Find an Approved Solicitor on the MPowered Mortgages
Frequently asked questions relating to the MPowered Mortgages Solicitor Panel
I have just been informed by my broker that my lawyer is not on the MPowered Mortgages Conveyancing panel. What can I do to check?
The first thing you need to do is to contact your conveyancer. You lawyer should advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the the approved MPowered Mortgages solicitor panel.
Our lawyer has discovered a problem with the lease for the flat we are buying. The seller’s lawyers have suggested title insurance as a solution. We are content with insurance and will pay for it. Our lawyer has advised that as he is on the MPowered Mortgages conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or MPowered Mortgages?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and MPowered Mortgages are the client. A precondition to being on the MPowered Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on MPowered Mortgages). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that MPowered Mortgages can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . 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 have been searching for competitive conveyancing fees. Can I be sure that all the firms that are listed on your directory are on the MPowered Mortgages conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the MPowered Mortgages panel and agreed to advise us to take down their listing in the event of removal off of the MPowered Mortgages panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the MPowered Mortgages conveyancing panel is incorrect.
I am buying a semi-detached house and getting a mortgage with MPowered Mortgages. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the MPowered Mortgages conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the MPowered Mortgages conveyancing panel in your location.
We are getting a further advance on our mortgage from MPowered Mortgages as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the MPowered Mortgages conveyancing panel to deal with the paperwork?
MPowered Mortgages do not ordinarily instruct 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 MPowered Mortgages list
I am currently in the process of buying my council flat. I have a mortgage agreed with MPowered Mortgages. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have 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 MPowered Mortgages you will need to appoint a solicitor on the MPowered Mortgages conveyancing panel.
Can I register a complaint to MPowered Mortgages about the lawyers being on the MPowered Mortgages conveyancing panel?
Complaining to MPowered Mortgages about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.
The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.
If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.