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approved by Rooftop Mortgages
Ready to buy a new home? Failing to check that a lawyer is on the Rooftop Mortgages list of approved solicitors can put your transaction at risk of delay or failure.
Find an Approved Solicitor on the Rooftop Mortgages Ltd Conveyancing Panel
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We are hoping to buy a 3 bedroom flat in London with a mortgage from Rooftop Mortgages. We like our solicitor but Rooftop Mortgages says she’s not on their "panel". It seems we have little choice but to instruct one of the Rooftop Mortgages panel solicitors or keep our solicitor and pay for one of their panel ones to represent them. This seems very unfair; is there anything we can do?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Rooftop Mortgages 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 lawyer to apply to be on the conveyancing panel for Rooftop Mortgages
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Rooftop Mortgages will not agree to this. Why was Rooftop Mortgages even consulted?
Your lawyer being on the Rooftop Mortgages conveyancing panel is duty bound to inform Rooftop Mortgages of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Rooftop Mortgages then they would have to discontinue acting for you and Rooftop Mortgages.
Whilst your website is a good idea there are many lawyers listed near Leeds on the Rooftop Mortgages conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the Rooftop Mortgages approved panel?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
My lawyers in Newcastle have advised me that no longer have my conveyancing file. To assist with my purchase I took out a mortgage with Rooftop Mortgages. Is it case that being on the Rooftop Mortgages 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 Rooftop Mortgages Conveyancing Panel Terms. It might be worth you contacting Rooftop Mortgages directly.
Can you point me to a directory of Rooftop Mortgages panel solicitors on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
Hi, thinking about buying a house off my mate. Once we agree a price, what’s the best way to move forward? I plan to obtain a mortgage with Rooftop Mortgages. Is there anyway to cut out the solicitors to save us both money? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Rooftop Mortgages involved you will need to appoint a solicitor on the Rooftop Mortgages conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Rooftop Mortgages. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Rooftop Mortgages conveyancing panel.
We expect to receive a DIP from Rooftop Mortgages this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Rooftop Mortgages recommend a solicitor on the Rooftop Mortgages conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Rooftop Mortgages conveyancing panel. The solicitor represents both you and the Rooftop Mortgages through the process.