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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

FAQs for the Rooftop Mortgages Conveyancing Panel

My wife and I are FTBs. Within the last couple of days our lawyer has forwarded the sale agreement to sign with a detailed report with the expectation that exchange is imminent. Rooftop Mortgages have this morning contacted us to inform me that there is now an issue as our lawyer is not on their conveyancing panel. Please explain?
If you are buying a property with the assistance of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.

In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme. Your property lawyers should contact Rooftop Mortgages and see if they can apply for membership of the Rooftop Mortgages conveyancing panel, but if that is not viable Rooftop Mortgages will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on the Rooftop Mortgages conveyancing panel as you are at liberty to use your preferred lawyers, in which case it will likely add costs, and it may delay matters as you are adding another lawyer into the mix.

Our lawyer has identified a problem with the lease for the apartment we are buying. The other side have put forward defective title insurance as a workaround. We are happy with insurance and will pay for it. Our solicitor has advised that as he is on the Rooftop Mortgages conveyancing panel he must ensure that the lender is happy with this solution. Are we the client or is Rooftop Mortgages?
Just because you have a mortgage offer from Rooftop Mortgages does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Rooftop Mortgages are the client. The appropriate lender requirements have to be complied with by the Rooftop Mortgages conveyancing panel who has to balance acting for you and Rooftop Mortgages
I am looking for competitive conveyancing fees. Can I be sure that all the firms that are identified on your site are on the Rooftop 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 Rooftop Mortgages panel and agreed to advise us to take down their listing in the event of removal off of the Rooftop Mortgages panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Rooftop Mortgages conveyancing panel is incorrect.
We're in Liverpool, First time buyers buying with a mortgage (lender is Rooftop Mortgages , but our solicitor is on the Rooftop Mortgages conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Rooftop Mortgages conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Completion of my remortgage has taken place with a loan from Rooftop Mortgages. Conveyancing was satisfactory but I feel I should register my dissatisfaction about Rooftop Mortgages. How does one go about formally complaining?
Almost all banks and building societies have complaints procedures. Your first point of contact should be one of the Rooftop Mortgages branches or the Customer Care Team at Rooftop Mortgages head office. Ordinarily complaints to Rooftop Mortgages are resolved effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service with full details of your complaint.
Can I register a complaint to Rooftop Mortgages about the lawyers being on the Rooftop Mortgages conveyancing panel?
Complaining to Rooftop 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.

I have instructed a lawyer having checked that they are on the Rooftop Mortgages conveyancing panel. Does my lawyer arrange the survey of the property? Or I've digested plenty of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Rooftop Mortgages conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Rooftop Mortgages will need an independent valuation of the property. Your lawyer will not arrange this. Usually Rooftop Mortgages will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Rooftop Mortgages you could contact your them to see if they have a list of approved surveyors.