Common questions asked concerning the Birmingham Midshires Conveyancing Panel
from members of the public
My lawyer is not listed on the Birmingham Midshires Approved Panel. Is it possible for me to retain my family solicitor notwithstanding that they are excluded from the Birmingham Midshires approved list?
The most common options here are as follows:
- Carry on with your existing solicitors but Birmingham Midshires will need to instruct a lawyer on the Birmingham Midshires conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Birmingham Midshires conveyancing panel.
- Convince your lawyer to do everything within their powers to join the Birmingham Midshires conveyancing panel
My conveyancer has spotted a difference when comparing the information in Birmingham Midshires’s home valuation survey and what is in the legal papers for the property. My solicitor has advised that as he is on the Birmingham Midshires conveyancing panel he is obliged to check that the lender is happy with this discrepancy and is content go ahead. Is my conveyancer’s stance right?
A precondition to being on the Birmingham Midshires approved panel is to comply with the CML Handbook requirements (last updated for this lender on Birmingham Midshires) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
How do I find a local solicitor on the Birmingham Midshires conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the conveyancer.
Feel free to make use of the find a conveyancing panel search on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Birmingham Midshires solicitor panel.
I am buying a new build flat and getting a mortgage with Birmingham Midshires. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Birmingham Midshires 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 Birmingham Midshires conveyancing panel in your location.
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Birmingham Midshires conveyancing panel?
A selection of banks and building societies now use the accreditation scheme as the starting point for Panel approval such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their approved list of firms.
Can you point me to a directory of Birmingham Midshires panel solicitors on the CML Handbook 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.
I was told two weeks ago that my mortgage has been agreed
to by Birmingham Midshires. Is it usual for Birmingham Midshires to only issue the offer once my
solicitor is approved on their conveyancing panel?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Birmingham Midshires to deal with your lawyers application to be on the Birmingham Midshires conveyancing panel. There's no guarantee that your solicitors will be accepted.