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Ready to buy a new home? Failing to check that a lawyer is on the zephyr 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 Zephyr Mortgages Conveyancing Panel? How can my firm be reinstated onto the Zephyr Mortgages Conveyancing Panel?Find an Approved Solicitor on the Zephyr Mortgages Conveyancing Panel
Common questions asked concerning the Zephyr Mortgages Conveyancing Panel
The solicitor my fiance and I wanted to use for conveyancing on a purchase said he will levy higher legal fees if my mortgage is with Zephyr Mortgages due to their unusual legal requirements. Will I regret using Zephyr Mortgages? Any comments will be appreciated
Zephyr Mortgages conveyancing requirements for their panel are no better or no more complicated than most lenders.
It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender.
It is not clear if your lawyer is on the Zephyr Mortgages conveyancing panel. If they are not, this does add further risk of delay as Zephyr Mortgages will appoint their own solicitors to look after their interest.
Our son-in-law is buying a new build apartment with a home loan from Zephyr Mortgages. His conveyancer has said that there is a delay in completing the ‘Disclosure of Incentive Form’. What is this document - I have never come across this before?
The form is intended to provide information to the main parties engaged in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the Zephyr Mortgages conveyancing panel as a standard part of the process, and to the valuer when asked.
The Developer will be required to start the process by downloading the form and completing it.
The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the Zephyr Mortgages conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
Is it necessary during the course of the conveyancing process to pop into the offices of the Zephyr Mortgages conveyancing panel solicitor to sign the legal charge? If so, I will instruct a firm who offer conveyancing in Bristol
so that I can pop in to their offices if required.
Most conveyancing panel lawyers for Zephyr Mortgages undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
The solicitors that I appointed last week on my purchase in Newcastle has without warning shut down. I only went with them because I needed a firm on the Zephyr Mortgages conveyancing panel and my previous lawyer was not. I paid them £200 on account. What are my options?
If you have an estate agent involved then let them know immediately so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the Zephyr Mortgages conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers may be able to assist
Do conveyancing solicitors on the Zephyr Mortgages conveyancing panel work on a no sale no fee basis?
There is generally no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
We are getting a further advance on our mortgage from Zephyr Mortgages as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the Zephyr Mortgages conveyancing panel to deal with the paperwork?
Zephyr Mortgages do not ordinarily appoint firms on their approved list of lawyers to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Zephyr Mortgages list
I have a mortgage with Zephyr Mortgages. Conveyancing was finalised 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 BTL mortgage or inform Zephyr Mortgages?
Your original mortgage agreement with Zephyr Mortgages will provide that you need their approval prior to renting your property as this is likely to be a breach of Zephyr Mortgages’s mortgage conditions. In many cases banks or building societies will permit you to let 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 Zephyr Mortgages directly. It should not be necessary to do this via a Zephyr Mortgages conveyancing panel lawyer.
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Transfer of Equity for Zephyr MortgagesPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors