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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.
Looking for information about your firm's panel status?Is my firm on the Mortgage Express Conveyancing Panel? 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?
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Mortgage Express (No 2) Conveyancing Panel Sample Enquires to our Call Center
My fiance and I are hoping to buy a 3 bedroom apartment in London with a mortgage from Mortgage Express (No 2). We would like to retain our solicitor but Mortgage Express (No 2) says he's not on their "panel". It seems we have little choice but to instruct one of the Mortgage Express (No 2) panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; Can we not simply insist that Mortgage Express (No 2) use our lawyer?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Mortgage Express (No 2) conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your solicitors to apply to be on the conveyancing panel for Mortgage Express (No 2)
Our property lawyer is asking me for ID documents saying that this is part of his requirements as a conveyancer on the Mortgage Express (No 2) Conveyancing panel. Am I being spun a yarn?
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 Client Care letter 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)
What tools are available to search for a local solicitor on the Mortgage Express (No 2) conveyancing panel? I have a car and am prepared to travel up to 20 kilometers to meet the solicitor.
Feel free to make use of the find a conveyancing panel search on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Mortgage Express (No 2) solicitor panel.
My house is up for sale and I have a buyer. Does my solicitor have to be on the Mortgage Express (No 2) conveyancing panel in order to deal with paying off 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.
When it comes to mortgage companies such as Mortgage Express (No 2) do lawyers have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
Do most banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Mortgage Express (No 2) conveyancing panel requirements are different to Mortgage Express (No 2)’s conveyancing panel criteria.
I am currently in the process of buying my council flat. I have a mortgage offer with Mortgage Express (No 2). Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Mortgage Express (No 2) you will need to appoint a solicitor on the Mortgage Express (No 2) conveyancing panel.