Find a Law Firm
approved by NRAM

Ready to buy a new home? Failing to check that a lawyer is on the NRAM list of approved solicitors can put your transaction at risk of delay or failure.

Find an Approved Solicitor on the NRAM Ltd Conveyancing Panel

NRAM Ltd Conveyancing Panel : Questions and Answers

Is there a reason why all solicitors are not on the NRAM Ltd Conveyancing panel?
Even though it may seem unfair for NRAM Ltd to restrict who can act for them from the public’s or solicitor’s point of view, the other side of the coin is that the lenders are becoming ever more anxious and feel the necessary need to protect them from mortgage fraud and other illegal activities. As a result of this concern NRAM Ltd are limiting their panel of approved conveyancing lawyers to a manageable size. The NRAM Ltd lawyer panel is not the most restricted
Can you clarify something for me?. My lawyer is not to blame but, the conveyancing for my house purchase has been going on for months. The Local Authority Search from NRAM Ltd was date stamped random date and we have agreed a date for me to move into the property on 10 days inc Day of week eg. Mon. My lawyer has advised that as she is on the NRAM Ltd conveyancing panel she needs to reorder the searches as they are no longer valid.
One of the many conditions to being on the NRAM Ltd approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on NRAM Ltd)which specifies that a local authority search be not more than 6 months old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to NRAM Ltd.
I see that you have a search directory listing law firms on the NRAM Ltd conveyancing panel. Do firms pay you a referral fee if I retain them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the NRAM Ltd conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am selling my house. Does my solicitor have to be on the NRAM Ltd conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the NRAM Ltd 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.
We expect to receive a DIP from NRAM Ltd this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the NRAM Ltd recommend a solicitor on the NRAM Ltd conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the NRAM Ltd conveyancing panel. The solicitor represents both you and the NRAM Ltd through the process.
The mortgage over my property is with NRAM Ltd. Conveyancing was finalised months ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform NRAM Ltd?
Your original mortgage agreement with NRAM Ltd will provide that you need their approval in advance of renting your property as this is likely to be a breach of NRAM Ltd’s mortgage conditions. It may be that NRAM Ltd will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact NRAM Ltd directly. It should not be necessary to do this via a NRAM Ltd conveyancing panel solicitor.
My ex -wife’s name is on the NRAM Ltd 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 NRAM Ltd mortgage in order to sell?
As regards the NRAM Ltd 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 NRAM Ltd 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.