When you take out a mortgage with the Bank of Scotland, you should choose a solicitor approved by them to represent you. At Lockings Solicitors, we are on the Bank of Scotland conveyancing panel, meaning that we are authorised to represent the bank as well as you. If you are buying a property and obtaining a Bank of Scotland mortgage, call us today and we will be happy to help. Our conveyancers deal with a full range of property transactions, including purchases and sales, and local leaseholds and new builds. We have many years of experience and hold several independent accreditations.

We can work with you in the way that suits you best, dealing with matters by email, phone or in person. We will stay in close contact with you throughout the transaction so that you know what stage has been reached.

We offer a FREE initial chat so that you can ask us any questions you may have about buying a house with a Bank of Scotland mortgage. Call us on 01482 300 200, email us at welcome@lockings.co.uk or fill in our Free Online Enquiry and we will call you back promptly. We have offices in Beverley, Hull and York and represent clients locally and across the country.

Why use Lockings Solicitors for your purchase?

• Our conveyancing team members have many years of experience in dealing with property law, including in handling complex and high-value transactions.
• Because we always work proactively, moving a purchase forward at every opportunity and keeping in touch with the other parties involved, we can complete more quickly
• We are accredited under the Law Society’s Conveyancing Quality Scheme, which recognises high standards of legal advice and service provision.
• We are approved members of the Bank of Scotland conveyancing panel, authorised to represent both the bank and the borrower in property purchases
• Our expertise means that we are able to handle complications promptly and efficiently, avoiding delays.
• We offer outstanding value for money, with competitive pricing and a leading service
• We hold a rating of Excellent and have 700+ reviews on Google from satisfied clients
• An easy process for working with us, including a secure online conveyancing portal that you can use to let us have all of the initial information that we will need
• When we deal with your purchase, we make the following pledge:
• Our communication with you will be clear, we will make sure that you understand the steps involved, and we will make ourselves available to answer your questions as they arise. We will also keep you updated throughout
• We will give you a clear estimate of the total costs at the outset, including our fees and additional items such as search fees and the Land Registry’s charge for registering your purchase
• We offer a free initial chat so that you can ask us any preliminary questions and discuss the first steps in instructing us and how to get your transaction under way
• We keep a close eye on our sustainability and diversity and take steps to improve these wherever possible

Buying a house or flat with a Bank of Scotland mortgage

If you are buying a house or flat and you will be taking out a Bank of Scotland mortgage, we can represent you in the conveyancing transaction and liaise with the bank to put your mortgage in place.

Contact us as soon as you decide to go ahead, and we will let you have the initial forms. Tell the bank that we will be representing you, and they will send us your mortgage offer once it is approved.

When you have an offer accepted on a property, let us know and pass our details to the estate agent. The agent will let the seller’s solicitor have these so that they can send us the contract package.

We will apply for any searches that are needed and go through the contract papers, checking the legal title and asking any necessary questions of the seller’s solicitor.

Once we have replies, search results and your mortgage offer, we will be ready to report to you on the property and prepare for exchange of contracts. You will need to let us have your deposit and we will discuss potential completion dates with you before the exchange takes place.

On exchange, your deposit is paid to the seller’s solicitor and the completion date becomes legally binding. We will order your mortgage advance and you can confirm your removals in readiness. On the day of completion, we will send the balance of purchase money to the seller’s solicitor and let you know as soon as they have received it. You can then liaise with the estate agent over collection of the keys.

Following completion, we will register your purchase and mortgage with the Land Registry.

Tying in a sale with your purchase

You may well need to tie in a sale with your purchase. You can contact us as soon as your property goes on the market if you want to get a head start, and we will let you have the forms you will need to fill in.

These will include property information and fixtures and fittings forms. By starting work on those now, you will have plenty of time to find any accompanying paperwork that might be needed, such as guarantees or planning consents.

We can also start work on opening a file and verifying your identity, as we are required to do. This means that as soon as you have a buyer in place, we will be ready to send out the contract package to their solicitors. The solicitors will be able to apply for searches and go through the information early on, which can reduce the time taken to reach readiness for exchange of contracts.

Contact our Bank of Scotland conveyancing panel solicitors

If you need solicitors on the Bank of Scotland conveyancing panel, contact our property team today and we will be happy to help. You can pass our details onto the bank and they will send us your mortgage offer when they issue it.

You can ring us for a FREE initial chat on 01482 300 200, email us at welcome@lockings.co.uk or fill in our Free Online Enquiry and we will call you back promptly. We have offices in Beverley, Hull and York and represent clients across the East Yorkshire area and beyond.