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The Mortgage Works Conveyancing Panel: Recently Asked Questions
Are the CML planning on creating a searchable register search tool with a view
to list practices on the
The Mortgage Works conveyancing panel?
We are not aware of any intention on the part of the CML to develop such a tool.
My firm is on the
The Mortgage Works conveyancing panel. I am dealing with
The Mortgage Works mortgage on a purchase. My borrower client is asking not to disclose an issue to
The Mortgage Works. What do I do in this conflict situation?
When a solicitor is acting for both
The Mortgage Works and borrower there is potential for conflicts
to arise. You owe duties to both clients. All information received by
you from your client is confidential and cannot be disclosed without
the client’s consent. In the situation you find yourself in if the
purchaser will not consent to the information being passed on to the
lender the solicitor must cease to act for the The Mortgage Works
and it may well be prudent you to cease to act for the purchaser as
well. You can not tell the The Mortgage Works the reason for
termination of the retainer over and above the fact that a conflict
has arisen. The fact that you can no longer act should alert even the
most somnambulistic of lenders that something is wrong with the
borrower and/or purchase. The fact that you have disinstructed
yourself should not affect your The Mortgage Works conveyancing
panel status.
In conducting leasehold title investigations do
The Mortgage Works conveyancing panel lawyers have to examine whether there is an insolvent landlord?
On the basis that your firm in is on the
The Mortgage Works conveyancing panel and you are representing them in relation to a leasehold property, you must report to them if it becomes apparent that the landlord is either absent or insolvent. If
The Mortgage Works are to lend, they may require indemnity insurance. In any event,you will need to check
The Mortgage Works’s specific requirements. Notwithstanding whether
The Mortgage Works will lend in such circumstances you still need to advise the borrower (unless you are acting for
The Mortgage Works alone) as to the risks of buying a property with an insolvent or absentee landlord.
My conveyancing assistant has resigned unexpectedly.
I urgently need to prioritise making sure that charges are registered. That said, how quickly do I need to send deeds to
The Mortgage Works once the charge is registered before my firm runs the risk of being suspended off the conveyancing panel for The Mortgage Works?
The Mortgage Works 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
The Mortgage Works conveyancing panel.
Do publish figures exists regarding the
The Mortgage Works conveyancing panel size as well as the number of conveyancing firms removed from their panel each year?
With lenders and solicitors working so closely together it is surprising that there has not been greater demand for the introduction of a bit of transparency regarding not just the figures for the
The Mortgage Works conveyancing panel but for all bank panels
Should CQS accreditation guarantee my firm’s acceptance on to lenders conveyancing panels?
The Law Society’s CQS membership is no guarantee to lender panel acceptance. Nevertheless the Council of Mortgage Lenders have indicated that it is likely to become a prerequisite for firms wishing to join their approved list of conveyancing solicitors. Some mortgage companies now use the Conveyancing Quality Scheme accreditation as the starting point for Panel acceptance as is the case with Santander.
I am on the
The Mortgage Works
conveyancing panel and scheduled to complete a purchase within the next few weeks. My papers do not include a Legal Charge for the client to execute.
Who do I contact at The Mortgage Works to request substitute deeds?
You should get in touch with The Mortgage Works
to obtain standard documents. The The Council of Mortgage Lenders Handbook includes an explicit inquiry for lenders to set out who to contact to obtain standard documents.
The Mortgage Works in their Part 2’s state:
It helps to disclose the firm’s The Mortgage Works conveyancing panel reference.
Find a Lawyer on the The Mortgage Works Solicitor Panel
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Average number of days to register title including a charge in favour of The Mortgage Works
This information relates to purchase only and not remortgages.
| Year | Days* |
|---|---|
| 2026 | [no data] |
| 2025 | [no data] |
| 2024 | [no data] |
| 2023 | [no data] |
| 2022 | [no data] |
| 2021 | [no data] |
* Data aggregated from sources including COMPLETIONmonitor
Other related topics:
- CQS policy templates and procedures for accredited The Mortgage Works Firms
- Draft Report on Title precedent for The Mortgage Works borrowers
- Draft Anti Money Laundering PolicyTemplate for The Mortgage Works panel firms to consider
- Dealing with Lender Policy Template panel for CQS accredited firms on the The Mortgage Works lender panel
- Buy-to-Let help for The Mortgage Works
- Consent-to-Let help for The Mortgage Works
- Contractor Mortgages with The Mortgage Works
