Frequently asked questions relating to the Rooftop Mortgages Conveyancing Panel from members of the public
I appointed a firm of solicitors to work on my purchase six weeks ago having applied for a mortgage with Rooftop Mortgages. The solicitors confirmed to me that they are on Rooftop Mortgages conveyancing panel and gave me their panel number. Rooftop Mortgages then ,via my broker advised that their panel number was dormant and would need to be reactivated. What happens next? Should I appoint a new solicitor listed on the approved panel for Rooftop Mortgages?
The answer depends on whether you still have confidence in the said solicitors and how long it will take for the firm to be reinstated on the Rooftop Mortgages conveyancing panel You may wish to enlist the help of your broker to check with the Rooftop Mortgages as to the time frame to get your lawyer reinstated on the panel once again.
We are getting closer to an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Rooftop Mortgages. I am advised that, being on the Rooftop Mortgages conveyancing panel and acting on their behalf he must inform Rooftop Mortgages if the balance of the mortgage advance is not just from me. I informed the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for him to raise this?
Your lawyer is obliged to check with Rooftop Mortgages to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Rooftop Mortgages if you agree, failing which, your lawyer must cease to continue acting.
Whilst your website is a good idea there are many lawyers listed near Middlesbrough on the Rooftop Mortgages conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the conveyancing panel for Rooftop Mortgages ?
We are not in the business of recommending one firm above another 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 house is up for sale and I have a buyer. Does my solicitor have to be on the Rooftop Mortgages conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Rooftop Mortgages conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
For 5 years I had a mortgage with Rooftop Mortgages. My grandfather has just retired and wants to pay off the mortgage left on the property. After Rooftop Mortgages is paid, I want to transfer the property to my mother's name; How long will it roughly take? Do we need two separate solicitors on the Rooftop Mortgages conveyancing panel? I do not intend to live at the property once the Rooftop Mortgages mortgage is discharged.
You
will need a solicitor but they need not be on the Rooftop Mortgages conveyancing panel.
You will need a solicitor to draw up the transfer and
to deal with the Land Registry formalities. The only thing you need to
consider is that by selling at an undervalue so ask your lawyer about
the implications. There could be an inheritance tax issue if you die
within 7 years of this. As the property is your main residence you need
not pay CGT but you should speak with your accountants in any event.
I have not been happy with the level or service received from my lawyer. Is there a Rooftop Mortgages conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to Rooftop Mortgages about their conveyancing panel is unlikely to yield much of a response. Every solicitor firm 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 addressed 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.
My husband and I are remortgaging a penthouse in Hendon. Conveyancing solicitors in Hendon will soon beinstructed. My fathersuggested that we check that the property lawyer in Hendon is on the Rooftop Mortgages approved list of lawyers. Is this right?
Not all Hendon conveyancing firms are on the Rooftop Mortgages conveyancing panel. Use the above search tool to locate a Hendon conveyancing practitioner on the on the Rooftop Mortgages approved list of lawyers.
