FAQs : The Rooftop Mortgages Solicitor Panel from members of the public
On what basis would a firm of solicitors be excluded from the Rooftop Mortgages solicitor panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of law firms had been excluded from a lender panel. The top reasons in order are :
- Low volume of transactions
- the lawyer is a sole practitioner
- as part of the HSBC panel reduction
- regulatory contact by SRA
- accidental removal. We are not aware of the specific or common criteria for removal by Rooftop Mortgages
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Rooftop Mortgages will not agree to this. Why was Rooftop Mortgages even consulted?
Your lawyer being on the Rooftop Mortgages conveyancing panel is duty bound to inform Rooftop Mortgages of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Rooftop Mortgages then they would have to discontinue acting for you and Rooftop Mortgages.
I need to find a Rooftop Mortgages panel solicitor in Inverness. Can you assist?
Unfortunately it’s not apparent why you need a Rooftop Mortgages panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Rooftop Mortgages to find out which solicitors in Rooftop Mortgages are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
We're in Liverpool, FTBs purchasing with a mortgage (lender is Rooftop Mortgages , but our lawyer is on the Rooftop Mortgages conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Rooftop 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
Last month we had a mortgage agreed in principle with Rooftop Mortgages. Solicitors have been instructed? What is the average time that one could expect to receive a mortgage offer from Rooftop Mortgages?
There is no definitive answer here. Have Rooftop Mortgages conducted the valuation? Have you advised Rooftop Mortgages as your lawyers details and checked that your lawyer is on the Rooftop Mortgages conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
Can I register a complaint to Rooftop Mortgages about the lawyers being on the Rooftop Mortgages conveyancing panel?
There is little point in complaining directly to Rooftop 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.
My ex -wife’s name is on the Rooftop Mortgages mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Rooftop Mortgages mortgage in order to sell?
In terms of the Rooftop Mortgages mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Rooftop Mortgages in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.
