Common questions asked concerning the Birmingham Bank Solicitor Panel
from members of the public
I need to swap lawyers as my lawyer is not on the Birmingham Bank panel of conveyancing solicitors. Is it practical to instruct different lawyers?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
We are only a couple days away from an exchange and my mum and dad having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Birmingham Bank. Apparently, being on the Birmingham Bank conveyancing panel and acting on their behalf he must inform Birmingham Bank if the balance of the mortgage advance is not just from me. I disclosed to the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with Birmingham Bank to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Birmingham Bank if you agree, failing which, your lawyer must cease to continue acting.
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Birmingham Bank conveyancing panel. My lawyer has said that they are on the Birmingham Bank 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 Bank 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 Bank solicitor panel.
I am in the process of mortgaging my flat does my lawyer need to be on the Birmingham Bank Solicitor panel?
There is nothing to stop you using your solicitor but Birmingham Bank will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
Can I be sure that the solicitor on the Birmingham Bank panel is any good?
Getting recommendations is a good starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor handling your transaction
I have had an offer accepted on a house I spoke to a conveyancer previously used by my uncle and he recommended using a law firm approved by Birmingham Bank. The estate agent recommended two local firms so I asked Birmingham Bank if the 2 suggested solicitors are approved, which they are not. Birmingham Bank pointed out that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Birmingham Bank 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask Birmingham Bank for conveyancing panel firms in your area. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Birmingham Bank conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Birmingham Bank conveyancing panel as it may only take about 2-3 weeks. As long as they meet Birmingham Bank’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
I have today made my last payment due on mortgage with Birmingham Bank. I assume I don't need a solicitor on the Birmingham Bank panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Birmingham Bank 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 Birmingham Bank mortgage from the register. Birmingham Bank,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 Birmingham Bank has sent the Land Registry the discharge electronically, and
the Birmingham Bank has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Birmingham Bank mortgage has been paid off.