Find a Law Firm
approved by zephyr
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.
Find an Approved Solicitor on the Zephyr Mortgages Conveyancing Panel
Examples of recent questions relating to the Zephyr Mortgages Conveyancing Panel
My financial adviser has informed me that I have to pay Zephyr Mortgages fees should I instruct my family lawyer. How good are the Zephyr Mortgages conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH provided that they are good and reasonably priced. Are there any Zephyr Mortgages conveyancers you'd recommend?
Zephyr Mortgages’s conveyancing panel is substantial so it would be advisable to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Zephyr Mortgages will allow to act for them.
My property lawyer has requested from me personal identification documents stating that this is part of his legal duty as a solicitor on the Zephyr Mortgages Solicitor panel. This is news to me - can I refuse?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with Zephyr Mortgages your lawyer also has to check ID documents to satisfy Zephyr Mortgages
I require the services of a Zephyr Mortgages panel solicitor in Stirling. Could you help me?
It is not clear why you need a Zephyr Mortgages panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Zephyr Mortgages to find out which solicitors in Zephyr Mortgages are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
My house is up for sale and I have a buyer. Does my solicitor have to be on the Zephyr Mortgages conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Zephyr Mortgages conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
I have instructed a lawyer having checked that they are on the Zephyr Mortgages conveyancing panel. Does my lawyer arrange the survey of the property?
Or
Having read lots 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 Zephyr Mortgages conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Zephyr Mortgages will need an independent valuation of the property. Your lawyer will not arrange this. Usually Zephyr 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 Zephyr Mortgages you could contact your them to see if they have a list of approved surveyors.
Zephyr Mortgages have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Zephyr Mortgages or your broker and complete any relevant paperwork. Zephyr Mortgages will tell you what documents they want. Zephyr Mortgages will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Zephyr Mortgages will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
My offer on house has been accepted, but there is a chain. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What should be my next step? At what point should I appy for the mortgage with Zephyr Mortgages?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Zephyr Mortgages conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Zephyr Mortgages and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.