Legal Service for first time buyers

When you take a first time buyer mortgage product, that offers our Legal Service we will pay part of the legal costs as agreed with our legal adviser in completing the purchase and mortgage. These costs are limited to their fee for carrying out the legal work in a straightforward case where the title to the property you are buying is registered freehold (heritable in Scotland).

To qualify for this mortgage product you must instruct our nominated legal advisor. If you have already instructed a legal adviser, or simply prefer to choose your own, then we may have alternative mortgage products available, which may suit your circumstances better.

Please note: our payment does not include the costs and expenses associated with completing the purchase and mortgage. This includes legal work such as

• Registration fees
• Search fees
• Stamp Duty Land Tax (formally Stamp Duty)
• Other costs such as additional insurance to cover defects in title, or additional legal work (especially relating to leasehold properties) found to be necessary, or
• Costs of first registration (if necessary), including any additional legal work necessary
• Costs of any legal adviser instructed by you

These costs will be your responsibility.

This service only applies for applications made directly to the Society, and is not is not available for applications made via an intermediary or other third party. If you use this service and your purchase and mortgage does not complete then any reasonable costs and fees which our legal adviser has incurred will be payable by you.

Call us on 0845 1 200 100*

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