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approved by Mortgage Agency Services
Ready to buy a new home? Failing to check that a lawyer is on the Mortgage Agency Services list of approved solicitors can put your transaction at risk of delay or failure.
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How does my firm apply to be on the Mortgage Agency Services Conveyancing Panel? How can my firm be reinstated onto the Mortgage Agency Services Conveyancing Panel?Find an Approved Solicitor on the Mortgage Agency Services Conveyancing Panel
Examples of recent questions relating to the Mortgage Agency Services Solicitor Panel
We are hoping to buy a 3 bedroom flat in Newcastle with a mortgage from Mortgage Agency Services. We would like to retain our solicitor but Mortgage Agency Services says he's not on their "panel". We have to appoint one of the Mortgage Agency Services panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Mortgage Agency Services 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 Mortgage Agency Services 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. A further alternative is for your lawyer to apply to be on the conveyancing panel for Mortgage Agency Services
My nephew is buying a house that has just been built with a home loan from Mortgage Agency Services. His solicitor has advised him of a delay in completing the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The form is intended to provide information to the main parties engaged in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Mortgage Agency Services conveyancing panel as a standard part of the process, and to the surveyor when asked.
The Developer will be required to start the process by downloading the form and completing it.
The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Mortgage Agency Services conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
How up to date is your search tool for the Mortgage Agency Services conveyancing panel? Do Mortgage Agency Services send you an updated list?
The firms themselves provide us confirmation that they are on the Mortgage Agency Services conveyancing panel as opposed to being supplied with a list from Mortgage Agency Services directly.
My grandfather passed away last year and as sole heir and executor was left the property. The house had a small mortgage left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Mortgage Agency Services , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Mortgage Agency Services will insist on your using a conveyancer on the Mortgage Agency Services conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Mortgage Agency Services conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Mortgage Agency Services mortgage is registered as a charge at the Land Registry.
I had instructed online conveyancers located in Manchester who are on the Mortgage Agency Services solicitor panel. They have just invoiced me a separate fee of £195 for the legal aspects of the Mortgage Agency Services mortgage. Is this an additional conveyancing fee specified by Mortgage Agency Services?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Mortgage Agency Services but by your lawyers. Some firms on the Mortgage Agency Services will charge an ‘acting for lender’ fee and others do not.
How can we tell if a solicitor on the Mortgage Agency Services panel is any good?
obtaining recommendations is a sensible starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always suggest that you speak with the solicitor handling your transaction
My ex -wife’s name is on the Mortgage Agency Services mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Mortgage Agency Services mortgage in order to sell?
In terms of the Mortgage Agency Services mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Mortgage Agency Services in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.