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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) Solicitor Panel

A conveyancer I had intended to instruct on a remortgage said she would charge more if my lender is due to their difficult processes! Am I likely to be frustrated using Mortgage Express (No 2)? Is Mortgage Express (No 2) conveyancing so much more difficult?
Mortgage Express (No 2) 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 Mortgage Express (No 2) conveyancing panel. If they are not, this does add further risk of delay as Mortgage Express (No 2) will appoint their own solicitors to look after their interest.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Mortgage Express (No 2) will not agree to this. Why was Mortgage Express (No 2) even consulted?
Your lawyer being on the Mortgage Express (No 2) conveyancing panel is duty bound to inform Mortgage Express (No 2) of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Mortgage Express (No 2) then they would have to discontinue acting for you and Mortgage Express (No 2).
I am searching for conveyancing quotes online. Can I be assured that all the firms that are identified on your website are on the Mortgage Express (No 2) conveyancing panel?
The law firms on our directory have assured us via an online form that they are on the Mortgage Express (No 2) panel and agreed to advise us to take down their listing in the event of removal off of the Mortgage Express (No 2) panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Mortgage Express (No 2) conveyancing panel is not accurate.
My grandfather passed away 10 months ago and as sole heir and executor was left the property. The house had a small mortgage remaining of approximately £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Mortgage Express (No 2) , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Mortgage Express (No 2) will insist on your using a conveyancer on the Mortgage Express (No 2) conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Mortgage Express (No 2) conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Mortgage Express (No 2) mortgage is registered as a charge at the Land Registry.
I previously instructed online solicitors based in Cardiff who are on the Mortgage Express (No 2) solicitor panel. They are now charging me a separate fee of £135 for dealing with the Mortgage Express (No 2) mortgage. Is this an additional conveyancing fee set by Mortgage Express (No 2)?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Mortgage Express (No 2) but by your lawyers. Some firms on the Mortgage Express (No 2) will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
We were going to get a DIP from Mortgage Express (No 2) 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 Mortgage Express (No 2) recommend a solicitor on the Mortgage Express (No 2) conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Mortgage Express (No 2) conveyancing panel. The solicitor represents both you and the Mortgage Express (No 2) through the process.
I was told four weeks ago that my mortgage has been agreed to by Mortgage Express (No 2). Is it usual for Mortgage Express (No 2) to only issue the offer once my solicitor is approved on their conveyancing panel?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Mortgage Express (No 2) to deal with your lawyers application to be on the Mortgage Express (No 2) conveyancing panel. There's no guarantee that your solicitors will be accepted.