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Ready to buy a new home? Failing to check that a lawyer is on the Fleet list of approved solicitors can put your transaction at risk of delay or failure.
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How does my firm apply to be on the Fleet Mortgages Conveyancing Panel? How can my firm be reinstated onto the Fleet Mortgages Conveyancing Panel?Find an Approved Solicitor on the Fleet Mortgages Conveyancing Panel
Common questions asked concerning the Fleet Mortgages Conveyancing Panel
My Conveyancer is not listed on the Fleet Mortgages Approved Panel. Can I still use my family solicitor even though they are not on the Fleet Mortgages approved list?
You will need to have a conveyancer complete the legal work required when you take out a Fleet Mortgages mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Fleet Mortgages conveyancing panel additional costs will be incurred as separate legal representation will be required by Fleet Mortgages. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Expecting to complete my purchase next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in has capacity as lawyer for Fleet Mortgages. What does the insurance need to cover?
Any lawyer on the Fleet Mortgages conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Fleet Mortgages’s Part 2 requirements of the CML Handbook (last updated on Fleet Mortgages). Being on the Fleet Mortgages conveyancing panel your lawyer is expect to follow these instructions.
Do lenders provide you with an approved list of solicitors? How do you know who is on the Fleet Mortgages conveyancing panel?
The firms themselves provide us confirmation that they are on the Fleet Mortgages conveyancing panel as opposed to being supplied with a list from Fleet Mortgages directly.
My aunt passed away six months ago and as sole heir and executor was left the house. The house had a small mortgage remaining of approximately £8000. I want to have the title changed 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.
I previously instructed online conveyancers located in Bristol who are on the Fleet Mortgages solicitor panel. They have just invoiced me a separate fee of £135 for the legal aspects of the Fleet Mortgages mortgage. Is this a supplemental conveyancing fee set by Fleet Mortgages?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Fleet Mortgages but by your lawyers. Some firms on the Fleet Mortgages will charge an ‘acting for lender’ fee and others do not.
I am buying a property where the roof has a solar panel. Fleet Mortgages have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that 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 have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Fleet Mortgages. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Fleet Mortgages you will need to appoint a solicitor on the Fleet Mortgages conveyancing panel.
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