Rooftop Mortgages Conveyancing Panel Information

The information on this page is designed to keep solicitors and licensed conveyancers abreast of latest requirements changes by Rooftop Mortgages and to assist in remaining on the Rooftop Mortgages Solicitors Panel.

Rooftop Mortgages Solicitor Panel: Recently Asked Questions

my firm is on the Rooftop Mortgages conveyancing panel. Can I get an archived copy of a Rooftop Mortgages Part 2 from the CML?
The CML do not keep data sets of P2 conditions Pre January 2011. The CML recommend you contact Rooftop Mortgages directly.

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Do Rooftop Mortgages or the Council of Mortgage Lenders run CPD seminars for the Rooftop Mortgages approved conveyancing panel in the same way that CQS run CPD Courses for accredited firms?
No such training is arranged by the CML although they do provided a number of general legal related conferences which are attended by firms on the Rooftop Mortgages conveyancing panel. It is our intention to run specific lender focused seminars in the coming months including a webinar on Rooftop Mortgages’s Part 2 obligations. Practitioners on the Rooftop Mortgages conveyancing panel will be invited. Information about the webinar will be made available as part of the LENDERmonitor P2 change Notifications.
Is there a standard appeals process to prevent solicitors from being unfairly removed them from lender conveyancing panels?
There are thousands of firms across the UK who feel aggrieved claiming that they have been removed from lenders’ panels without an explanation or a good reason. It is highly unlikely, given that lenders have distanced themselves from creating a standardised appeals process for brokers, that an appeals process will be introduced for lawyers. Commenting on the call by brokers to have a standardised process the CML said’ “While we understand that some lenders do have an appeals process, it would not be appropriate for a trade body such as the CML to seek to be prescriptive about such a process.” Some lenders do of course set out an appeals policy. The Law Society does have information on it’s site that may be of assistance. If you would like to talk to one of our compliance experts about our Lender Panel Protection Service please contact us.
What obligations do I have, being on the Rooftop Mortgages conveyancing panel, to carry out a Lawyer Checker Search, an HS2 search?
Rooftop Mortgages make no specific obligation to carry out any of the searches listed. The UK Finance Lenders’ Handbook simply states that ‘you must ensure that any other searches which may be appropriate to the particular property, taking into account its locality and other features are carried out’.

Please note that most ‘less usual searches’ (as described in the Law Society’s Conveyancing Handbook) are not optional as far as Rooftop Mortgages are concerned if they are ‘appropriate’. Most lenders will not require environmental searches (you should Check Part 2 of UK Finance Lenders’ Handbook to be sure), but you are obliged to explain risks and availability to the client.

Ground stability, Plansearch,flood searches as well as the searches listed in the question are optional – but only to the extent that you have allowed the borrower client to make an informed choice. Regardless of whether there is a mortgage, If you have not advised the client that these (and other) searches are available and what risks they cover, then you will be liable if the client suffers loss through not conducting one. Is this covered within your Terms of Engagement or Report on Title?

One search supplier lists over 70 conveyancing searches – do you know what all of them are and when they may be relevant? If you are unsure as to which searches are appropriate based on location call your search provider or call one of the leading search companies such as Searches UK.

We had our Rooftop Mortgages panel membership revoked but we have not yet been given an explanation yet. I am completing a CQS renewal questionnaire what information do I need to report?
In the circumstances please clarify on the form what action you have taken to find out the reasons behind cancellation of your Rooftop Mortgages panel membership. In particular please provide details if you have received communications from the lender. E.G. before cessation of your panel membership did you receive any letters or calls from the lender putting you on notice?
I am on the Rooftop Mortgages conveyancing panel and scheduled to complete a remortgage within the next few weeks. I can not locate a Legal Charge for the client to sign. Who do I contact at Rooftop Mortgages to request substitute deeds?
You should communicate with Rooftop Mortgages to obtain standard documents. The The Council of Mortgage Lenders Handbook incorporates an individual section for banks to establish who to contact to obtain standard documents. Rooftop Mortgages in their Part 2’s state:
Always remember to quote your Rooftop Mortgages conveyancing panel reference.

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Average number of days to register title including a charge in favour of Rooftop Mortgages
This information relates to purchase only and not remortgages.
YearDays*
2024 [no data]
2023 [no data]
2022 [no data]
2021 [no data]
2020 [no data]
2019 [no data]
* Data aggregated from sources including COMPLETIONmonitor