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approved by Accord Mortgages
Ready to buy a new home? Failing to check that a lawyer is on the Accord Mortgages list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?How does my firm apply to be on the Accord Mortgages Ltd Conveyancing Panel? How can my firm be reinstated onto the Accord Mortgages Ltd Conveyancing Panel?
Find an Approved Solicitor on the Accord Mortgages Ltd Conveyancing Panel
Frequently asked questions relating to the Accord Mortgages Solicitor Panel
We are hoping to buy a 2 bedroom apartment in Hackney with a mortgage from Accord Mortgages. We would like to retain our solicitor but Accord Mortgages says she’s not on their "panel". It seems we have little choice but to instruct one of the Accord Mortgages 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 Accord 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 Accord 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 lawyer to apply to be on the conveyancing panel for Accord Mortgages
My lawyer has spotted a discrepancy when comparing the assumptions in Accord Mortgages’s home valuation survey and what is in the conveyancing documents. My solicitor informs me that as he is on the Accord Mortgages conveyancing panel he is duty bound to ensure that the lender is happy with this discrepancy and is content go ahead. Is my lawyer’s stance right?
A precondition to being on the Accord Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on Accord 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 both parties.
Do all the firms listed on your search have online case tracking as I was under the impression that this was a precondition of being on the Accord Mortgages solicitor panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
I am attempting to get my former partner taken off the mortgage deeds. Can Accord Mortgages really tell me which solicitor I can or can not retain?
You can use any solicitor you like but Accord 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 Accord Mortgages solicitors panel
How can we tell if a solicitor on the Accord Mortgages panel is any good?
Getting recommendations is a sensible start. 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 advocate that you speak with the solicitor carrying out your transaction
After shopping around on the internet I have found a solicitor having checked that they are on the Accord Mortgages conveyancing panel. Does my lawyer arrange the survey of the property? Or I've digested plenty of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Accord Mortgages conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Accord Mortgages will need an independent valuation of the property. Your lawyer will not arrange this. Usually Accord Mortgages will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Accord Mortgages you could contact your them to see if they have a list of approved surveyors.
Sometime soon me and my wife are buying a penthouse in Hendon. Conveyancing solicitors in Hendon will soon beinstructed. My fatherrecommended that we check that the solicitor in Hendon is on the Accord Mortgages approved list of lawyers. Is this right?
A limited percentage of Hendon conveyancing firms are on the Accord Mortgages conveyancing panel. 7 people a month use our search tool to locate a Hendon conveyancing lawyer on the on the Accord Mortgages panel.