Examples of recent questions relating to the The Mortgage Lender Solicitor Panel
from members of the public
The solicitor my fiance and I wanted to use for conveyancing on a remortgage said he would charge more if my lender is because of their unusual legal requirements. Will I regret using The Mortgage Lender? Is The Mortgage Lender conveyancing so much more difficult?
The Mortgage Lender conveyancing requirements for their panel are no better or no more complicated than most lenders.
It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender.
It is not clear if your lawyer is on the The Mortgage Lender conveyancing panel. If they are not, this does add further risk of delay as The Mortgage Lender will appoint their own solicitors to look after their interest.
My lawyer has identified an inconsistency between the surveyor’s assumptions in The Mortgage Lender’s valuation survey and what is in the conveyancing documents. My lawyer says that as he is on the The Mortgage Lender conveyancing panel he needs to ensure that the lender is with this discrepancy and is still content to lend. Is my lawyer’s stance correct?
A precondition to being on the The Mortgage Lender approved panel is to comply with the CML Handbook requirements (last updated for this lender on The Mortgage Lender) 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 you.
I am buying a house and require a conveyancing solicitor in Birmingham who is on the The Mortgage Lender approved. Could you point me in the right direction as regards a conveyancing firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for The Mortgage Lender . We don’t recommend any particular firm.
My solicitors in Liverpool have advised me that no longer have my conveyancing file. To assist with my purchase I took out a mortgage with The Mortgage Lender. Is it case that being on the The Mortgage Lender 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 The Mortgage Lender Conveyancing Panel Terms. It might be worth you contacting The Mortgage Lender directly.
Do conveyancing lawyers on the The Mortgage Lender conveyancing panel work on a no move no charge basis?
There is generally 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 service
My wife and I have arranged a further advance on our mortgage from The Mortgage Lender as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the The Mortgage Lender conveyancing panel to deal with the legals?
The Mortgage Lender would not normally appoint firms on their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the The Mortgage Lender panel
I have not been happy with the level or service received from my lawyer. Is there a The Mortgage Lender conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to The Mortgage Lender about their conveyancing panel is unlikely to yield much of a response. 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.