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Examples of recent questions relating to the Fleet Mortgages Solicitor Panel
My husband and I are buying a 3 bedroom apartment in Leeds with a mortgage from Fleet Mortgages. We have a solicitor but Fleet Mortgages says he's not on their "panel". It seems we have little choice but to instruct one of the Fleet 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 Fleet Mortgages use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Fleet 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 Fleet Mortgages
My fiance and I are refinancing our flat with Fleet Mortgages. We have a son 18 who lives with us. The solicitor on the Fleet Mortgages conveyancing panel has asked us to disclose any adults other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the flat is repossessed. I have a couple of questions (1) Is this form unique to the Fleet Mortgages conveyancing panel as he did not need to sign this form when we bought 3 years ago (2) In signing this form is our son in any way compromising his right 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 Fleet Mortgages .This is solely used to protect the Fleet Mortgages 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 Fleet Mortgages 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.
Do all the firms listed on your directory have online case tracking as I was under the impression that this was a precondition of being on the Fleet Mortgages conveyancing panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
My grandfather passed away six months ago and as sole heir and executor was left the property. The house had a relatively small loan left on it of around £5k. I want to transfer the title deeds into my name whilst I re-mortgage to Fleet Mortgages , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Fleet Mortgages will insist on your using a conveyancer on the Fleet Mortgages 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 Fleet Mortgages 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 Fleet Mortgages mortgage is registered as a charge at the Land Registry.
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Fleet Mortgages be concerned
As you are obtaining a mortgage with Fleet Mortgages your lawyer must to check the Fleet Mortgages conveyancing instructions contained in the Part of CML Handbook for Fleet Mortgages . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Fleet Mortgages where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
I currently have a mortgage with with Fleet Mortgages. Conveyancing has been completed some time ago. In the event that I decide to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Fleet Mortgages?
You must advise Fleet Mortgages in advance of letting out your property as this is likely to be a breach of Fleet Mortgages’s mortgage conditions. It may be that Fleet Mortgages will allow you to rent 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 Fleet Mortgages directly. You need not do this via a Fleet Mortgages conveyancing panel solicitor.
I am due to exchange contracts on my apartment. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Fleet Mortgages are being difficult. The solicitor who is on the Fleet Mortgages conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Fleet Mortgages are insisting on a building regulation certificate. Why do Fleet Mortgages have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Fleet Mortgages have referred the matter to their valuer. The reason why Fleet 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.
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Transfer of Equity for Fleet MortgagesPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors