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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.
Looking for information about your firm's panel status?How does my firm apply to be on the Mortgage Express Conveyancing Panel? How can my firm be reinstated onto the Mortgage Express Conveyancing Panel?
Find an Approved Solicitor on the Mortgage Express Conveyancing Panel
Frequently asked questions relating to the Mortgage Express (No 2) Conveyancing Panel
Am I correct in assuming that the fact that my solicitor is not identified on the Mortgage Express (No 2) Solicitor panel that there is a problem with the quality of her conveyancing?
It would not be wise to jump to that conclusion. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal are: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for Mortgage Express (No 2).
My lawyer has identified a discrepancy when comparing the assumptions in Mortgage Express (No 2)’s valuation survey and what is revealed within the legal papers for the property. My solicitor says that as he is on the Mortgage Express (No 2) conveyancing panel he is obliged to ensure that the lender is with this discrepancy and is content go ahead. Is my conveyancer’s course or action correct?
A precondition to being on the Mortgage Express (No 2) approved panel is to comply with the CML Handbook requirements (last updated for this lender on Mortgage Express (No 2)) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I see that you have a post code search directory listing firms on the Mortgage Express (No 2) conveyancing panel. Do firms pay you a commission if I appoint them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the Mortgage Express (No 2) conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am selling my house. Does my solicitor have to be on the Mortgage Express (No 2) conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Mortgage Express (No 2) 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.
My wife and I have arranged a further advance on our mortgage from Mortgage Express (No 2) as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the Mortgage Express (No 2) conveyancing panel to deal with the legals?
Mortgage Express (No 2) would not normally appoint a member of their approved list of lawyers to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Mortgage Express (No 2) panel
Two weeks ago we had a mortgage agreed in principle with Mortgage Express (No 2). Solicitors have been chosen? How long does it take for Mortgage Express (No 2) to send the offer to our conveyancer
There is no definitive answer here. Have Mortgage Express (No 2) conducted the valuation? Have you advised Mortgage Express (No 2) as your lawyers details and checked that your lawyer is on the Mortgage Express (No 2) conveyancing panel? sometimes it can take as long as six weeks for a mortgage offer to be issued
After shopping around on the internet I have found a solicitor having checked that they are on the Mortgage Express (No 2) conveyancing panel. Does my lawyer arrange the survey of the property? Or I've read lots of mortgage guides,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Mortgage Express (No 2) conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Mortgage Express (No 2) will need an independent valuation of the property. Your lawyer will not arrange this. Usually Mortgage Express (No 2) 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 Mortgage Express (No 2) you could contact your them to see if they have a list of approved surveyors.