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FAQs : The Fleet Mortgages Conveyancing Panel
How easy is it to change a solicitor as I need to find one who is on the Fleet Mortgages conveyancing panel. Is it advisable to appoint a new law firm?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
Much to my surprise my property lawyer has informed me that he requires ID documents stating that this forms part of his legal duty as a solicitor on the Fleet Mortgages Solicitor panel. Can this be correct?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that Fleet Mortgages also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with Fleet Mortgages CML Handbook requirements last updated on Fleet Mortgages
I note that you have a search directory identifying solicitors on the Fleet Mortgages conveyancing panel. Do firms pay you a commission if I retain them for my house purchase?
We are a listing service only for law firms wishing to communicate if they are on the Fleet Mortgages conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
We're in London, First time buyers buying with a mortgage (lender is Fleet Mortgages , but our lawyer is on the Fleet Mortgages conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Fleet Mortgages conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
What are the common reasons for a lender such as Fleet Mortgages to withdraw a mortgage offer?
Lenders such as Fleet Mortgages can revoke their mortgage offer although this rarely happens. If Fleet Mortgages withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are a number of examples:
- Fleet Mortgages may amend or withdraw an offer if the Fleet Mortgages conveyancing panel solicitor is unable to confirm compliance with any of the conditions of the mortgage offer or if any of the terms of the mortgage offer cannot be satisfied
- Many mortgage offers have an expiry date. Your lawyer should check this. Fleet Mortgages may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
- If the financial circumstances of the borrower have changed to the detriment and the Fleet Mortgages has been notified
- If the lender reasonably suspects that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;
- If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
We expect to receive a DIP from Fleet Mortgages this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the Fleet Mortgages recommend a solicitor on the Fleet Mortgages conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the Fleet Mortgages conveyancing panel. The solicitor represents both you and the Fleet Mortgages through the process.
I have a mortgage with Fleet Mortgages. Conveyancing has been completed some time ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Fleet Mortgages?
Fleet Mortgages must be informed of your intention prior to 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 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 Fleet Mortgages directly. It should not be necessary to do this via a Fleet Mortgages conveyancing panel solicitor.
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