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Virgin Conveyancing Panel Recently Asked Questions
We are hoping to buy a 3 bedroom apartment in Leeds with a mortgage from Virgin. We like our lawyer but Virgin says she’s not on their "panel". It seems we have little choice but to instruct one of the Virgin panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Virgin use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Virgin conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Virgin
My solicitor has discovered an inconsistency when comparing the assumptions in Virgin’s valuation survey and what is revealed within the legal papers for the property. My lawyer has advised that as he is on the Virgin conveyancing panel he must check that the lender is with this discrepancy and is still content to lend. Is my solicitor’s stance legitimate?
A precondition to being on the Virgin approved panel is to comply with the CML Handbook requirements (last updated for this lender on Virgin) 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.
How do I find a local solicitor on the Virgin conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the lawyer.
You can use the find a conveyancing panel tool 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 Virgin solicitor panel.
My uncle passed away 10 months ago and as sole heir and executor was left the house. The house had a relatively small loan left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Virgin , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Virgin will insist on your using a conveyancer on the Virgin 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 Virgin 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 Virgin mortgage is registered as a charge at the Land Registry.
Planning on purchasing a house with a mortgage with Virgin. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Virgin conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Virgin conveyancing panel
After shopping around on the internet I have found a solicitor having checked that they are on the Virgin conveyancing panel. Does my lawyer arrange the survey of the property?
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I've digested plenty of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Virgin conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Virgin will need an independent valuation of the property. Your lawyer will not arrange this. Usually Virgin 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 Virgin you could contact your them to see if they have a list of approved surveyors.
Next month my fiance and I are purchasing a 1st floor apartment in Hendon. Conveyancing solicitors in Hendon are about to beappointed. My fathersuggested that we make sure that the conveyancing practitioner in Hendon is on the Virgin list of approved conveyancing firms. Aren't all lawyers on the Virgin panel?
It is not that case that all Hendon conveyancing practices are on the Virgin conveyancing panel. 8 people a month use our search tool to locate a Hendon conveyancing lawyer on the on the Virgin approved list of lawyers.
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