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Information for solicitors

We've put together some key questions to help solicitors understand where the deeds are held and the process to register charges.

What information do you require upon completion?

This will depend on the jurisdiction of the property.

  • English / Welsh properties
    Please send us the title information document provided to you by the land registry. This should show our registered charge positioned first above any other charges against the property. Please refer to the CML handbook for further guidance.
  • Scottish properties
    Please refer to the CML handbook for further guidance on Scottish cases. Here you will find a choice of acceptable documents to send to us as evidence. This should show our registered charge positioned first above any other charges against the property. Please note that our preferred method of registration is via Automated Registration of Title to Land (ARTL).
  • Irish properties
    Please forward the title documents to us as soon as possible and refer to the CML handbook for further guidance.

When did you start dematerialising?

This depends on the jurisdiction of the property.

  • English / Welsh properties
    For loans granted after 1 May 2000, land registry no longer issue a charge certificate. Details normally found within the charge certificate are held on their computer records. Information about the property, the owners and those that have an interest in the property are held at HM Land Registry.
  • Scottish properties
    Birmingham Midshires no longer require title documents for loans granted after 1 August 2008, with the exception of SASINE cases. Please refer to the CML handbook for further guidance on Scottish cases.
  • Irish properties
    Title documents are required for all Northern Irish properties.

How do I add my firm of solicitors to your approved panel?

Birmingham Midshires is a division of Lloyds Banking Group. To apply to be added to our panel of approved solicitors, please contact

Panel Management Team,
1 Lovell Park Road,
Leeds,
LS1 1NS

with your request.

For telephone line opening times, please read the information in our contact section. Calls may be monitored and recorded for security and training purposes.

Our tracker rate mortgages are linked to Bank of England Bank Rate (also know as Bank of England repo rate). Details of this rate can be found on the Bank of England website or in the Financial Times or other leading newspapers.

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