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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

Common questions asked concerning the Zephyr Mortgages Solicitor Panel

The solicitor my fiance and I had intended to instruct on a remortgage said she will levy higher legal fees if my lender is because of their unusual legal requirements. Am I likely to be frustrated 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.
I am purchasing a newly built flat and my conveyancer is advising me that she is duty bound to disclose incentives from the builder as her firm is on the Zephyr Mortgages conveyancing panel. The Estate Agents are hassling me to sign contracts and I have no desire to prolong the conveyancing. Is my lawyer right?
You should not exchange unless you have advised to do so by your lawyer. 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). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Zephyr Mortgages conveyancing panel. My lawyer has said that they are on the Zephyr Mortgages approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Zephyr Mortgages conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Zephyr Mortgages solicitor panel.
I am purchasing a new build flat and getting a mortgage with Zephyr Mortgages. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Zephyr Mortgages conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Zephyr Mortgages conveyancing panel in your location.
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. Please confirm
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.
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, the seller does however have a dependent purchase. 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 do I do now? When should I get the mortgage app going 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.