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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

Common questions asked concerning the ASTRA mortgages Conveyancing Panel

The solicitor my husband and I had intended to instruct on a remortgage said she would charge more if my lender is due to their unusual legal requirements. Am I likely to be frustrated using ASTRA mortgages? Is ASTRA mortgages conveyancing so much more difficult?
ASTRA mortgages conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the ASTRA mortgages conveyancing panel. If they are not, this does add further risk of delay as ASTRA mortgages will appoint their own solicitors to look after their interest.
Our lawyer has identified a defect with the lease for the flat we are purchasing. The other side have put forward title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer has advised that as he is on the ASTRA mortgages conveyancing panel he must check that the lender is happy with this solution. Are we the client or is ASTRA mortgages?
Just because you have a mortgage offer from ASTRA mortgages does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and ASTRA mortgages are the client. These conveyancing instructions must be adhered to by the ASTRA mortgages conveyancing panel who has to balance acting for you and ASTRA mortgages
What tools are available to search for a local solicitor on the ASTRA mortgages conveyancing panel? I have a car and am prepared to travel up to 20 kilometers to meet the lawyer.
You can use the find a conveyancing panel search on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the ASTRA mortgages solicitor panel.
Please explain the implications if my solicitor is expelled from the ASTRA 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 at a cost.
Completion of my purchase has taken place with a mortgage from ASTRA mortgages. Conveyancing was of an acceptable standard but I would like to complain about ASTRA mortgages. How do I make a complaint?
All banks and building societies have complaints procedures. Your first point of contact should be one of the ASTRA mortgages branches or the Customer Care Team at ASTRA mortgages head office. We understand that complaints to ASTRA mortgages are resolved effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
I have instructed a lawyer having checked that they are on the ASTRA mortgages conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of mortgage guides,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.
My ex -wife’s name is on the ASTRA mortgages 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 ASTRA mortgages mortgage in order to sell?
In terms of the ASTRA mortgages 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 ASTRA mortgages 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.