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FAQs : The Yorkshire Building Society Solicitor Panel
My fiance and I are purchasing a 2 bedroom flat in Newcastle with a mortgage from Yorkshire Building Society. We would like to retain our lawyer but Yorkshire Building Society says she’s not on their "panel". We have to appoint one of the Yorkshire Building Society 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 Yorkshire Building Society 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 Yorkshire Building Society 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 Yorkshire Building Society
My fiance and I changing mortgage lender for our maisonette with Yorkshire Building Society. We have a son 18 who lives with us. The solicitor on the Yorkshire Building Society conveyancing panel requested us to identify anyone over the age of 17 other than ourselves who lives in the flat. 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 form unique to the Yorkshire Building Society conveyancing panel as he did not need to sign this form when we purchased 5 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 Yorkshire Building Society .This is solely used to protect the Yorkshire Building Society 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 Yorkshire Building Society 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.
I note that you have a post code search directory listing solicitors on the Yorkshire Building Society conveyancing panel. Do firms pay you a commission if I instruct them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Yorkshire Building Society conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am purchasing a new build flat and getting a mortgage with Yorkshire Building Society. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Yorkshire Building Society conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Yorkshire Building Society conveyancing panel in your location.
My husband and I are in the throws of viewing apartments and am about to put in an offer. Is it premature to have a solicitor in place? I will be getting a mortgage with Yorkshire Building Society
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with Yorkshire Building Society , make sure you remember to check that your lawyer is on the Yorkshire Building Society conveyancing panel.
I have today made my last payment due on mortgage with Yorkshire Building Society. I assume I don't need a solicitor on the Yorkshire Building Society panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Yorkshire Building Society 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 Yorkshire Building Society mortgage from the register. Yorkshire Building Society,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 Yorkshire Building Society has sent the Land Registry the discharge electronically, and
the Yorkshire Building Society has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Yorkshire Building Society mortgage has been paid off.
I have instructed a lawyer having made sure that they are on the Yorkshire Building Society conveyancing panel. Does my lawyer arrange the survey of the property?
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I've read lots of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Yorkshire Building Society conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Yorkshire Building Society will need an independent valuation of the property. Your lawyer will not arrange this. Usually Yorkshire Building Society 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 Yorkshire Building Society you could contact your them to see if they have a list of approved surveyors.