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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?
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Rooftop Mortgages Conveyancing Panel Recently Asked Questions
It has come to my attention via my mortgage broker that my property lawyer is not on the Rooftop Mortgages Solicitor panel. What can I do to check?
You need to contact your lawyer directly. It is reasonable to expect your lawyer to advise you of the situation. If they are not on the panel they may recommend you to a firm that is on the conveyancing panel for Rooftop Mortgages.
I do hope you can help me. My lawyer is advising me that he is legally obliged to order a Local Authority search as the firm are on the Rooftop Mortgages conveyancing panel. Is my lawyer correct?
Unfortunately both you and your lawyer have little choice here. As you are taking a mortgage with Rooftop Mortgages your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Rooftop Mortgages’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Rooftop Mortgages. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I am looking for conveyancing quotes online. Can I be sure that all the practices that are listed on your website are on the Rooftop Mortgages conveyancing panel?
The solicitor and licensed conveyancing practices on our directory have advised us 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.
I was expecting to complete on my flat last Friday. My lawyer’s firm is on the Rooftop Mortgages conveyancing panel but has changed address 8 weeks ago and had not informed Rooftop Mortgages of their new address. Rooftop Mortgages has locked down the release of mortgage funds until such time as their systems are up to date with the correct details.
This is a rare situation indeed. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Rooftop Mortgages branch or your mortgage broker to see if they can assist.
I currently have a mortgage with with Rooftop Mortgages. Conveyancing was finalised 12 months ago. Should I wish to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Rooftop Mortgages?
You must advise Rooftop Mortgages before letting out your property as this is likely to be a breach of Rooftop Mortgages’s mortgage conditions. In many cases banks or building societies will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Rooftop Mortgages directly. It should not be necessary to do this via a Rooftop Mortgages conveyancing panel lawyer.
My offer was accepted on a house on the 5th March 2014, valuation was booked 2 days after, all came back fine. Conveyancer instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Rooftop Mortgages and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Rooftop Mortgages conveyancing panel. Can the lender hold off the offer?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Rooftop Mortgages to deal with your lawyers application to be on the Rooftop Mortgages conveyancing panel. There's no guarantee that your solicitors will be accepted.
After shopping around on the internet I have found a solicitor having made sure that they are on the Rooftop Mortgages conveyancing panel. Does my lawyer arrange the survey of the property? Or Having digested plenty of mortgage guides,I note that it is considered advisable to 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.