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Ready to buy a new home? Failing to check that a lawyer is on the Virgin 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 Virgin Money plc Conveyancing Panel? How can my firm be reinstated onto the Virgin Money plc Conveyancing Panel?Find an Approved Solicitor on the Virgin Money plc Conveyancing Panel
FAQs for the Virgin Solicitor Panel
My IFA has has requested my solicitor’s panel reference for the Virgin conveyancing panel. How do I obtain this. I have called my local Virgin office but they have not got back to me yet.
Have you tried speaking to your lawyer about this?. They should have a central record lender panel numbers including the Virgin panel reference.
can you help? My lawyer is assuring me that she is duty-bound to conduct a Local Authority search as the firm are on the Virgin solicitor panel. The searches cost a lot of money. Can this be avoided?
Unfortunately both you and your lawyer have little choice here. As you are taking a mortgage with Virgin 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 Virgin’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Virgin. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I am Googling for conveyancing quotes online. Can I be confident that all the practices that are identified on your site are on the Virgin conveyancing panel?
The law firms listed on our site have advised us that they are on the Virgin panel and agreed to advise us to take down their listing in the event of removal off of the Virgin panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Virgin conveyancing panel is not accurate.
My aunt passed away six months ago and as sole heir and executor was left the house. The house had a relatively small loan remaining of approximately £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Virgin , pay off the mortgage etc. Is this allowed?
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.
Is there a list of Virgin panel conveyancers on the Council of Mortgage Lender’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
The mortgage over my property is with Virgin. Conveyancing has been completed 12 months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Virgin?
Virgin must be informed of your intention in advance of letting out your property as this is likely to be a breach of Virgin’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Virgin directly. You need not do this via a Virgin conveyancing panel solicitor.
I am selling my flat. I had a double glazing fitted in month 7 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Virgin are being a right pain. The solicitor who is on the Virgin conveyancing panel is recommending indemnity insurance as a solution but Virgin are insisting on a building regulation certificate. Why do Virgin have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Virgin have referred the matter to their valuer. The reason why Virgin may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
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Transfer of Equity for VirginPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors