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Mortgage Express (No 2) Conveyancing Panel: Recently Asked Questions
I am on the Mortgage Express (No 2) conveyancing panel. Can I get an archived copy of a Mortgage Express (No 2) Part 2 from the CML?
The Council of Mortgage Lenders do not maintain historic copies of the Part 2's Pre January 2011. The CML recommend you make a request of Mortgage Express (No 2) directly.
Is it conceivable that
Mortgage Express (No 2)
will instruct another solicitor on the
Mortgage Express (No 2)
conveyancing panel for a further advance during the lifetime of a mortgage?
Paragraph 16.2.1 of Part 1 of the Handbook relevant to a solicitor on the
Mortgage Express (No 2)
conveyancing panel reads ‘Our mortgage secures further advances. Consequently, when a further advance is required for alterations or improvements to the property we will not normally instruct a member of our conveyancing panel but if you are instructed the appropriate provisions of this Handbook will apply’.
I am hearing that agents are using online checkers to see if a firm is on a lender panel. Why?
Many estate agents will be feeling the pain if their clients start out on the buying process having appointed a conveyancer who is not on the panel with the purchaser’s chosen lender. Many
conveyancing firms are only discovering when they begin working on a
case that they are no longer able to work with that lender. Given
the inevitable resultant delays in the transaction the chances of an
abortive deal increases dramatically. in the circumstances there is
understandable anguish on the part of the estate agent as a result of
the lost time should the client have to change lawyers.
My firm is not on the
Mortgage Express (No 2) conveyancing panel as well other banks.
My clients, who have applied for a mortgage with Mortgage Express (No 2) still want me to act for them even though I am not on the
Mortgage Express (No 2) panel. Is it fine for me to use a firm down the road to act for
Mortgage Express (No 2) on mortgage aspect of the conveyancing?
Please tread carefully here as what you are intending may not be acceptable to the lender.
It is possible that you (as a non-panel firm) or the mortgage applicant are not entitled instruct a panel firm of your choice. Lenders such as Nationwide BS make it clear to their panel firms that where a non-panel member firm is instructed by one of their mortgage applicants, the lender will appoint a panel firm to carry out its instructions and to liaise with the borrower's conveyancing firm.
You also need to make the costs implications and potential for delay very clear to your client.
My conveyancing assistant has resigned on short notice.
I urgently need to prioritise making sure that charges are registered. That said, how quickly do I need to send deeds to
Mortgage Express (No 2) once the charge is registered before my firm runs the risk of being suspended off the conveyancing panel for Mortgage Express (No 2)?
Mortgage Express (No 2) will likely expect the deeds to be sent to them within 10 days of you receiving the TID (unless their specific P2 requirements specifically state that they you are not to send them anything). Most COTs refer to complying with the Certificate of Title referred to in IB (3.7) of the SRA Code of Conduct 2011, published by the Law Society which states that you ‘will despatch to you such deeds and documents relating to the Property as you require with a list of them in the form prescribed by you within ten working days of receipt by us of the title information document from the Land Registry’ As to whether the lender will suspend your panel status this very much varies according to the lender’s own internal policies The more cases you have the more risk you face. Some lenders may take action if there records show that the deeds are outstanding for more than 3 matters. The fact is that if you keep within the time frame then you will have more chance of remaining on the
Mortgage Express (No 2) conveyancing panel.
Prime Professional’s PII renewal form asks if my practice had been removed off any mortgage panels in the last year.
I recently found out that the firm is no longer on the
Mortgage Express (No 2) solicitor panel? Will that effect my PII premium?
The best placed professionals to answer this question are your insurance brokers.
The chances are that on the basis that you have not been removed for
fraud or negligence reasons that there will be little or no
impact. The main reason why a firm would be removed off of a lender
panel is due to low volume of conveyancing cases although there may be
a number of criteria for Mortgage Express (No 2) solicitor panel
membership. Please remember that it is always important that you
complete your insurance forms accurately.
Our practice is on the
Mortgage Express (No 2)
conveyancing panel and scheduled to complete a purchase within the next few weeks. I can not locate a Legal Charge for the client to sign.
Who do I contact at Mortgage Express (No 2) to get a duplicate Deed?
You should contact Mortgage Express (No 2)
to obtain standard documents. The CML Handbook incorporates a specific section for banks to establish who to contact to obtain standard documents.
Mortgage Express (No 2) in their Part 2’s state:
Please remember to disclose your Mortgage Express (No 2) solicitors panel number.
Find a Lawyer on the Mortgage Express (No 2) Solicitor Panel
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Average number of days to register title including a charge in favour of Mortgage Express (No 2)
This information relates to purchase only and not remortgages.
| Year | Days* |
|---|---|
| 2025 | [no data] |
| 2024 | [no data] |
| 2023 | [no data] |
| 2022 | [no data] |
| 2021 | [no data] |
| 2020 | [no data] |
* Data aggregated from sources including COMPLETIONmonitor
Other related topics:
- CQS policy templates and procedures for accredited Mortgage Express (No 2) Firms
- Draft Report on Title precedent for Mortgage Express (No 2) borrowers
- Draft Anti Money Laundering PolicyTemplate for Mortgage Express (No 2) panel firms to consider
- Dealing with Lender Policy Template panel for CQS accredited firms on the Mortgage Express (No 2) lender panel
- Buy-to-Let help for Mortgage Express (No 2)
- Consent-to-Let help for Mortgage Express (No 2)
- Contractor Mortgages with Mortgage Express (No 2)
