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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

Mortgage Express (No 2) Solicitor Panel Recently Asked Questions

I appointed a law firm to conveyancing on my house purchase 4 weeks ago having applied for a mortgage with Mortgage Express (No 2). The firm assured me that they are on Mortgage Express (No 2) conveyancing panel and provided me their panel reference. Mortgage Express (No 2) then called me to say that their panel number was dormant and would need to be reactivated. What happens next? Should I appoint a new solicitor currently on the approved panel for Mortgage Express (No 2)?
You may be very frustrated with the lawyer but if it only go take a few more days they it may be worth waiting as, depending on how far progressed you are you may end up delaying the transaction by a number of weeks if you need to replace your solicitor You may wish to enlist the help of your broker to check with the Mortgage Express (No 2) as to how long they think it will take to get the firm to get back on the panel.
My lawyer has identified a difference when comparing the assumptions in Mortgage Express (No 2)’s valuation report and what is in the legal papers for the property. My solicitor informs me that as he is on the Mortgage Express (No 2) conveyancing panel he needs to ensure that the lender is with this discrepancy and is still content to lend. Is my conveyancer’s stance right?
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.
Do all mortgage companies provide you with an approved list of solicitors? How do you know who is on the Mortgage Express (No 2) conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the Mortgage Express (No 2) conveyancing panel as opposed to being supplied with a list from Mortgage Express (No 2) directly.
My solicitors in Leeds have advised me that no longer have my conveyancing file. To assist with my purchase I took out a mortgage with Mortgage Express (No 2). Is it case that being on the Mortgage Express (No 2) conveyancing panel they need to have retained the file for a prescribed period?
Different lenders have different requirements but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Mortgage Express (No 2) Conveyancing Panel Terms. It might be worth you contacting Mortgage Express (No 2) directly.
We are getting a further advance on our mortgage from Mortgage Express (No 2) as we wish to carry out alterations or improvements 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 instruct firms on 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) list
The mortgage over my property is with Mortgage Express (No 2). Conveyancing has been completed months ago. If I am intending 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)?
Your original mortgage agreement with Mortgage Express (No 2) will provide that you need their approval prior to renting your property as this is likely to be a breach of Mortgage Express (No 2)’s mortgage conditions. It may be that Mortgage Express (No 2) 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. You need not do this via a Mortgage Express (No 2) conveyancing panel firm.
I am selling my flat. I had a double glazing fitted in month 8 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Mortgage Express (No 2) are being pedantic. The solicitor who is on the Mortgage Express (No 2) conveyancing panel is recommending indemnity insurance as a solution 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.