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approved by Kensington Mortgage

Ready to buy a new home? Failing to check that a lawyer is on the Kensington Mortgage list of approved solicitors can put your transaction at risk of delay or failure.

Find an Approved Solicitor on the Kensington Mortgage Company Ltd Conveyancing Panel

Frequently asked questions relating to the Kensington Mortgage Conveyancing Panel

My husband and I are hoping to buy a 2 bedroom flat in Leeds with a mortgage from Kensington Mortgage. We like our lawyer but Kensington Mortgage says she’s not on their "panel". We have to appoint one of the Kensington Mortgage panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Kensington Mortgage 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 solicitors to apply to be on the conveyancing panel for Kensington Mortgage
We are nearing an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Kensington Mortgage. Apparently, being on the Kensington Mortgage conveyancing panel and acting on their behalf he must inform Kensington Mortgage if the balance of the mortgage advance is not just from me. I disclosed to the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with Kensington Mortgage to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Kensington Mortgage if you agree, failing which, your lawyer must cease to continue acting.
I need to find a Kensington Mortgage panel solicitor in Belfast. Could you help me?
It is not clear why you need a Kensington Mortgage panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Kensington Mortgage to find out which solicitors in Kensington Mortgage are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
I am thinking of remortgaging my property does my lawyer need to be on the Kensington Mortgage Conveyancing panel?
There is nothing to stop you using your solicitor but Kensington Mortgage will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
How can we tell if a solicitor on the Kensington Mortgage panel is any good?
Getting recommendations is a good starting point. 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 advise that you speak with the solicitor carrying out your conveyancing
Planning on purchasing a flat with a mortgage with Kensington Mortgage. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Kensington Mortgage conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Kensington Mortgage conveyancing panel
After shopping around on the internet I have found a solicitor having made sure that they are on the Kensington Mortgage conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of house buying,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Kensington Mortgage conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Kensington Mortgage will need an independent valuation of the property. Your lawyer will not arrange this. Usually Kensington Mortgage 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 Kensington Mortgage you could contact your them to see if they have a list of approved surveyors.