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approved by Bradford & Bingley
Ready to buy a new home? Failing to check that a lawyer is on the Bradford & Bingley 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 Bradford & Bingley Limited Conveyancing Panel? How can my firm be reinstated onto the Bradford & Bingley Limited Conveyancing Panel?Find an Approved Solicitor on the Bradford & Bingley Limited Conveyancing Panel
Frequently asked questions relating to the Bradford & Bingley Conveyancing Panel
I was advised recently by my mortgage adviser that my the law firm I have appointed is not on the Bradford & Bingley Conveyancing panel. What can I do to be sure that this is correct?
The first thing you need to do is to contact your lawyer directly. You lawyer should advise you what has happened. If they are not on the panel they may recommend you to a firm that is on the the approved Bradford & Bingley solicitor panel.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Bradford & Bingley will not agree to this. Why was Bradford & Bingley even consulted?
Your lawyer being on the Bradford & Bingley conveyancing panel is duty bound to inform Bradford & Bingley of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Bradford & Bingley then they would have to discontinue acting for you and Bradford & Bingley.
How do I find a local solicitor on the Bradford & Bingley conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the conveyancer.
Feel free to make use of the find a conveyancing panel search on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Bradford & Bingley solicitor panel.
My aunt passed away six months ago and as sole heir and executor was left the house. The house had a relatively small loan left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Bradford & Bingley , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Bradford & Bingley will insist on your using a conveyancer on the Bradford & Bingley 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 Bradford & Bingley 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 Bradford & Bingley mortgage is registered as a charge at the Land Registry.
Are all Conveyancing Quality Solicitors on the Bradford & Bingley conveyancing panel?
A selection of lenders now use CQS as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.
I am selling my house. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Bradford & Bingley are being a right pain. The solicitor who is on the Bradford & Bingley conveyancing panel is recommending indemnity insurance as a solution but Bradford & Bingley are insisting on a building regulation certificate. Why do Bradford & Bingley have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Bradford & Bingley have referred the matter to their valuer. The reason why Bradford & Bingley may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
Bradford & Bingley have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Bradford & Bingley or your broker and complete any relevant paperwork. Bradford & Bingley will tell you what documents they want. Bradford & Bingley will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Bradford & Bingley will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
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