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Zephyr Mortgages Solicitor Panel: Recently Asked Questions
my firm is on the Zephyr Mortgages conveyancing panel. Can I get an archived copy of a Zephyr Mortgages Part 2 from the CML?
The CML do not retain data sets of P2 conditions pre-December 2010. We would recommend you make a request of Zephyr Mortgages directly.
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 click
here.
Why are Estate Agents using search tools to check if lawyers are on a lenders conveyancing panel?
Many estate agents are 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.
I understand that Zephyr Mortgages could request or audit my files as I am on the
Zephyr Mortgages conveyancing panel. What do I do if I receive such a request?
We can't comment specifically on
Zephyr Mortgages. Many major lenders are now introducing ‘file auditing’ as standard practice in relation to completed matters. This raises questions of confidentiality in relation to the buyer client and the purpose to which the results of such audits will be put. The starting point is to remember that the file does not belong to your firm, it belongs to the ‘client’. But, of course, we will normally have two clients – the buyer and the lender - and you will owe a duty of confidentiality to each. So basically, you have to separate the file and just send the lender the parts solely relating to themselves. But, of course, as this will basically be correspondence with the lender, mortgage instructions etc.
Check with your COLP but a firm should not send the complete conveyancing file without the buyer client’s express consent – and if she is in arrears with the lender he is hardly likely to agree. However, if the lender can establish a prima facie case of fraud, then you may be under an obligation to disclose the whole file.
The emerging convention is that lenders are including an authority to disclose in loan application forms to counter this problem. Mortgage Express v Sawali, [2010] EWHC 3054 (Ch) indicates that such provisions are valid. Please click here for more information about that case.
My partners and I run a small firm on the Zephyr Mortgages conveyancing panel. Do you have ideas as to how we can market our practice as specialists in conveyancing in Hendon on the Zephyr Mortgages panel?
7 consumers search for a conveyancer on the Zephyr Mortgages panel on a monthly basis in Hendon. Feel free to contact the Lexsure team who will tell how your firm can be found by those searching for conveyancing in Hendon.
Should CQS accreditation secure 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 CQS as the starting point for Panel acceptance as is the case with Santander.
I am on the
Zephyr Mortgages
conveyancing panel and scheduled to complete a purchase within the next few weeks. My file does not contain a Legal Charge for the client to execute.
Who do I contact at Zephyr Mortgages to request substitute deeds?
You would be advised to get in touch with Zephyr Mortgages
to obtain standard documents. The CML Handbook includes an individual section for lenders to cite who to contact to obtain standard documents.
Zephyr Mortgages in their Part 2’s state:
Don’t forget to disclose your Zephyr Mortgages conveyancing panel reference.
Find a Lawyer on the Zephyr Mortgages Conveyancing Panel
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Average number of days to register title including a charge in favour of Zephyr Mortgages
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 Zephyr Mortgages Firms
- Draft Report on Title precedent for Zephyr Mortgages borrowers
- Draft Anti Money Laundering PolicyTemplate for Zephyr Mortgages panel firms to consider
- Dealing with Lender Policy Template panel for CQS accredited firms on the Zephyr Mortgages lender panel
- Buy-to-Let help for Zephyr Mortgages
- Consent-to-Let help for Zephyr Mortgages
- Contractor Mortgages with Zephyr Mortgages
