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approved by Mortgage Express
Ready to buy a new home? Failing to check that a lawyer is on the Mortgage Express 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 Express Conveyancing Panel? How can my firm be reinstated onto the Mortgage Express Conveyancing Panel?Find an Approved Solicitor on the Mortgage Express Conveyancing Panel
FAQs for the Mortgage Express (No 2) Conveyancing Panel
On what basis could a firm of solicitors be excluded from the Mortgage Express (No 2) approved conveyancing panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of solicitor practices had been removed from a lender panel. The top reasons in order are :
- lack of transactions
- the lawyer is a sole practitioner
- as part of the HSBC panel reduction
- regulatory contact by SRA
- accidental removal. We are not aware of the specific or common criteria for removal by Mortgage Express (No 2)
My wife and I changing mortgage lender for our penthouse with Mortgage Express (No 2). We have a son 18 who lives with us. The solicitor on the Mortgage Express (No 2) conveyancing panel requested us to identify any adults other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is repossessed. I have two questions (1) Is this document specific to the Mortgage Express (No 2) conveyancing panel as he never had to sign this form when we remortgaged 5 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Mortgage Express (No 2) .This is solely used to protect the Mortgage Express (No 2) if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.
It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Mortgage Express (No 2) had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am looking to buy a house and need a conveyancing solicitor in who is on the Mortgage Express (No 2) approved. Can you recommend a local conveyancing firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Mortgage Express (No 2) . We don’t recommend any particular firm.
My uncle passed away six months ago and as sole heir and executor was left the house. The house had a relatively small loan remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Mortgage Express (No 2) , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Mortgage Express (No 2) will insist on your using a conveyancer on the Mortgage Express (No 2) 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 Express (No 2) 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 Express (No 2) mortgage is registered as a charge at the Land Registry.
Hi, thinking about buying a house off my mate. Once we agree a price, what’s the best way to move forward? I hope to get a mortgage with Mortgage Express (No 2). Is it possible to avoid using solicitors to save us both money? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with Mortgage Express (No 2) involved you will need to appoint a solicitor on the Mortgage Express (No 2) conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Mortgage Express (No 2). Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Mortgage Express (No 2) conveyancing panel.
My fiance and I are at the point of looking at houses and am about to put in an offer. Should I already have a conveyancer appointed at this stage? I I am planning to take a home loan with Mortgage Express (No 2)
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with Mortgage Express (No 2) , make sure you remember to check that your lawyer is on the Mortgage Express (No 2) conveyancing panel.
It is not clear whether my mortgage offer requires a lease extension . I have telephoned Mortgage Express (No 2) on numerous occasions and told it wasn't a problem and they would lend. My solicitor - who is on the Mortgage Express (No 2) conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
Your lawyer has to follow the CML Handbook Part 2 requirements for Mortgage Express (No 2). Unless your lawyer obtains specific confirmation in writing that Mortgage Express (No 2) will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Mortgage Express (No 2) to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.