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The Society releases its advance funds by means of CHAPS on the working day prior to the proposed completion day. This has the following benefits:
Please note that the CHAPS fee forms part of the Mortgage Application Processing Fee payable at application by the borrower and is not deducted from the mortgage advance.
To enable us to release funds to you it will be necessary for you to provide us with your client account bank details. Please inform us as soon as possible of any subsequent amendments to your banking arrangements.
You can request a redemption statement and/or title deeds using our secure online form:
Redemption Statements will normally be sent by the end of the next working day.
Be aware that mortgage payments will only be included in the redemption figure once the funds have fully cleared. This takes 5 working days from the date the payment is made to the mortgage account.
If you decide to redeem by cheque please ensure that you use the redemption figure stated under 'Redemption payment by cheque'. In addition please include sufficient daily interest to allow for postage where payment is made by cheque.
Title Deeds will be sent out by Recorded Delivery on the working day following receipt of the request. We do not hold title deeds for any properties in England and Wales where the mortgage completed after January 2004.
You must be a member of our panel of conveyancers in order to request a redemption statement or title deeds using our secure online form. Find out how you can join our panel.
If you experience any problems whilst completing the form, or you have any further questions regarding this process, call 0841 200200.
In order for YBS to appoint the same solicitor or conveyancer as the applicant as part of processing any mortgage applications, that solicitor/qualified conveyancer must first be registered to our approved solicitor panel.
To join our panel of conveyancers you will need to complete an application form. Should you simply wish to add an additional office please complete and return the additional office application form checklist. You can use our Solicitor Panel Checking Tool to see if you are currently have an active registration.
We will write to you to let you know whether your application has been successful.
Conveyancing Quality Scheme(CQS) - All solicitor applicants located in England and Wales who apply to join the panel will require CQS accreditation.
PII cover – Insurance held must meet our requirements in respect of a minimum financial security rating – AM Best B+ or Standard and Poor’s A – Minimum cover of £2,000,000 for sole practitioners and partnerships and then minimum of £3,000,000 for LLP and Limited Companies.
Period– Firms will be required to re-register to the panel if they have not acted for the Society in the grant of a mortgage for a period longer than 12 months.
Notification – You must undertake to notify the Society in the event of any change in the accuracy of the required information.
Discretion - Membership of the Society’s Conveyancing panel is at the absolute discretion of the Society.
Active Cases - If you have an active case please indicate and include your client’s name and case number (where known) on the appropriate section of the application form. This will help decrease the time taken to process your client’s application.
If you have any further queries regarding our panel admission process please call 01733 372015.
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