West Bromwich Mortgage Company Conveyancing Panel Information

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

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How does my firm apply to be on the West Bromwich Mortgage Company Approved Conveyancing Solicitors Solicitors?

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How can my firm be reinstated onto the West Bromwich Mortgage Company Approved Conveyancing Solicitors Solicitors?

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West Bromwich Mortgage Company Solicitor Panel Assistance:

What are the West Bromwich Mortgage Company conveyancing panel criteria?

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, all 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 Mortgage Company solicitor panel appointment.

Are West Bromwich Mortgage Company Conveyancing panel solicitors at risk of the society altering or retracting the loan offer?

West Bromwich Mortgage Company ‘s answer to this question can be found at section B.3 of their BSA specific requirements which states:

Individual cases should be referred to The Processing Team for consideration where a conveyancer identifies an issue– See A.3 above for contact details

Am I obliged, being on the West Bromwich Mortgage Company conveyancing panel, to carry out a Chancel Search?

West Bromwich Mortgage Company 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 Mortgage Company are concerned if they are ‘appropriate’. Most lenders will not require environmental searches (you should Check the West Bromwich Mortgage Company 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.

Being on the West Bromwich Mortgage Company conveyancing panel how long am I expected to retain the original conveyancing file?

The BSA Mortgage Instructions state that the firm must keep the file for at least 6 years from the date of the mortgage. Data imaging is normally suitable compliance with this requirement. As a firm on the West Bromwich Mortgage Company conveyancing panel you must allow West Bromwich Mortgage Company to conduct such reasonable audit of your information security measures as West Bromwich Mortgage Company or their agents may to ensure your compliance with your file retention obligations.

Are the Council of Licensed Conveyancers taking any action to protect licensed conveyancers from being removed from lender panels?

As is the case with the Law Society the CLC has entered discussions with lenders and their representative bodies to see whether and how the risks that lenders wish to mitigate could be addressed through the regulatory framework rather than ad hoc arrangements that can differ from lender to lender. It is likely that that the CLC have been in touch with lenders such as West Bromwich Mortgage Company in recent years

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 BSA Mortgage Instructions?’ My firm is on numerous approved panels including the West Bromwich Mortgage Company 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 West Bromwich Mortgage Company conveyancing appointment (or other terms for other lenders) are ‘more onerous’ than the BSA Mortgage Instructions. 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.

I have been a solicitor for over 25 years never having had a negligence claim and have been refused acceptance on the West Bromwich Mortgage Company 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 Mortgage Company conveyancing panel to see if you are entitled to a reason.

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:

Find a Lawyer on the West Bromwich Mortgage Company Approved Conveyancing Solicitors Solicitors

Average number of days to register title including a charge in favour of West Bromwich Mortgage Company

This information relates to purchase only and not remortgages.

Year	Days*
2025	[no data]
2024	[no data]
2023	[no data]
2022	[no data]
2021	[no data]
2020	[no data]

* Data aggregated from sources including COMPLETIONmonitor

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