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Ready to buy a new home? Failing to check that a lawyer is on the The Mtg Works list of approved solicitors can put your transaction at risk of delay or failure.
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How does my firm apply to be on the The Mortgage Works Conveyancing Panel? How can my firm be reinstated onto the The Mortgage Works Conveyancing Panel?Find an Approved Solicitor on the The Mortgage Works Conveyancing Panel
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It has come to my attention via my mortgage broker that my solicitor is not on the The Mortgage Works Conveyancing panel. What can I do to check?
You need to contact your conveyancer. You lawyer should 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 The Mortgage Works.
My lawyer has discovered an inconsistency between the information in The Mortgage Works’s home valuation survey and what is in the conveyancing documents. My solicitor has advised that as he is on the The Mortgage Works conveyancing panel he needs to check that the lender is happy with this discrepancy and is content go ahead. Is my conveyancer’s stance correct?
A precondition to being on the The Mortgage Works approved panel is to comply with the CML Handbook requirements (last updated for this lender on The Mortgage Works) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
I require the services of a The Mortgage Works panel solicitor in Stirling. Could you help me?
It is not clear why you need a The Mortgage Works panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to The Mortgage Works to find out which solicitors in The Mortgage Works are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
Please explain the implications if my lawyer’s firm is expelled from the The Mortgage Works Conveyancing panel before completion?
The first thing to point out is that, this is very unlikely to happen. 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 for a fee.
In what circumstances might The Mortgage Works amend or withdraw their mortgage offer?
Banks and Building Societies such as The Mortgage Works can revoke their mortgage offer although this rarely happens. should The Mortgage Works withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are a number of examples:
- Many mortgage offers have an expiry date. Your lawyer should check this. The Mortgage Works may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
- If the borrower informs The Mortgage Works of a change in security address
- Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
- Where the sale is not at arms length for value to unconnected persons
- If the solicitor on the The Mortgage Works conveyancing panel acting for the applicant, borrower, mortgagor or guarantor cannot comply with The Mortgage Works ‘s instructions
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a The Mortgage Works conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to The Mortgage Works. 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 addressed 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.
After much negotiation I have agreed a price on an apartment. My financial adviser pressured me to appoint their lawyers I paid an upfront payment of 175. Soon after the conveyancers contacted me sheepishly admitting that they were not on the The Mortgage Works conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the The Mortgage Works panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
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Transfer of Equity for The Mortgage WorksPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors