Find a Law Firm
approved by Mortgage Express

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

Find an Approved Solicitor on the Mortgage Express Conveyancing Panel

Common questions asked concerning the Mortgage Express (No 2) Conveyancing Panel

My IFA has says he needs my solicitor’s panel reference for the Mortgage Express (No 2) conveyancing panel. How do I discover this. I have tried my local Mortgage Express (No 2) branch but they have not got back to me yet.
You are best placed to get this information from your conveyancing lawyer. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Mortgage Express (No 2).
Expecting to move into my new home next Monday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as as he informs me that he is duty bound to validate that it is in order for Mortgage Express (No 2). What risks do Mortgage Express (No 2) expect the insurance to cover?
All property lawyers on the Mortgage Express (No 2) 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 Mortgage Express (No 2)’s Part 2 requirements of the CML Handbook (last updated on Mortgage Express (No 2)). Being on the Mortgage Express (No 2) conveyancing panel your lawyer is expect to follow these requirements.
Do I have to attend the offices of the Mortgage Express (No 2) conveyancing panel solicitor to sign the legal charge? If so, I will choose one who does conveyancing in Manchester so that I can pop in to their offices if required.
Most conveyancing panel lawyers for Mortgage Express (No 2) undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
I was expecting to complete on my flat yesterday. My lawyer’s firm is on the Mortgage Express (No 2) conveyancing panel but has moved offices in the past couple of months and had not advised Mortgage Express (No 2) of their new address. Mortgage Express (No 2) is now refusing to release my funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Mortgage Express (No 2) branch or your mortgage broker to see if they can assist.
Do conveyancing solicitors on the Mortgage Express (No 2) conveyancing panel work on a no move no charge basis?
In the main there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
I have paid off my mortgage with Mortgage Express (No 2). I assume I don't need a solicitor on the Mortgage Express (No 2) panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Mortgage Express (No 2) mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Mortgage Express (No 2) mortgage from the register. Mortgage Express (No 2),and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Mortgage Express (No 2) has sent the Land Registry the discharge electronically, and the Mortgage Express (No 2) has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Mortgage Express (No 2) mortgage has been paid off.
I currently have a mortgage with with Mortgage Express (No 2). Conveyancing has been completed some time 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 Mortgage Express (No 2)?
Mortgage Express (No 2) must be informed of your intention in advance of letting out your property as this is likely to be a breach of Mortgage Express (No 2)’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 Mortgage Express (No 2) directly. It should not be necessary to do this via a Mortgage Express (No 2) conveyancing panel solicitor.