Accord Mortgages Solicitor Panel Sample Enquires to our Call Center from members of the public
My Solicitor is not on the Accord Mortgages Approved Panel. Is it possible for me to continue with my family solicitor even though they are excluded from the Accord Mortgages approved list?
You have a number of options available to you here:
- Carry on with your preferred lawyers but Accord Mortgages will need to instruct a lawyer on the Accord Mortgages conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Accord Mortgages conveyancing panel.
- Convince your lawyer to do everything within their powers to join the Accord Mortgages conveyancing panel
I do hope you can help me. My conveyancer is advising me that he is legally obliged to apply for a Local Authority search as the firm are on the Accord Mortgages solicitor panel. Do I not have a choice here?
You have limited options available to you. As you are taking a mortgage with Accord Mortgages your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Accord Mortgages’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Accord Mortgages. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Your search tool is useful but there are many lawyers listed near Manchester on the Accord Mortgages conveyancing panel. Can you recommend a specific firm on the conveyancing panel for Accord Mortgages ?
We do not recommend specific firms as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
My solicitors in London have advised me that they can not locate my conveyancing file. At the time of my purchase I took out a mortgage with Accord Mortgages. Is it case that being on the Accord Mortgages conveyancing panel they need to have retained the file for a number of years?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Accord Mortgages Conveyancing Panel Terms. It might be worth you contacting Accord Mortgages directly.
Can I be sure that the solicitor on the Accord Mortgages panel is any good?
Getting recommendations is a sensible starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always advocate that you speak with the solicitor conducting your conveyancing
I have today made my last payment due on mortgage with Accord Mortgages. I assume I don't need a solicitor on the Accord Mortgages panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Accord 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 Accord Mortgages mortgage from the register. Accord 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 Accord Mortgages has sent the Land Registry the discharge electronically, and
the Accord Mortgages has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Accord Mortgages mortgage has been paid off.
Intending to buy a flat with a mortgage with Accord Mortgages. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Accord Mortgages conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Accord Mortgages conveyancing panel