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Fleet Mortgages Conveyancing Panel : Questions and Answers
My husband and I are purchasing a 1 bedroom flat in Hackney with a mortgage from Fleet Mortgages. We would like to retain our lawyer but Fleet Mortgages says she’s not on their "panel". We have to appoint one of the Fleet Mortgages panel firms or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that Fleet Mortgages use our lawyer?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Fleet Mortgages conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Fleet Mortgages
My conveyancer has discovered a discrepancy between the surveyor’s assumptions in Fleet Mortgages’s home valuation report and what is revealed within the title deeds. My lawyer informs me that as he is on the Fleet Mortgages conveyancing panel he is obliged to check that the lender is with this discrepancy and is still content to lend. Is my solicitor’s stance legitimate?
A precondition to being on the Fleet Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on Fleet Mortgages) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I require the services of a Fleet Mortgages panel solicitor in Inverness. Can you assist?
It is not clear why you need a Fleet Mortgages panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Fleet Mortgages to find out which solicitors in Fleet Mortgages are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
I would like to get my ex-husband removed the mortgage deeds. Can Fleet Mortgages really insist on which solicitor I can or can not use?
You can use any solicitor you like but Fleet Mortgages then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Fleet Mortgages solicitors panel
Last month we had a mortgage agreed in principle with Fleet Mortgages. Solicitors have been chosen? How long does it take for Fleet Mortgages to send the offer to our conveyancer
Some lenders take longer than others. Have Fleet Mortgages completed the valuation? Have you advised Fleet Mortgages as your lawyers details and checked that your lawyer is on the Fleet Mortgages conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
I have a mortgage with Fleet Mortgages. Conveyancing has been completed 12 months ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Fleet Mortgages?
Your original mortgage agreement with Fleet Mortgages will provide that you need their approval prior to letting out your property as this is likely to be a breach of Fleet Mortgages’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Fleet Mortgages directly. You need not do this via a Fleet Mortgages conveyancing panel firm.
Fleet Mortgages have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Fleet Mortgages or your broker and complete any relevant paperwork. Fleet Mortgages will tell you what documents they want. Fleet Mortgages will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Fleet Mortgages will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
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