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approved by West Bromwich Mtg Co

Ready to buy a new home? Failing to check that a lawyer is on the West Bromwich Mtg Co list of approved solicitors can put your transaction at risk of delay or failure.

Find an Approved Solicitor on the West Bromwich Mortgage Company Conveyancing Panel

FAQs for the West Bromwich Mortgage Company Solicitor Panel

My Conveyancer is not listed on the West Bromwich Mortgage Company Approved Panel. Is it possible for me to use my preferred solicitor notwithstanding that they are excluded from the West Bromwich Mortgage Company panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a West Bromwich Mortgage Company mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the West Bromwich Mortgage Company conveyancing panel additional costs will be incurred as separate legal representation will be required by West Bromwich Mortgage Company. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
I do hope you can help me. My conveyancer is advising me that she is duty-bound to conduct a Local Authority search stemming from the fact that the firm are on the West Bromwich Mortgage Company solicitor panel. Do I not have a choice here?
You have limited options available to you. Given that you are taking out a loan with West Bromwich Mortgage Company 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 West Bromwich Mortgage Company’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated West Bromwich Mortgage Company. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Do all the licensed conveyancers and solicitor practices listed on your directory have online case tracking as I was under the impression that this was a precondition of being on the West Bromwich Mortgage Company conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
Can you clarify what the consequences are if my solicitor is expelled from the West Bromwich Mortgage Company Solicitor panel before the completion date?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
I have instructed a lawyer having checked that they are on the West Bromwich Mortgage Company conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of mortgage guides,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the West Bromwich Mortgage Company conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
West Bromwich Mortgage Company will need an independent valuation of the property. Your lawyer will not arrange this. Usually West Bromwich Mortgage Company 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 West Bromwich Mortgage Company you could contact your them to see if they have a list of approved surveyors.
At last I have had an offer on an apartment 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 booked. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with West Bromwich Mortgage Company?
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 West Bromwich Mortgage Company 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 West Bromwich Mortgage Company and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.
We are are taking a long lease of a garden flat in Hendon. Conveyancing solicitors in Hendon are preferred to beretained. My motheradvised that we check that the conveyancer in Hendon is on the West Bromwich Mortgage Company solicitors panel. Surely I don't need to do this, do I?
Not all Hendon conveyancing firms are on the West Bromwich Mortgage Company conveyancing panel. 7 people a month use our search tool to search for a Hendon conveyancing practitioner on the on the West Bromwich Mortgage Company solicitors pane.