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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
FAQs for the Zephyr Mortgages Conveyancing Panel
I am obtaining a mortgage with Zephyr Mortgages. my intention is to enlist the help of a Licensed Conveyancer. Does the Zephyr Mortgages Conveyancing panel include Licensed Conveyancers
Zephyr Mortgages’s approved solicitor list is, like many other lenders associated to the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
Expecting to move into my new home next Thursday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as he says that he has to check this in has capacity as lawyer for Zephyr Mortgages. What risks do Zephyr Mortgages expect the insurance to cover?
All property lawyers on the Zephyr Mortgages conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Zephyr Mortgages’s Part 2 requirements of the CML Handbook (last updated on Zephyr Mortgages). Being on the Zephyr Mortgages conveyancing panel your lawyer is expect to follow these requirements.
Do all the licensed conveyancers and solicitor practices listed on your directory have online case tracking as I understood that this was a condition of being on the Zephyr Mortgages conveyancing panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
My grandmother passed away six months ago and as sole heir and executor was left the house. The house had a small mortgage left on it of around £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Zephyr Mortgages , pay off the mortgage etc. Is this allowed?
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. 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.
I recently had an offer accepted on an apartment. My financial adviser suggested a solicitor I paid an upfront payment of 200. Soon after the conveyancers contacted me to say that they were not on the Zephyr Mortgages conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Zephyr Mortgages panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
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 booked. My conveyancing solicitor has been instructed. What should be my next step? 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.
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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