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Zephyr Mortgages Conveyancing Panel : Questions and Answers
I am getting a offer of a mortgage from Zephyr Mortgages. I would like to retain the legal services of a Licensed Conveyancer. Does the Zephyr Mortgages Conveyancing panel allow for conveyancers regulated by the CLC
Zephyr Mortgages’s conveyancing panel is, like many other lenders represented by the Council or Mortgage Lenders or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
My fiance and I changing mortgage lender for our flat with Zephyr Mortgages. We have a son 19 who lives with us. The solicitor on the Zephyr Mortgages conveyancing panel requested us to identify any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have two concerns (1) Is this form unique to the Zephyr Mortgages conveyancing panel as he never had to sign this form when we purchased 3 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Zephyr Mortgages .This is solely used to protect the Zephyr Mortgages if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.
It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Zephyr Mortgages had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I am buying a house and require a conveyancing solicitor in Birmingham who is on the Zephyr Mortgages approved. Could you point me in the right direction as regards a solicitor?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Zephyr Mortgages . We don’t recommend any particular firm.
I am refinancing my apartment does my lawyer need to be on the Zephyr Mortgages Conveyancing panel?
There is nothing to stop you using your solicitor but Zephyr Mortgages will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
When it comes to mortgage companies such as Zephyr Mortgages do solicitors have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
Do most banks 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 Zephyr Mortgages conveyancing panel requirements are different to Zephyr Mortgages’s conveyancing panel criteria.
Next month my fiance and I are acquiring a terraced house in Hendon. Conveyancing solicitors in Hendon need to begiven the go-ahead. My motheradvised that we enquire that the solicitor in Hendon is on the Zephyr Mortgages panel. Is this really necessary?
It is not that case that all Hendon conveyancing firms are on the Zephyr Mortgages conveyancing panel. 8 people a month use our search tool to find a Hendon conveyancing firm on the on the Zephyr Mortgages approved list of lawyers.
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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