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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
Examples of recent questions relating to the Bradford & Bingley Solicitor Panel
My lawyer has never been on on the Bradford & Bingley Conveyancing Panel. Can I still use my preferred solicitor notwithstanding that they are excluded from the Bradford & Bingley panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Bradford & Bingley mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Bradford & Bingley conveyancing panel additional costs will be incurred as separate legal representation will be required by Bradford & Bingley. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Expecting to complete my purchase next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in has capacity as lawyer for Bradford & Bingley. What does the insurance need to cover?
Any lawyer on the Bradford & Bingley conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Bradford & Bingley’s Part 2 requirements of the CML Handbook (last updated on Bradford & Bingley). Being on the Bradford & Bingley conveyancing panel your lawyer is expect to follow these instructions.
I am planning to acquire a house and require a conveyancing solicitor in who is on the Bradford & Bingley solicitor. Can you recommend a local firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Bradford & Bingley . We don’t recommend any particular firm.
My grandmother passed away six months ago and as sole heir and executor was left the property. The house had a small mortgage left on it of around £8000. I want to transfer the title deeds 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.
I had instructed online solicitors located in Birmingham who are on the Bradford & Bingley solicitor panel. They are now charging me a separate fee of £135 for the legal aspects of the Bradford & Bingley mortgage. Is this a supplemental conveyancing fee set by Bradford & Bingley?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Bradford & Bingley but by your lawyers. Some firms on the Bradford & Bingley will charge an ‘acting for lender’ fee and others do not.
I am currently in the process of buying my council flat. I have a mortgage offer with Bradford & Bingley. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Bradford & Bingley you will need to appoint a solicitor on the Bradford & Bingley conveyancing panel.
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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