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Ready to buy a new home? Failing to check that a lawyer is on the secureTrustBank 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 Secure Trust Bank PLC Conveyancing Panel? How can my firm be reinstated onto the Secure Trust Bank PLC Conveyancing Panel?Find an Approved Solicitor on the Secure Trust Bank PLC Conveyancing Panel
FAQs for the Secure Trust Bank Conveyancing Panel
I am obtaining a mortgage offer from Secure Trust Bank. I would like to retain the legal services of a Licensed Conveyancer. Does the Secure Trust Bank Conveyancing panel include Licensed Conveyancers
Secure Trust Bank’s conveyancing panel is, like many other lenders represented by the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
I do hope you can help me. My lawyer is advising me that she is duty-bound to conduct a Local Authority search stemming from the fact that the firm are on the Secure Trust Bank solicitor panel. Is my lawyer correct?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with Secure Trust Bank your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Secure Trust Bank’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Secure Trust Bank. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Are there any apps to help search for a local solicitor on the Secure Trust Bank conveyancing panel? I have a car and am prepared to travel up to 25 miles to meet the solicitor.
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 Secure Trust Bank solicitor panel.
My lawyers in London have advised me that they can not locate my conveyancing file. At the time of my purchase I took out a mortgage with Secure Trust Bank. Is it case that being on the Secure Trust Bank conveyancing panel they need to have retained the file for a number of years?
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 Secure Trust Bank Conveyancing Panel Terms. It might be worth you contacting Secure Trust Bank directly.
Is it the case that all solicitor firms on the Secure Trust Bank conveyancing panel regulated by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Secure Trust Bank conveyancing panel they would need to be regulated by the SRA. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
We were going to get a DIP from Secure Trust Bank this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the Secure Trust Bank recommend a solicitor on the Secure Trust Bank conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Secure Trust Bank conveyancing panel. The solicitor represents both you and the Secure Trust Bank through the process.
I have instructed a lawyer having made sure that they are on the Secure Trust Bank conveyancing panel. Does my lawyer arrange the survey of the property?
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Having digested plenty of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Secure Trust Bank conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Secure Trust Bank will need an independent valuation of the property. Your lawyer will not arrange this. Usually Secure Trust 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.
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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 Secure Trust Bank you could contact your them to see if they have a list of approved surveyors.
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Transfer of Equity for Secure Trust BankPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors