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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

Q and A’s regarding the Rooftop Mortgages Conveyancing Panel

I am in the process of selling my house and the EA has just telephoned to advise that the buyers are switching property lawyer. The reason given is that Rooftop Mortgages will only work with property lawyers on their approved list. Why would a big named mortgage company only engage with certain solicitors?
Lenders have always had panels of law firms they are willing to work with, but in the past few years big names such as HSBC, have reviewed and reduced their conveyancing panel– in some cases removing conveyancing firms who have worked with them for decades.

Lenders blame a rise in fraud as the reason for the cull – criteria have been tightened and a smaller panel should be easier to keep an eye on. No lender will say how many solicitors have been dropped, claiming the information is commercially sensitive, but the Law Society says it is hearing daily from firms that have been removed from panels, or have other concerns about them. Some do not even realise they have been dropped until contacted by a borrower who has instructed them as might be the situation in your buyer’s case. Your purchasers are unlikely to have any sway in the decision.

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.
Do all the licensed conveyancers and solicitor practices listed on your directory have online case tracking as I was under the impression that this was a precondition of being on the Rooftop Mortgages conveyancing panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I am selling my house. Does my solicitor have to be on the Rooftop Mortgages conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Rooftop Mortgages 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.
My brother and I have had an offer accepted on a flat I spoke to a conveyancer previously used by my uncle and he advised using a solicitor approved by Rooftop Mortgages. The estate agent recommended two local firms so I asked Rooftop Mortgages if the 2 suggested solicitors are approved, which they are not. Rooftop Mortgages pointed out that either firm can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Rooftop Mortgages 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Rooftop Mortgages for conveyancing panel firms in your area. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the Rooftop Mortgages conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Rooftop Mortgages conveyancing panel as it may only take about 2-3 weeks. As long as they meet Rooftop Mortgages’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
The for formalities of my purchase has taken place with a loan from Rooftop Mortgages. Conveyancing was a necessary evil but I would like to complain about Rooftop Mortgages. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the Rooftop Mortgages branches or the Customer Care Department at Rooftop Mortgages head office. In most cases complaints to Rooftop Mortgages are sorted out effectively and efficiently. If you feel that the matter is not resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Rooftop Mortgages have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Rooftop Mortgages or your broker and complete any relevant paperwork. Rooftop Mortgages will tell you what documents they want. Rooftop Mortgages will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Rooftop Mortgages will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.