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Ready to buy a new home? Failing to check that a lawyer is on the Rooftop Mortgages list of approved solicitors can put your transaction at risk of delay or failure.
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How does my firm apply to be on the Rooftop Mortgages Ltd Conveyancing Panel? How can my firm be reinstated onto the Rooftop Mortgages Ltd Conveyancing Panel?Find an Approved Solicitor on the Rooftop Mortgages Ltd Conveyancing Panel
Q and A’s regarding the Rooftop Mortgages Solicitor Panel
The conveyancer my fiance and I wanted to use for conveyancing on a remortgage said she would charge more if my mortgage is with Rooftop Mortgages because of their unusual legal requirements. Am I likely to be frustrated using Rooftop Mortgages? Any comments will be appreciated
Rooftop Mortgages 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 Rooftop Mortgages conveyancing panel. If they are not, this does add further risk of delay as Rooftop Mortgages will appoint their own solicitors to look after their interest.
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 make a notification to my lender Rooftop Mortgages. Apparently, 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 advised the bank about my parent’s contribution when I applied for the home loan so is it really necessary for this now to be an issue?
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.
I require the services of a Rooftop Mortgages panel solicitor in Stirling. Could you help me?
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. After all the cost is only one £1 a month
We're in London, First time buyers 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
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Rooftop Mortgages. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Rooftop Mortgages you will need to appoint a solicitor on the Rooftop Mortgages conveyancing panel.
Can I register a complaint to Rooftop Mortgages about the lawyers being on the Rooftop Mortgages conveyancing panel?
Complaining to Rooftop Mortgages 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 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.
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called into my local branch Rooftop Mortgages on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Rooftop Mortgages conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. I simply dont know who is right
As long as the conveyancer is on the Rooftop Mortgages panel she or he must comply with the CML Handbook requirements for Rooftop Mortgages. Unless your lawyer obtains specific confirmation in writing that Rooftop Mortgages will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Rooftop Mortgages to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
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