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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
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I need to swap lawyers as my lawyer is not on the Zephyr Mortgages panel of conveyancing solicitors. How easy is it to change conveyancer?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
My fiance and I changing mortgage lender for our flat with Zephyr Mortgages. We have a son 18 who lives with us. The solicitor on the Zephyr Mortgages conveyancing panel requested us to identify anyone over the age of 17 other than ourselves who reside at the property. The solicitor has now sent a form for our son to sign, waiving any legal rights in the event that the apartment is repossessed. I have a couple of concerns (1) Is this document specific to the Zephyr Mortgages conveyancing panel as he never had to sign this form when we remortgaged 3 years ago (2) In signing this form is our son in any way compromising his right 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.
Do all mortgage companies provide you with an approved list of solicitors? How do you know who is on the Zephyr Mortgages conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the Zephyr Mortgages conveyancing panel as opposed to being supplied with a list from Zephyr Mortgages directly.
I am considering applying for a Zephyr Mortgages mortgage for purchase of a new build (under development) with 65 per cent loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Zephyr Mortgages?
In theory, you could use a solicitor that is not on Zephyr Mortgages conveyancing panel, but Zephyr Mortgages would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
Do conveyancing lawyers on the Zephyr Mortgages conveyancing panel work on a no sale no fee basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
Is it the case that all solicitors on the Zephyr Mortgages conveyancing panel overseen by the SRA?
As a firm of solicitors, in order to be on the Zephyr Mortgages conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a Zephyr Mortgages conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to Zephyr Mortgages. All solicitors and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.
The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.
If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.
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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