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approved by Astra Mtgs

Ready to buy a new home? Failing to check that a lawyer is on the Astra Mtgs list of approved solicitors can put your transaction at risk of delay or failure.

Find an Approved Solicitor on the ASTRA mortgages Conveyancing Panel

ASTRA mortgages Conveyancing Panel Recently Asked Questions

My IFA has has requested my lawyer’ panel reference for the ASTRA mortgages conveyancing panel. What is the best way to find this out. I have contacted my local ASTRA mortgages office but they cant find it on their system.
You are best placed to get this information from your conveyancing lawyer. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for ASTRA mortgages.
Please help. My conveyancer is assuring me that he is legally obliged to conduct a Local Authority search stemming from the fact that the firm are on the ASTRA mortgages approved lawyer panel. The searches cost a lot of money. Can this be avoided?
You have limited options available to you. Given that you are taking out a loan with ASTRA mortgages your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of ASTRA mortgages’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated ASTRA mortgages. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Are the lawyers identified as being on the ASTRA mortgages conveyancing panel, together with their details provided by ASTRA mortgages?
The firms themselves provide us confirmation that they are on the ASTRA mortgages conveyancing panel as opposed to being supplied with a list from ASTRA mortgages directly.
My lawyers in Liverpool have advised me that no longer have my conveyancing file. At the time of my purchase I took out a mortgage with ASTRA mortgages. Is it case that being on the ASTRA mortgages conveyancing panel they need to have retained the file for a number of years?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the ASTRA mortgages Conveyancing Panel Terms. It might be worth you contacting ASTRA mortgages directly.
I am buying a property where the roof has a solar panel. Solicitors conducting should look into this right? Will my lender ASTRA mortgages be concerned
As your lender is ASTRA mortgages your lawyer must to check the ASTRA mortgages conveyancing instructions contained in the Part of CML Handbook for ASTRA mortgages . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to ASTRA mortgages where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
I currently have a mortgage with with ASTRA mortgages. Conveyancing has been completed a year ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform ASTRA mortgages?
ASTRA mortgages must be informed of your intention before renting your property as this is likely to be a breach of ASTRA mortgages’s mortgage conditions. It may be that ASTRA mortgages 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 ASTRA mortgages directly. It should not be necessary to do this via a ASTRA mortgages conveyancing panel firm.
After shopping around on the internet I have found a solicitor having checked that they are on the ASTRA mortgages conveyancing panel. Does my lawyer arrange the survey of the property? Or I've read lots of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the ASTRA mortgages conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
ASTRA mortgages will need an independent valuation of the property. Your lawyer will not arrange this. Usually ASTRA 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 ASTRA mortgages you could contact your them to see if they have a list of approved surveyors.