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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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FAQs : The The Mortgage Works Solicitor Panel
My husband and I are buying a 2 bedroom flat in Leeds with a mortgage from The Mortgage Works. We would like to retain our lawyer but The Mortgage Works says he's not on their "panel". It seems we have little choice but to instruct one of the The Mortgage Works panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that The Mortgage Works use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the The Mortgage Works conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for The Mortgage Works
I am due to move into my new home next Tuesday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for The Mortgage Works. What does the insurance need to cover?
All property lawyers on the The Mortgage Works 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 The Mortgage Works’s Part 2 requirements of the CML Handbook (last updated on The Mortgage Works). Being on the The Mortgage Works conveyancing panel your lawyer is expect to follow these instructions.
I see that you have a post code search directory listing law firms on the The Mortgage Works conveyancing panel. Do firms pay you a commission if I instruct them for my house purchase?
We are a listing service only for law firms wishing to communicate if they are on the The Mortgage Works conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am in the process of mortgaging my home does my lawyer have to be on the The Mortgage Works Conveyancing panel?
There is nothing to stop you using your solicitor but The Mortgage Works will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the The Mortgage Works conveyancing panel?
Some major banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.
Do the majority of lenders operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the The Mortgage Works conveyancing panel requirements are different to The Mortgage Works’s conveyancing panel requirements.
I was thinking of purchasing my friend’s property. Once we agree a price, what’s the best way to proceed? I hope to get a mortgage with The Mortgage Works. Is there anyway to cut out the solicitors to save us both money? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with The Mortgage Works involved you will need to appoint a solicitor on the The Mortgage Works conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to The Mortgage Works. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the The Mortgage Works conveyancing 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