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approved by RBS - Virgin One

RBS - Virgin One’s approved solicitor list is, like many other lenders associated to the Council or Mortgage Lenders or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.

You have limited options available to you. As you are taking a mortgage with RBS - Virgin One your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of RBS - Virgin One’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated RBS - Virgin One. even if you were a cash buyer you would be ill advised not to carry out a local authority search.

Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for RBS - Virgin One . We don’t recommend any particular firm.

Ordinarily, even if your lawyer is not on the RBS - Virgin One 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.

obtaining recommendations is a sensible starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the solicitor carrying out your transaction

All banks and building societies have complaints procedures. Your first point of contact should be one of the RBS - Virgin One branches or the Customer Care Department at RBS - Virgin One head office. We understand that complaints to RBS - Virgin One are resolved effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.

RBS - Virgin One will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS - Virgin One 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. or 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 RBS - Virgin One you could contact your them to see if they have a list of approved surveyors.