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approved by Birmingham Midshires
Ready to buy a new home? Failing to check that a lawyer is on the Birmingham Midshires list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?
How does my firm apply to be on the Birmingham Midshires Conveyancing Panel? How can my firm be reinstated onto the Birmingham Midshires Conveyancing Panel?Find an Approved Solicitor on the Birmingham Midshires Conveyancing Panel
Common questions asked concerning the Birmingham Midshires Solicitor Panel
A conveyancer my fiance and I wanted to use for conveyancing on a remortgage said he would charge more if my lender is due to their unusual legal requirements. Will I regret using Birmingham Midshires? Is Birmingham Midshires conveyancing so much more difficult?
Birmingham Midshires 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 Midshires conveyancing panel. If they are not, this does add further risk of delay as Birmingham Midshires will appoint their own solicitors to look after their interest.
I am purchasing a new build apartment and my conveyancer is telling me that she has to disclose incentives from the seller as her practice is on the Birmingham Midshires conveyancing panel. I am under pressure to exchange and I would rather not prolong deal. Is my lawyer right?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Birmingham Midshires approved panel is to comply with the CML Handbook requirements (last updated for this lender on Birmingham Midshires). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Birmingham Midshires conveyancing panel. My lawyer has said that they are on the Birmingham Midshires approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Birmingham Midshires conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Birmingham Midshires solicitor panel.
We're in Liverpool, FTBs purchasing with a mortgage (lender is Birmingham Midshires , but our lawyer is on the Birmingham Midshires conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Birmingham Midshires conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Is it common for Birmingham Midshires to withdraw a mortgage offer and what would be the reasoning?
Banks and Building Societies such as Birmingham Midshires can withdraw their mortgage offer although this rarely happens. should Birmingham Midshires withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are a number of examples:
- If the borrower informs Birmingham Midshires of a change in security address
- Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
- Where to proceed with the Mortgage offer would be unlawful
- Following advice from the valuer on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
- If the solicitor on the Birmingham Midshires conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with Birmingham Midshires ‘s instructions
My existing mortgage is with Birmingham Midshires. My father retired last week and wants to pay off my mortgage. After Birmingham Midshires is paid, I want to transfer the property to my mother's name; How long will it roughly take? Do we need two separate solicitors on the Birmingham Midshires conveyancing panel? I do not intend to live at the property once the Birmingham Midshires mortgage is discharged.
Although you do need to retain the services of a lawyer they dont
need to be on the Birmingham Midshires panel.
You will need a solicitor to draw up the transfer and
to deal with the Land Registry formalities. The only thing you need to
consider is that by selling at an undervalue so ask your lawyer about
the implications. There could be an inheritance tax issue if you die
within 7 years of this. As the property is your main residence you need
not pay CGT but you should speak with your accountants in any event.
I currently have a mortgage with with Birmingham Midshires. Conveyancing has been completed 12 months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Birmingham Midshires?
Your original mortgage agreement with Birmingham Midshires will provide that you need their approval before letting out your property as this is likely to be a breach of Birmingham Midshires’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Birmingham Midshires directly. It should not be necessary to do this via a Birmingham Midshires conveyancing panel solicitor.
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