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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 Conveyancing Panel
The solicitor my husband and I had intended to instruct on a remortgage said she would charge more if my mortgage is with Birmingham Bank due to their difficult processes! Am I likely to be frustrated using Birmingham Bank? Is Birmingham Bank conveyancing so much more difficult?
Birmingham Bank conveyancing requirements for their panel are no better or no more complicated than most lenders.
It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender.
It is not clear if your lawyer is on the Birmingham Bank conveyancing panel. If they are not, this does add further risk of delay as Birmingham Bank will appoint their own solicitors to look after their interest.
Our god-son is in the process of securing a new build apartment with a mortgage from Birmingham Bank. His lawyer has advised him of a delay in completing the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties engaged in the transaction. Therefore, it will be provided to your son’s lawyer who should be on the Birmingham Bank conveyancing panel as a standard part of the process, and to the surveyor when requested.
The Developer will be required to start the process by downloading the form and completing it.
The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Birmingham Bank conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
Is it necessary during the course of the conveyancing process to attend the offices of the Birmingham Bank conveyancing panel solicitor to execute the legal charge? If so, I will appoint a lawyer who conducts conveyancing in Manchester
so that I can attend their offices if required.
Most conveyancing panel lawyers for Birmingham Bank undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
My aunt passed away last year and as sole heir and executor was left the house. The house had a small mortgage remaining of approximately £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Birmingham Bank , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Birmingham Bank will insist on your using a conveyancer on the Birmingham Bank 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 Birmingham Bank 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 Birmingham Bank mortgage is registered as a charge at the Land Registry.
Do conveyancing lawyers on the Birmingham Bank conveyancing panel work on a no sale no fee basis?
There is generally 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
We are getting a further advance on our mortgage from Birmingham Bank as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the Birmingham Bank conveyancing panel to deal with the legals?
Birmingham Bank would not normally instruct firms on their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Birmingham Bank list
I have today made my last payment due on mortgage with Birmingham Bank. I assume I don't need a solicitor on the Birmingham Bank panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Birmingham Bank mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Birmingham Bank mortgage from the register. Birmingham Bank,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the Birmingham Bank has sent the Land Registry the discharge electronically, and
the Birmingham Bank has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Birmingham Bank mortgage has been paid off.
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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