Find a Law Firm
approved by Reliance

You have a number of options available to you here:

1. Carry on with your existing solicitors but Reliance Bank will need to instruct a lawyer on the Reliance Bank conveyancing panel. This will result in additional cost and potential delay.
2. Get a new solicitor to act in the purchase, obviously checking they are on the Reliance Bank conveyancing panel.
3. Convince your lawyer to do everything within their powers to join the Reliance Bank conveyancing panel

A precondition to being on the Reliance Bank approved panel is to comply with the CML Handbook requirements (last updated for this lender on Reliance Bank) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.

You can use the find a conveyancing panel search on this page. 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 Reliance Bank solicitor panel.

It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Reliance Bank Conveyancing Panel Terms. It might be worth you contacting Reliance Bank directly.

Reliance Bank do not ordinarily 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 Reliance Bank list

If you have finished paying off your Reliance 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 Reliance Bank mortgage from the register. Reliance 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 Reliance Bank has sent the Land Registry the discharge electronically, and the Reliance Bank has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Reliance Bank mortgage has been paid off.

Reliance Bank will need an independent valuation of the property. Your lawyer will not arrange this. Usually Reliance Bank 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 Reliance Bank you could contact your them to see if they have a list of approved surveyors.