I beg to differ fr Seremban2. It depends on the service by the law firm. If it's big law firm handling numerous files as they are on the full panel, don't expect any personal service anytime you make a call to enquire on the status of your file. Most loan docs are standardised docs anyway so it doesn't give full panel firms any edge at all.

When you say ad hoc, I presume that you meant your S&P lawyer will do your loan doc as well (hence the ad hoc basis). In the end it would be better as it eliminates the need for another firm to be in the picture and things can (hopefully) move faster. It would be easier to be updated as with one call you can find out the status of the S&P as well as the loan.