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approved by BirminghamBank
Ready to buy a new home? Failing to check that a lawyer is on the BirminghamBank 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 Birmingham Bank Conveyancing Panel? How can my firm be reinstated onto the Birmingham Bank Conveyancing Panel?Find an Approved Solicitor on the Birmingham Bank Conveyancing Panel
Examples of recent questions relating to the Birmingham Bank Solicitor Panel
My fiance and I are purchasing a 3 bedroom flat in Leeds with a mortgage from Birmingham Bank. We like our solicitor but Birmingham Bank says he's not on their "panel". We have to appoint one of the Birmingham Bank panel solicitors 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 Birmingham Bank use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Birmingham Bank 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 Birmingham Bank
Our conveyancer has identified a problem with the lease for the property we are buying. The seller’s lawyers have suggested title insurance as a solution. We are happy with insurance and will pay for it. Our solicitor says that as he is on the Birmingham Bank conveyancing panel he must ensure that the lender is happy with this solution. Are we the client or is Birmingham Bank?
Just because you have a mortgage offer from Birmingham Bank does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Birmingham Bank are the client. The appropriate lender requirements must be adhered to by the Birmingham Bank conveyancing panel who has to balance acting for you and Birmingham Bank
Do lenders provide you with an approved list of solicitors? How do you know who is on the Birmingham Bank conveyancing panel?
The firms themselves provide us confirmation that they are on the Birmingham Bank conveyancing panel as opposed to being supplied with a list from Birmingham Bank directly.
I am buying a right to buy flat and getting a mortgage with Birmingham Bank. How practical is it for me to do the conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Birmingham Bank 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 Birmingham Bank conveyancing panel in your location.
I previously instructed online conveyancers located in Birmingham who are on the Birmingham Bank solicitor panel. They are now charging me a separate fee of £195 for the legal aspects of the Birmingham Bank mortgage. Is this an additional conveyancing fee specified by Birmingham Bank?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Birmingham Bank but by your lawyers. Some firms on the Birmingham Bank will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
I can not work out if my mortgage offer requires a lease extension . I have called into my local branch Birmingham Bank on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Birmingham Bank conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
As long as the conveyancer is on the Birmingham Bank panel she or he must comply with the CML Handbook requirements for Birmingham Bank. Unless your lawyer obtains specific confirmation in writing that Birmingham Bank will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Birmingham Bank to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
My offer was accepted on a house on the 6th January 2014, valuation was booked 3 days after, received a clean bill of health. Property lawyer instructed, so all that was missing was my mortgage offer. Having made daily calls to Birmingham Bank and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Birmingham Bank conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Birmingham Bank to deal with your lawyers application to be on the Birmingham Bank conveyancing panel. There's no guarantee that your solicitors will be accepted.
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Transfer of Equity for Birmingham BankPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors