Find an Approved Solicitor on the Zephyr Mortgages
Zephyr Mortgages Solicitor Panel Example Support Desk Enquires
I am getting a mortgage with Zephyr Mortgages. I intend to retain the legal services of a Licensed Conveyancer. Does the Zephyr Mortgages Solicitor panel allow for Licensed Conveyancers
Zephyr Mortgages’s approved solicitor list is, like many other lenders associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
My solicitor has uncovered a difference between the assumptions in Zephyr Mortgages’s valuation survey and what is revealed within the legal papers for the property. My lawyer has advised that as he is on the Zephyr Mortgages conveyancing panel he is duty bound to ensure that the lender is happy with this discrepancy and is still content to lend. Is my lawyer’s approach legitimate?
A precondition to being on the Zephyr Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on Zephyr Mortgages) 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.
How do I search for a local solicitor on the Zephyr Mortgages conveyancing panel? I have a car and am prepared to travel up to 25 miles to meet the conveyancer.
Feel free to make use of the find a conveyancing panel search on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Zephyr Mortgages solicitor panel.
My grandmother passed away last year and as sole heir and executor was left the house. The house had a small mortgage left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Zephyr Mortgages , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Zephyr Mortgages will insist on your using a conveyancer on the Zephyr Mortgages conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Zephyr Mortgages conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Zephyr Mortgages mortgage is registered as a charge at the Land Registry.
I have paid off my mortgage with Zephyr Mortgages. I assume I don't need a solicitor on the Zephyr Mortgages panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Zephyr Mortgages mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Zephyr Mortgages mortgage from the register. Zephyr Mortgages,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the Zephyr Mortgages has sent the Land Registry the discharge electronically, and
the Zephyr Mortgages has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Zephyr Mortgages mortgage has been paid off.
I am selling my apartment. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Zephyr Mortgages are being difficult. The solicitor who is on the Zephyr Mortgages conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Zephyr Mortgages are requiring a building regulation certificate. Why do Zephyr Mortgages have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Zephyr Mortgages have referred the matter to their valuer. The reason why Zephyr Mortgages may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
My ex -wife’s name is on the Zephyr Mortgages mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Zephyr Mortgages mortgage in order to sell?
As regards the Zephyr Mortgages mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Zephyr Mortgages in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.
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