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approved by Royal Bank of Scotland -Natwest One
Ready to buy a new home? Failing to check that a lawyer is on the Royal Bank of Scotland -Natwest One list of approved solicitors can put your transaction at risk of delay or failure.
Find an Approved Solicitor on the The Royal Bank of Scotland plc Natwest One Account Conveyancing Panel
FAQs : The Royal Bank of Scotland -Natwest One Solicitor Panel
My husband and I are hoping to buy a 2 bedroom apartment in Leeds with a mortgage from Royal Bank of Scotland -Natwest One. We would like to retain our solicitor but Royal Bank of Scotland -Natwest One says he's not on their "panel". It seems we have little choice but to instruct one of the Royal Bank of Scotland -Natwest One panel firms or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that Royal Bank of Scotland -Natwest One use our lawyer?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Royal Bank of Scotland -Natwest One 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. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Royal Bank of Scotland -Natwest One
My wife and I are refinancing our maisonette with Royal Bank of Scotland -Natwest One. We have a son approaching twenty who lives with us. The solicitor on the Royal Bank of Scotland -Natwest One conveyancing panel has asked us to disclose anyone over the age of 17 other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the apartment is repossessed. I have two concerns (1) Is this document specific to the Royal Bank of Scotland -Natwest One conveyancing panel as he did not need to sign this form when we bought 3 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your Royal Bank of Scotland -Natwest One conveyancing panel solicitor is doing the right thing 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 Royal Bank of Scotland -Natwest One .This is solely used to protect the Royal Bank of Scotland -Natwest One 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 Royal Bank of Scotland -Natwest One 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.
Do lenders provide you with an approved list of solicitors? How do you know who is on the Royal Bank of Scotland -Natwest One conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the Royal Bank of Scotland -Natwest One conveyancing panel as opposed to being supplied with a list from Royal Bank of Scotland -Natwest One directly.
My lawyers in Newcastle have advised me that they can not locate my conveyancing file. To assist with my purchase I took out a mortgage with Royal Bank of Scotland -Natwest One. Is it case that being on the Royal Bank of Scotland -Natwest One 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 Royal Bank of Scotland -Natwest One Conveyancing Panel Terms. It might be worth you contacting Royal Bank of Scotland -Natwest One directly.
I have today made my last payment due on mortgage with Royal Bank of Scotland -Natwest One. I assume I don't need a solicitor on the Royal Bank of Scotland -Natwest One panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Royal Bank of Scotland -Natwest One 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 Royal Bank of Scotland -Natwest One mortgage from the register. Royal Bank of Scotland -Natwest One,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 Royal Bank of Scotland -Natwest One has sent the Land Registry the discharge electronically, and
the Royal Bank of Scotland -Natwest One has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Royal Bank of Scotland -Natwest One mortgage has been paid off.
My ex -wife’s name is on the Royal Bank of Scotland -Natwest One mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Royal Bank of Scotland -Natwest One mortgage in order to sell?
As regards the Royal Bank of Scotland -Natwest One mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Royal Bank of Scotland -Natwest One in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.
Royal Bank of Scotland -Natwest One 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 Royal Bank of Scotland -Natwest One or your broker and complete any relevant paperwork. Royal Bank of Scotland -Natwest One will tell you what documents they want. Royal Bank of Scotland -Natwest One 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. Royal Bank of Scotland -Natwest One 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.