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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

Examples of recent questions relating to the Mortgage Express (No 2) Solicitor Panel

My Solicitor is not listed on the Mortgage Express (No 2) Approved Panel. Can I still retain my family solicitor notwithstanding that they are excluded from the Mortgage Express (No 2) panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Mortgage Express (No 2) mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Mortgage Express (No 2) conveyancing panel additional costs will be incurred as separate legal representation will be required by Mortgage Express (No 2). Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
My solicitor has requested from me proof of ID documents asserting that this is part of his legal duty as a conveyancer on the Mortgage Express (No 2) Conveyancing panel. Is this right?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you need to sign will no doubt confirm this. Your lawyer is right that Mortgage Express (No 2) also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with Mortgage Express (No 2) CML Handbook requirements last updated on Mortgage Express (No 2)
Do all the firms listed on your directory have online case tracking as I was under the impression that this was a precondition of being on the Mortgage Express (No 2) solicitor panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I am considering applying for a Mortgage Express (No 2) mortgage for purchase of a newly converted (under development) with 65 per cent loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Mortgage Express (No 2)?
There is nothing to stop you using your solicitor but Mortgage Express (No 2) will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
I am selling my flat. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Mortgage Express (No 2) are being problematic. The solicitor who is on the Mortgage Express (No 2) conveyancing panel is saying indemnity insurance will be fine but Mortgage Express (No 2) are requiring a building regulation certificate. Why do Mortgage Express (No 2) have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Mortgage Express (No 2) have referred the matter to their valuer. The reason why Mortgage Express (No 2) may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
My ex -wife’s name is on the Mortgage Express (No 2) mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Mortgage Express (No 2) mortgage in order to sell?
In terms of the Mortgage Express (No 2) mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Mortgage Express (No 2) in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.
At last I have had an offer on an apartment accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What should be my next step? At what point should I appy for the mortgage with Mortgage Express (No 2)?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Mortgage Express (No 2) conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Mortgage Express (No 2) and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.