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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.
Looking for information about your firm's panel status?
How does my firm apply to be on the Rooftop Mortgages Ltd Conveyancing Panel? How can my firm be reinstated onto the Rooftop Mortgages Ltd Conveyancing Panel?Find an Approved Solicitor on the Rooftop Mortgages Ltd Conveyancing Panel
Examples of recent questions relating to the Rooftop Mortgages Conveyancing Panel
My Conveyancer is not listed on the Rooftop Mortgages Approved Panel. Can I still continue with my preferred solicitor even though they are excluded from the Rooftop Mortgages approved list?
The most common options here are as follows:
- Carry on with your existing lawyers but Rooftop Mortgages will need to instruct a lawyer on the Rooftop Mortgages conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Rooftop Mortgages conveyancing panel.
- Urge your lawyer to apply to join the Rooftop Mortgages lender panel
I am due to complete my purchase next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for Rooftop Mortgages. What risks do Rooftop Mortgages expect the insurance to cover?
Any lawyer on the Rooftop Mortgages conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Rooftop Mortgages’s Part 2 requirements of the CML Handbook (last updated on Rooftop Mortgages). Being on the Rooftop Mortgages conveyancing panel your lawyer is expect to follow these instructions.
Are the lawyers identified as being on the Rooftop Mortgages conveyancing panel, together with their details provided by Rooftop Mortgages?
The law firm practices themselves provide us confirmation that they are on the Rooftop Mortgages conveyancing panel as opposed to being supplied with a list from Rooftop Mortgages directly.
What happens if my lawyer’s firm is removed from the Rooftop Mortgages Solicitor panel prior to the moving date as agreed at exchange of contracts?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
I previously instructed online solicitors located in London who are on the Rooftop Mortgages solicitor panel. They are now charging me a separate fee of £175 for dealing with the Rooftop Mortgages mortgage. Is this an additional conveyancing fee specified by Rooftop Mortgages?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Rooftop Mortgages but by your lawyers. Some firms on the Rooftop Mortgages will charge an ‘acting for lender’ fee and others do not.
My ex -wife’s name is on the Rooftop Mortgages mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Rooftop Mortgages mortgage in order to sell?
In terms of the Rooftop Mortgages mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Rooftop Mortgages in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.
My offer on house has been accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with Rooftop Mortgages?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Rooftop Mortgages conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Rooftop Mortgages and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.
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