Bank of Ireland Mortgages Conveyancing Panel Information

The information on this page is designed to keep solicitors and licensed conveyancers abreast of latest requirements changes by Bank of Ireland Mortgages and to assist in remaining on the Bank of Ireland Mortgages Solicitor Panel.

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Bank of Ireland Mortgages Solicitor Panel: Recently Asked Questions

my firm is on the Bank of Ireland Mortgages conveyancing panel. Can I get an archived copy of a Bank of Ireland Mortgages Part 2 from the CML?

The CML do not retain historic copies of P2 conditions Pre January 2011. The CML advise that you contact Bank of Ireland Mortgages directly.

I understand that Bank of Ireland Mortgages could request or audit my files as I am on the Bank of Ireland Mortgages conveyancing panel. How should I respond in the event of such a demand?

We can't comment specifically on Bank of Ireland Mortgages. Many major lenders are now introducing ‘file auditing’ as standard practice in relation to completed matters. This raises questions of confidentiality in relation to the borrower and the purpose to which the results of such audits will be put. The starting point is to remember that the file does not belong to your firm, it belongs to the ‘client’. But, of course, we will normally have two clients – the buyer and the lender - and you will owe a duty of confidentiality to each. So basically, you have to separate the file and just send the lender the parts solely relating to themselves. But, of course, as this will basically be correspondence with the lender, mortgage instructions etc.

Check with your COLP but a firm should not send the complete conveyancing file without the buyer client’s express consent – and if she is in dispute with the lender she is hardly likely to agree. However, if the lender can establish a prima facie case of fraud, then you may be under an obligation to disclose the whole file.

The emerging convention is that lenders are including an authority to disclose in loan application forms to counter this problem. Mortgage Express v Sawali, [2010] EWHC 3054 (Ch) indicates that such provisions are valid. Please click here for more information about that case.

Do lenders such as Bank of Ireland Mortgages operate a separate conveyancing panel for buy to let mortgages?

The majority of lenders do not operate a specific buy to let conveyancing panel but we are hearing about a few that do. We do not know what the position is with Bank of Ireland Mortgages as at todays date. If you're about to receive instructions from a client on a buy to let purchase with a mortgage from Bank of Ireland Mortgages we suggest that you call Bank of Ireland Mortgages to check the position.

Who do building societies accept on their Conveyancing Panels?

In the same way that there is a unique Bank of Ireland Mortgages conveyancing panel most building societies, operate a conveyancing panel for solicitors and other conveyancers that the lender will instruct. Terms and Conditions and criteria for inclusion on a building society conveyancing panel vary from lender-to-lender. Having CQS accreditation may be a requirement. Institutional lenders, such as a building society, is a client and is entitled to instruct the solicitor or conveyancer of its choosing (who, in turn, is free to accept or refuse instructions). Therefore, if lender and borrower cannot agree which solicitor or conveyancer should represent them jointly, they would usually proceed on a separate representation basis. The BSA have not published the equivalent of the UK Finance Lenders’ Handbook Part 3s.

Every so often I read a LENDERmonitor alert but I don't see that many important changes. For example, My firm on the Bank of Ireland Mortgages conveyancing panel and get an alerts only advising of a change of address. Why is that of any relevance?

It is important that you take note of such changes 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 Bank of Ireland Mortgages conveyancing panel. Lets say that Bank of Ireland Mortgages change their requirements as to where the post completion documents should be sent. Do you change the details in your case management system? Do you make a note? Is this communicated to the staff? By virtue of your COT Bank of Ireland Mortgages you are giving assurances that you will forward the deeds within 10 days of receiving the TID. Putting to one side the academic question as to whether you are technically breaching an undertaking in sending it to the wrong address, you run the risk of Bank of Ireland Mortgages 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.

JLT’s PII renewal form enquires if my practice had been removed off any mortgage panels in the last year. I just became aware that the firm is no longer on the Bank of Ireland Mortgages conveyancing panel? Is this likely to effect my PII cover?

Your insurance brokers are your best port of call to address this question. The chances are that on the basis that you have not been removed for fraud or negligence reasons that there will be little or no impact. The main reason why a firm would be removed off of a lender panel is due to low volume of conveyancing cases although there may be a number of criteria for Bank of Ireland Mortgages solicitor panel membership. Please remember that it is always important that you complete your insurance forms accurately.

I am on the Bank of Ireland Mortgages conveyancing panel and all set to complete a purchase within the next week. I dont have a Legal Charge for the client to execute. Who do I contact at Bank of Ireland Mortgages to request substitute deeds?

You need to communicate with Bank of Ireland Mortgages to obtain standard documents. The The Council of Mortgage Lenders Handbook contains an express inquiry for banks to enumerate who to contact to obtain standard documents. Bank of Ireland Mortgages in their Part 2’s state:

You will need to disclose the firm’s Bank of Ireland Mortgages solicitors panel reference.

Find a Lawyer on the Bank of Ireland Mortgages Solicitor Panel

Average number of days to register title including a charge in favour of Bank of Ireland Mortgages

This information relates to purchase only and not remortgages.

Year	Days*
2026	[no data]
2025	[no data]
2024	[no data]
2023	[no data]
2022	[no data]
2021	[no data]

* Data aggregated from sources including COMPLETIONmonitor

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