rather not delay matters. Is my lawyer right?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Together Personal Finance approved panel is to comply with the CML Handbook requirements (last updated for this lender on Together Personal Finance). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Are the lawyers identified as being on the Together Personal Finance conveyancing panel, together with their details provided by Together Personal Finance?
The firms themselves provide us confirmation that they are on the Together Personal Finance conveyancing panel as opposed to being supplied with a list from Together Personal Finance directly.
My grandmother passed away last year and as sole heir and executor was left the property. The house had a relatively small loan left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Together Personal Finance , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Together Personal Finance will insist on your using a conveyancer on the Together Personal Finance 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 Together Personal Finance 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 Together Personal Finance mortgage is registered as a charge at the Land Registry.
I have not been happy with the level or service received from my lawyer. Is there a Together Personal Finance conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to Together Personal Finance about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.
The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.
If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.
Planning on purchasing a house with a mortgage with Together Personal Finance. 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 Together Personal Finance 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 Together Personal Finance conveyancing panel
My offer on house has been accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with Together Personal Finance?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Together Personal Finance conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Together Personal Finance and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.