Rooftop Mortgages Conveyancing Panel Information

UK Finance Designator: Rooftop Mortgages Ltd
Jurisdiction: England and Wales

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.

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Rooftop Mortgages Conveyancing Panel: Recently Asked Questions

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Can a firm make a complaint to the Council of Mortgage Lenders about being removed from the Rooftop Mortgages conveyancing panel?
The CML is an association rather than a regulator and therefore cannot advise on grievances against lenders. You can of course contact Lexsure to see if we can assist.
Rooftop Mortgages have asked me to represent them alone on a residential conveyancing matter , using the CML Lender’s Handbook. The borrower has his own solicitor (not on the Rooftop Mortgages conveyancing panel) How will this operate and are there different instructions from Rooftop Mortgages in this situation?
The Council of Mortgage Lenders, along with Rooftop Mortgages and other lenders created a standard set of requirements where a conveyancer is acting for a lender such as Rooftop Mortgages alone in a residential conveyancing transaction. These legal instructions are contained at Part 3 of the UK Finance Lenders’ Handbook and are to be followed in conjunction with Parts 1 & 2. The CML have published an example requirements letter to the borrower’s conveyancing solicitor for use by the lender's conveyancer, and sets out to the borrower's conveyancer, the documentary and information requirements of the lender's panel solicitor.
Is it true that the Law Society has recommended that firms check their status on the Rooftop Mortgages conveyancing panel?
The Scottish Law Society has advised that solicitors should check their panel status with lenders before accepting client instructions to act. The advice is lender-agnostic as it does not relate specifically to solicitors on the Rooftop Mortgages conveyancing panel. The recommendation arises from the practice of a number of mortgage lenders who remove solicitors from their panels without prior notice as part of their panel management system, which can lead to some solicitors discovering this only once instructed. This is sensible advice as a client finding out midway through a transaction that their lawyer is not on the approved lender panel is very frustrating and can lead to complaints. Many online consumer forums contain posts where someone is complaining about finding that their lawyer is not on a lender conveyancing panel. Such forums include
Am I obliged, being on the Rooftop Mortgages conveyancing panel, to carry out a flood 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 borrower.

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. Does your ROT and Ts and Cs cover this?

A leading search supplier lists over 65 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 contact your search provider or call one of the leading search companies such as Searches UK.

We had our Rooftop Mortgages panel membership suspended but we have not yet been given an explanation yet. I am completing a CQS renewal form what details should I disclose?
In the circumstances please explain on the application what action you have taken to find out the reasons behind cancellation of your Rooftop Mortgages panel status. In particular please provide details if you have received communications from the lender. E.G. before termination of your panel membership did you receive any letters or calls from the lender informing you as to why they reached this decision?
I am on the Rooftop Mortgages conveyancing panel and due to complete a remortgage within the next week. My file does not contain a Legal Charge for the client to sign. Who do I contact at Rooftop Mortgages to obtain duplicate documents?
You need to contact Rooftop Mortgages to obtain standard documents. The The Council of Mortgage Lenders Handbook incorporates an express inquiry for banks to set out who to contact to obtain standard documents. Always remember to disclose your Rooftop Mortgages solicitors panel reference.

Recent Changes Include

# Date Assoc. Changes Related To
6.14.3 01/12/2014 CML
10.9 01/12/2010 CML
3.2.4 01/12/2010 CML
5.15.2d 01/12/2010 CML
5.4.4 01/12/2010 CML
5.5.1a 01/12/2010 CML
14.2.1 13/10/2009 CML
16.4.1 13/10/2009 CML
16.5.2 13/10/2009 CML
17.1.1 13/10/2009 CML

Last update 17/02/2019

Please note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors