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Clydesdale Bank Conveyancing Panel: Recently Asked Questions
Am I obliged,
being on the
Clydesdale Bank conveyancing panel, to carry out a flood search?
Clydesdale Bank make no specific obligation to carry out any of
the searches listed. The UK Finance Lenders’ Handbook simply states that ‘you must
ensure that any other searches which may be appropriate to the
particular property, taking into account its locality and other
features are carried out’.
Please note that most ‘less usual searches’ (as described in the Law Society’s Conveyancing Handbook) are not optional as far as Clydesdale Bank are concerned if they are ‘appropriate’. Most lenders will not require environmental searches (you should Check Part 2 of UK Finance Lenders’ Handbook to be sure), but you are obliged to explain risks and availability to the client.
Ground stability, Plansearch,flood searches as well as the searches listed in the question are optional – but only to the extent that you have allowed the borrower client to make an informed choice. Regardless of whether there is a mortgage, If you have not advised the client that these (and other) searches are available and what risks they cover, then you will be liable if the client suffers loss through not conducting one. Does your ROT and Ts and Cs cover this?
A leading search provider lists over 65 conveyancing searches – do you know what all of them are and when they may be relevant? If you are unsure as to which searches are appropriate based on location call your search provider or call one of the leading search companies such as Searchflow.
My PI renewal application this year contained the following question: ‘Has your Firm been asked by a lender to agree to more onerous terms and conditions than provided for in the UK Finance Lenders’ Handbook?’ My firm is on numerous lender panels including the
Clydesdale Bank conveyancing panel. We have Terms and Conditions of appointment which we have to follow. Should I reference these Terms ?
The key here is the caveat ‘more onerous’.
You have to try and take an objective view as to whether the Terms relating to the
Clydesdale Bank conveyancing appointment (or other terms for other lenders) are ‘more onerous’ than the UK Finance Lenders’ Handbook Conditions. Depending on the Terms you may need to provide details on your renewal form. If you are in any doubt please call your broker to discuss before completing the answer.
Every so often I read a LENDERmonitor alert but I seldom see significant changes. For instance, I am on the
Clydesdale Bank conveyancing panel and get an alerts simply telling me a change of address. Isn't that just noise?
Yes it does matter because sending a communication or deeds to the wrong address can cause delays that might not only affect your borrower client but also affect your ability to remain on the
Clydesdale Bank solicitor panel. Lets say that Clydesdale Bank change their requirements as to where their panel firm send the deeds.
Do you change the details in your CMS? Is this recorded anywhere? Is this information passed on to secretaries and assistants? In your Certificate of Title to Clydesdale Bank you are giving assurances that you will forward the relevant documents within 10 days of receiving the Title Information Document. Leaving to one side whether you are in breach of an undertaking in sending it to the wrong address, you run the risk of
Clydesdale Bank suspending you off the panel because they are not receiving the deeds in accordance with the COT. It will not be a valid excuse to say that you sent it to their old address.
Were are a Hendon-based firm on the Clydesdale Bank conveyancing panel. Do you have ideas as to how we can market our firm as conducting conveyancing in Hendon on the Clydesdale Bank panel?
10 potential conveyancing clients attempt to locate a conveyancing practitioner on the Clydesdale Bank panel every 4 weeks in Hendon. Feel free to contact the Lexsure team who will tell how your firm can be listed by those searching for conveyancing in Hendon.
my firm’s membership of the
Clydesdale Bank conveyancing panel was revoked but was reinstated on appeal, do I need to disclose this information on my application for CQS accreditation?
You should provide details of the date of removal, information on the reason for
removal, date of appeal and any reason given for reinstatement. This
should not adversely impact your application but gives the Law Society a complete picture of what has happened.
My firm is listed on the
Clydesdale Bank
conveyancing panel and scheduled to complete a remortgage shortly. My file does not contain a Mortgage Deed for the client to sign.
Who do I contact at Clydesdale Bank to obtain duplicate documents?
You should communicate with Clydesdale Bank
to obtain standard documents. The The Council of Mortgage Lenders Handbook includes a specific section for banks to cite who to contact to obtain standard documents.
Clydesdale Bank in their Part 2’s state:
It helps to disclose the firm’s Clydesdale Bank solicitors panel reference.
Find a Lawyer on the Clydesdale Bank Conveyancing Panel
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Average number of days to register title including a charge in favour of Clydesdale Bank
This information relates to purchase only and not remortgages.
| Year | Days* |
|---|---|
| 2025 | [no data] |
| 2024 | [no data] |
| 2023 | [no data] |
| 2022 | 48.3 |
| 2021 | [no data] |
| 2020 | [no data] |
* Data aggregated from sources including COMPLETIONmonitor
Other related topics:
- CQS policy templates and procedures for accredited Clydesdale Bank Firms
- Draft Report on Title precedent for Clydesdale Bank borrowers
- Draft Anti Money Laundering PolicyTemplate for Clydesdale Bank panel firms to consider
- Dealing with Lender Policy Template panel for CQS accredited firms on the Clydesdale Bank lender panel
- Buy-to-Let help for Clydesdale Bank
- Consent-to-Let help for Clydesdale Bank
- Contractor Mortgages with Clydesdale Bank
