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ITL Mortgages Conveyancing Panel Recently Asked Questions
The lawyer my fiance and I had intended to instruct on a remortgage said she will levy higher legal fees if my lender is due to their unusual legal requirements. Will I regret using ITL Mortgages? Is ITL Mortgages conveyancing so much more difficult?
ITL 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 ITL Mortgages conveyancing panel. If they are not, this does add further risk of delay as ITL Mortgages will appoint their own solicitors to look after their interest.
I do hope you can help me. My conveyancer is advising me that she is duty-bound to conduct a Local Authority search because the firm are on the ITL Mortgages solicitor panel. Is this really necessary?
You have limited options available to you. As you are taking a mortgage with ITL 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 ITL Mortgages’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated ITL Mortgages. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I note that you have a search directory identifying firms on the ITL Mortgages conveyancing panel. Do firms pay you a referral fee if I instruct them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the ITL Mortgages conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am attempting to get my former partner removed the mortgage deeds. Can ITL Mortgages really tell me which solicitor I can or can not use?
You can use any solicitor you like but ITL Mortgages then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the ITL Mortgages solicitors panel
Can I be sure that the solicitor on the ITL Mortgages panel is any good?
seeking recommendations is a good start. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the solicitor handling your transaction
I have a mortgage with ITL Mortgages. Conveyancing was finalised 12 months ago. Should I wish 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 ITL Mortgages?
You must advise ITL Mortgages in advance of letting out your property as this is likely to be a breach of ITL Mortgages’s mortgage conditions. In many cases banks or building societies 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 ITL Mortgages directly. You need not do this via a ITL Mortgages conveyancing panel lawyer.
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a ITL Mortgages conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to ITL Mortgages about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. You can get information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.
The Legal Ombudsman will make sure that your complaint is addressed by the solicitor. It can also advise you how to complain.
If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.
Transfer of Equity for ITL Mortgages
Please note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors