Recent Mortgages, Lenders and Government Schemes
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NewsUK Finance to move the Mortgage Lenders' Handbook to a new webpage
UK Finance will be moving the Mortgage Lenders’ Handbook to a new webpage on 29 July 2020.
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FeatureLend an ear
Peter Rodd reports on the results of a survey about the challenges conveyancers face when working with mortgage lenders
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NewsLand Registry publishes updated guidance on digital mortgages
Land Registry has updated its guidance pages on digital mortgages. There are three guides - for homeowners, mortgage lenders and conveyancers
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FeatureLending weight
How is Brexit affecting mortgage lenders, and clients and investors buying with mortgage finance? Paresh Raja provides a personal perspective
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FeatureLending a hand
In April, Peter Rodd chaired a roundtable event with six of the major lenders, between them representing over 50% of the current mortgage market. How can solicitors and lenders work better together to make the process quicker and simpler?
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FeatureBrick by brick
Self- and custom-build are becoming increasingly common. Charlie Blagbrough argues that this development could reinject diversity into house building and supply, and explains how the lending process works in this market
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FeatureSupport system
Russell Hewitson, chair of the Conveyancing and Land Law Committee, provides an update on the committee’s work representing and supporting the profession, including around leasehold, fraud and the electronic execution of documents
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FeatureSigned, sealed, delivered
As part of our regular series from HM Land Registry, Joy Bailey provides an update on the execution of deeds or documents using electronic signatures
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FeatureIn the family
The ‘Bank of Mum and Dad’ is now one of the top 10 mortgage lenders. So how should you advise clients receiving funds from family, and when should you advise them to consult a family lawyer? Jo Edwards , Jamie Gaw and Anna Jassani explain.
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FeatureBreathing room
As of 20 June 2016, the deadline for telegraphic transfers of funds – also known as CHAPs payments – will be extended by one hour and 40 minutes. Thom Wilkinson explains the implications of the change for practitioners
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AnalysisDishonest discharge
The High Court has ruled that Land Registry can sue conveyancers for mortgage representations - a reminder of the care that needs to be taken when making representations, says Peter Reekie
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AnalysisProperty Section committee end of year review
We speak to Property Section committee members Myfanwy McDonagh and Philip Askew, and chair of the land law and conveyancing committee Warren Gordon, about their experiences of 2015, and what’s on the horizon for 2016
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AnalysisSpotlight: E.Surv v Goldsmith Williams [2015] EWCA Civ 1147
Kevin O’Brien, director and head of lender services at JCP Solicitors, comments on this recent Court of Appeal decision, likely to be of particular interest to lenders, and to solicitors acting for lenders
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AnalysisThe right to an indemnity: Swift reaches the Court of Appeal
In what circumstances may registered chargees be entitled to an indemnity under schedule 8 to the Land Registration Act 2002?
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News
Implementation of the mortgage credit directive: Law Society response
The Law Society has responded to the Financial Conduct Authority’s (FCA) proposals for the implementation of the European Mortgage Credit Directive (MCD).
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FeatureNo good advice
The risks attached to giving independent legal advice are well known throughout the profession. But, as Stephen Boyle warns, in attempting to limit their exposure to giving advice, firms are not actually managing the risks at all, but leaving themselves open to litigation
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AnalysisSpotlight: Charalambous v Ng
In yet another twist in the tale of tenancy deposits, the Court of Appeal has been presented with another scenario not clearly addressed by the relevant legislation or existing case law
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AnalysisSpotlight: Co-operative Bank plc v Phillips
The High Court has considered the circumstances in which possession proceedings commenced by a lender will be considered collateral to its powers.
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News
Law Society raises concerns over Lender Exchange
The Law Society has raised concerns over the new Santander Conveyancing Panel Portal, now known as Lender Exchange
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NewsNew mortgage rules came into force on 26 April
Homebuyers will face tougher checks before being granted a mortgage, under the changes that came into force on 26 April, folloeing the FCA’s mortgage market review