Fleet Mortgages Solicitor Panel Example Support Desk Enquires from members of the public
I need to swap lawyers as my lawyer is not on the Fleet Mortgages panel of conveyancing solicitors. Is it practical to instruct different lawyers?
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 conveyancer has spotted a discrepancy between the assumptions in Fleet Mortgages’s valuation report and what is in the title deeds. My lawyer says that as he is on the Fleet Mortgages conveyancing panel he needs to check that the lender is with this discrepancy and is content go ahead. Is my lawyer’s approach correct?
A precondition to being on the Fleet Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on Fleet 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 both parties.
I am planning to acquire a house and need a conveyancing solicitor in Newcastle who is on the Fleet Mortgages approved. Can you recommend a local solicitor?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Fleet Mortgages . We don’t recommend any particular firm.
We're in Birmingham, First time buyers purchasing with a mortgage (lender is Fleet Mortgages , but our lawyer is on the Fleet Mortgages conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Fleet Mortgages conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Is it the case that all conveyancing solicitors on the Fleet 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
I am buying a property where the roof has a solar panel. Fleet Mortgages have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Fleet Mortgages your lawyer must to check the Fleet Mortgages conveyancing instructions contained in the Part of CML Handbook for Fleet Mortgages . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Fleet Mortgages where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
At last I have had an offer on an apartment accepted, but there is a chain. 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 Fleet 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 Fleet 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 Fleet Mortgages and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.