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Ready to buy a new home? Failing to check that a lawyer is on the zephyr list of approved solicitors can put your transaction at risk of delay or failure.
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FAQs : The Zephyr Mortgages Solicitor Panel
My property lawyer is not on the Zephyr Mortgages Solicitor Panel. Can I still use my preferred solicitor even though they are excluded from the Zephyr Mortgages panel of approved conveyancing solicitors?
The most common options here are as follows:
- Carry on with your existing solicitors but Zephyr Mortgages will need to instruct a lawyer on the Zephyr Mortgages conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Zephyr Mortgages conveyancing panel.
- Convince your lawyer to do everything within their powers to join the Zephyr Mortgages conveyancing panel
Expecting to move into my new home next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in has capacity as lawyer for Zephyr Mortgages. What does the insurance need to cover?
All property lawyers on the Zephyr Mortgages conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Zephyr Mortgages’s Part 2 requirements of the CML Handbook (last updated on Zephyr Mortgages). Being on the Zephyr Mortgages conveyancing panel your lawyer is expect to follow these requirements.
Do I need to pop into the offices of the Zephyr Mortgages conveyancing panel solicitor to sign the mortgage deed? If so, I will appoint a lawyer who conducts conveyancing in London
so that I can pop in to their offices if required.
Most conveyancing panel lawyers for Zephyr Mortgages undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
My aunt passed away 10 months ago and as sole heir and executor was left the property. The house had a small mortgage remaining of approximately £4500. I want to have the title changed into my name whilst I re-mortgage to Zephyr Mortgages , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Zephyr Mortgages will insist on your using a conveyancer on the Zephyr Mortgages conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Zephyr Mortgages conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Zephyr Mortgages mortgage is registered as a charge at the Land Registry.
I currently have a mortgage with with Zephyr Mortgages. Conveyancing was finalised a year ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Zephyr Mortgages?
You must advise Zephyr Mortgages in advance of letting out your property as this is likely to be a breach of Zephyr Mortgages’s mortgage conditions. In many cases banks or building societies will permit you to let 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 Zephyr Mortgages directly. It should not be necessary to do this via a Zephyr Mortgages conveyancing panel firm.
Completion of my remortgage has taken place with a mortgage from Zephyr Mortgages. Conveyancing was satisfactory but I would like to complain about Zephyr Mortgages. How do I make a complaint?
Almost all lenders have complaints procedures. Your first point of contact should be one of the Zephyr Mortgages branches or the Customer Services Department at Zephyr Mortgages head office. Ordinarily complaints to Zephyr Mortgages are resolved effectively and efficiently. If you feel that the matter is not resolved you can write to the
Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Can I register a complaint to Zephyr Mortgages about the lawyers being on the Zephyr Mortgages conveyancing panel?
Complaining to Zephyr Mortgages about their conveyancing panel is unlikely to yield much of a response. Every solicitor firm and conveyancer must have a complaints procedure. You can get 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.
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Transfer of Equity for Zephyr MortgagesPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors