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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.
Looking for information about your firm's panel status?Is my firm on the Together Personal Finance Limited Conveyancing Panel? 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?
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Q and A’s regarding the Together Personal Finance Solicitor Panel
We are purchasing a 3 bedroom apartment in Leeds with a mortgage from Together Personal Finance. We would like to retain our solicitor but Together Personal Finance says he's not on their "panel". It seems we have little choice but to instruct one of the Together Personal Finance panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; is there anything we can do?
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 Together Personal Finance 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 lawyer to apply to be on the conveyancing panel for Together Personal Finance
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Together Personal Finance will not agree to this. Why was Together Personal Finance even consulted?
Your lawyer being on the Together Personal Finance conveyancing panel is duty bound to inform Together Personal Finance of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Together Personal Finance then they would have to discontinue acting for you and Together Personal Finance.
I need to find a Together Personal Finance panel solicitor in Inverness. Could you help me?
It is not clear why you need a Together Personal Finance panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Together Personal Finance to find out which solicitors in Together Personal Finance are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
My house is up for sale and I have a buyer. Does my solicitor have to be on the Together Personal Finance conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Together Personal Finance conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Do conveyancing solicitors on the Together Personal Finance conveyancing panel work on a no sale no fee basis?
On the whole there are 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
Is it common for Together Personal Finance to withdraw a mortgage offer and what would be the reasoning?
Banks and Building Societies such as Together Personal Finance can revoke their mortgage offer although this rarely happens. should Together Personal Finance withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are many potential reasons but here are a few examples:
- Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Together Personal Finance conveyancing panel solicitors would be obliged to notify Together Personal Finance of a change in the price of the property.
- Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
- Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
- Where the sale is not at arms length for value to unconnected persons
- If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;
I'm spending time looking at apartments and now considering a potential offer. Is it best to have a conveyancer on ‘stand by’? I intend to finance via a mortgage with Together Personal Finance
It would be sensible to have your start your search soon rather than later. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with Together Personal Finance , ask your prospective lawyers check they are on the Together Personal Finance conveyancing panel otherwise they can't do the mortgage legal work.