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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

Q and A’s regarding the Kensington Mortgage Conveyancing Panel

I appointed a firm of solicitors to carry out on my purchase 4 weeks ago having applied for a mortgage with Kensington Mortgage. The solicitors assured me that they are on Kensington Mortgage conveyancing panel and provided me their panel reference. Kensington Mortgage then called me to say that their panel number was dormant and would need to be reactivated. What do I do from here? Should I appoint a new solicitor currently on the approved panel for Kensington Mortgage?
The answer depends on whether you still have confidence in the said solicitors and how long it will take for the firm to be reinstated on the Kensington Mortgage conveyancing panel You may wish to enlist the help of your broker to check with the Kensington Mortgage as to the time frame to get your lawyer reinstated on the panel once again.
Our solicitor has uncovered a defect with the lease for the apartment we are buying. The seller’s lawyers have put forward defective title insurance as a solution. We are happy with insurance and will pay for it. Our solicitor has advised that as he is on the Kensington Mortgage conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Kensington Mortgage?
Just because you have a mortgage offer from Kensington Mortgage does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Kensington Mortgage are the client. The appropriate lender requirements must be adhered to by the Kensington Mortgage conveyancing panel who has to balance acting for you and Kensington Mortgage
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Kensington Mortgage conveyancing panel. My lawyer has said that they are on the Kensington Mortgage approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Kensington Mortgage conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Kensington Mortgage solicitor panel.
My house is up for sale and I have a buyer. Does my solicitor have to be on the Kensington Mortgage conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Kensington Mortgage conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
We have a mortgage agreed in principle with Kensington Mortgage. Solicitors have been chosen? What is the average time that one could expect to receive a mortgage offer from Kensington Mortgage?
There is no definitive answer here. Have Kensington Mortgage completed the valuation? Have you advised Kensington Mortgage as your lawyers details and checked that your lawyer is on the Kensington Mortgage conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
After much negotiation I have agreed a price on a house. My financial adviser pressured me to appoint their lawyers I paid an upfront payment of 175. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Kensington Mortgage conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Kensington Mortgage panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
Kensington Mortgage have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Kensington Mortgage or your broker and complete any relevant paperwork. Kensington Mortgage will tell you what documents they want. Kensington Mortgage will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Kensington Mortgage will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.