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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.
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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
Birmingham Midshires Conveyancing Panel : Questions and Answers
My financial adviser has informed me that I have to pay Birmingham Midshires fees should I instruct my family lawyer. How efficient are the Birmingham Midshires conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH as long as they're good and reasonably priced. Are there any Birmingham Midshires conveyancers you'd recommend?
Birmingham Midshires’s conveyancing panel is substantial so your best bet is just to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Birmingham Midshires will allow to act for them.
My husband and I are refinancing our apartment with Birmingham Midshires. We have a son approaching twenty who lives with us. The solicitor on the Birmingham Midshires conveyancing panel requested us to identify any adults other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this form unique to the Birmingham Midshires conveyancing panel as he did not need to sign this form when we bought 4 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Birmingham Midshires .This is solely used to protect the Birmingham Midshires if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.
It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Birmingham Midshires had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
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.
I am selling my house. Does my solicitor have to be on the Birmingham Midshires conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Birmingham Midshires conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Are all Conveyancing Quality Solicitors on the Birmingham Midshires conveyancing panel?
A selection of lenders now use CQS as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS membership however gives 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 approved list of conveyancing solicitors.
Completion of my remortgage has taken place with a mortgage from Birmingham Midshires. Conveyancing was satisfactory but I would like to complain about Birmingham Midshires. How do I make a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the Birmingham Midshires branches or the Customer Care Department at Birmingham Midshires head office. In most cases complaints to Birmingham Midshires are sorted out very quickly. However if you are not satisfied that the matter is resolved you can write to the
Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
My offer on house has been accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What should be my next step? When should I get the mortgage app going with Birmingham Midshires?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Birmingham Midshires conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Birmingham Midshires and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.
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