For some of our products we include the free standard legal fee service. Check that your clients are eligible for this service and that none of the exclusions apply.
What's included
The free standard legal service is available for properties in England, Wales and mainland Scotland (unless otherwise stated) on selected purchase and remortgage products. It isn't available where applicants wish to choose their own solicitor. You can refer to the product finder for eligible products and further information.
Eligibility criteria
We'll pay the standard legal fees for your client's property where:
- The nominated conveyancer will be acting and providing a service for The Mortgage Works and only deals with the legal aspects of your mortgage
- The registered legal title held at the Land Registry is under the name of the applicant, with no parties being added to or removed from the property's legal title
- No existing secured loans will remain on the property after our mortgage starts
- The property's legal title is freehold or leasehold
Non-standard cases and additional costs
Some scenarios won't be eligible for the free legal fee service, and could require a separate legal firm to act (at the cost of the applicant) in conjunction with the remortgage transaction. Examples include:
- Cases which include lease extensions or changes
- Inherited properties
- Properties with 5 or more storeys
- Cases where the valuer raises concerns about fire safety.
These examples are not exhaustive. You can refer to our full list of non-standard fees that your client may have to pay.
Download our free standard legal fee guide and provide a copy of this guide to your client. The acting conveyancer will send your client a full list of any non-standard fees in the initial instruction letter.
Choosing a different solicitor
If your client decides not to use the conveyancer selected by us and/or takes independent legal advice, this will not be covered under a free standard legal fee service scheme. In this instance, your client will need to select an alternative product, which could incur additional fees.
Guides and downloads
Use the guides below for information about the free standard legal fee service and any additional fees that may apply to standard products.
England and Wales guides
Scotland guides
Limited Company guides
The Mortgage Works reserves the right to request further information if deemed necessary.
