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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.

Find an Approved Solicitor on the Accord Mortgages Ltd Conveyancing Panel

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I would like to know the reason why all solicitors are not on the Accord Mortgages Conveyancing panel?
Even though it may seem unfair for Accord Mortgages to restrict who can act for them from the public’s or solicitor’s point of view, the other side of the coin is that the lenders are becoming ever more anxious and feel the necessary need to protect them from mortgage fraud and other illegal activities. As a result of this concern Accord Mortgages have restricted their conveyancing panel to a size that they are happy to control. The Accord Mortgages lawyer panel is not the most exclusive of all lenders
Can you clarify something for me?. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Accord Mortgages was date stamped random date and we have agreed a date for me to move into the property on 6 months + 3. My lawyer informs me that as she is on the Accord Mortgages conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
One of the many conditions 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 states that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Accord Mortgages.
I require the services of a Accord Mortgages panel solicitor in Stirling. Can you assist?
Unfortunately it’s not apparent why you need a Accord Mortgages panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Accord Mortgages to find out which solicitors in Accord 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
Can you clarify what the consequences are if my solicitor is removed from the Accord Mortgages Solicitor panel before completion?
First, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
Do most banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Accord Mortgages conveyancing panel requirements are different to Accord Mortgages’s conveyancing panel requirements.
I have paid off my mortgage with Accord Mortgages. I assume I don't need a solicitor on the Accord Mortgages panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Accord Mortgages mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Accord Mortgages mortgage from the register. Accord Mortgages,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Accord Mortgages has sent the Land Registry the discharge electronically, and the Accord Mortgages has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Accord Mortgages mortgage has been paid off.
I am selling my flat. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Accord Mortgages are being problematic. The solicitor who is on the Accord Mortgages conveyancing panel is recommending indemnity insurance as a solution but Accord Mortgages are insisting on a building regulation certificate. Why do Accord Mortgages have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Accord Mortgages have referred the matter to their valuer. The reason why Accord Mortgages may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.