West Bromwich Building Society Conveyancing Panel Information

The information on this page is designed to keep solicitors and licensed conveyancers abreast of latest requirements changes by West Bromwich Building Society and to assist in remaining on the West Bromwich Building Society Approved Conveyancing Solicitors.

West Bromwich Building Society Conveyancing Panel Information:

What are the West Bromwich Building Society conveyancing panel arrangements?
Unlike the CML the Building Society Mortgage Instructions deal with this. Section A.12 states ‘In order to act on our behalf your firm or company must be a member of our conveyancing panel provided we are a society that operates one – see specific requirements for details of our arrangements. The Special Requirements state:

Generally, Firms must have at least two Partners however all Firms wishing to be admitted to the conveyancing panel should contact Mortgage Deeds Administration Department in the first instance - See E.33 below for contact details.

You must also comply with the terms and conditions of your West Bromwich Building Society solicitor panel appointment.

Do the Building Society Association intend to launch a search tool with a view to to identify practices on the West Bromwich Building Society conveyancing panel ?
We would not expect to be advised of any plans on the part of the BSA to promote such a search facility .
Does the fact that my practice subscribes to LENDERmonitor Alerts assist in my application to join the West Bromwich Building Society conveyancing panel?
The criteria to join the West Bromwich Building Society conveyancing panel is likely to be fairly detailed and is unlikely to include signing up to LENDERmonitor alerts.
Am I obliged, being on the West Bromwich Building Society conveyancing panel, to carry out a flood search?
West Bromwich Building Society make no specific obligation to carry out any of the searches listed. The BSA Mortgage Instructions 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’.

Remember that most ‘less usual searches’ (as described in the Law Society’s Conveyancing Handbook) are not optional as far as West Bromwich Building Society are concerned if they are ‘appropriate’. Most lenders will not require environmental searches (you should Check the West Bromwich Building Society Specific Requirements of BSA 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.

The firm that I work for is on the West Bromwich Building Society conveyancing panel. I am dealing with West Bromwich Building Society mortgage on a purchase. My borrower client is asking not to disclose an issue to West Bromwich Building Society. What do I do in this conflict situation?
When a solicitor is acting for both West Bromwich Building Society and borrower there is potential for conflicts to arise. You owe duties to both clients. All information received by you from your client is confidential and cannot be disclosed without the client’s consent.

In your situation, if the purchaser will not consent to the information being passed on to the lender, the solicitor must cease to act for West Bromwich Building Society and it may well be prudent for you to cease to act for the purchaser as well. You must not inform West Bromwich Building Society of the reason for termination of the retainer over and above the fact that a conflict has arisen. The fact that you can no longer act should alert even the most somnambulistic of lenders that something is wrong with the borrower and/or purchase. The fact that you have disinstructed yourself should not affect your West Bromwich Building Society conveyancing panel status.

I have been a qualified solicitor for approximately 35 years enjoy an unblemished record and have been refused acceptance on the West Bromwich Building Society conveyancing panel with no explanation. Am I not entitled to know why?
Participation on the lender's panel of conveyancers is at the absolute discretion of the the lender. The days of open panels are now long gone. Many lenders reserve the right to accept or reject any application without giving any reason. You should check your original application to join the West Bromwich Building Society conveyancing panel to see if you are entitled to a reason.
The CML Handbook contains conveyancing instructions for a roof with a solar panel. West Bromwich Building Society do not set out obligations via the BSA Mortgage Instructions. Am I missing something?
The BSA Mortgage Instructions don't specifically deal with Solar Panels but it would be prudent as approved solicitors for West Bromwich Building Society to raise the issue with them (as you would if the UK Finance Lenders’ Handbook applied). In any event you need to raise the appropriate questions for your buyer client.
What lender panels do you receive the most questions about?
BSA lenders do not come within the top 20 lenders in terms of frequency of questions. The most popular lender panels in terms of questions are as follows:

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Average number of days to register title including a charge in favour of West Bromwich Building Society
This information relates to purchase only and not remortgages.
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* Data aggregated from sources including COMPLETIONmonitor