> First Title's Residential Loan Protection Policy not only gives you protection beyond that given by a solicitor's certificate, it can also remove barriers and make your client's home refinancing safe and easy.

> Why would a lender accept a Title Insurance policy instead of a solicitor's certificate?

If a mortgage can not be registered in the correct priority or if it becomes or is claimed to be unenforceable, with a solicitors certificate the lender at present has to prove negligence before it can recover against a lawyer.

Claiming against a lawyer has risks and costs that may not always be recovered. Apart from the cost in administrative time as well as legal costs, there is always a litigation risk - the lawyer may not have actually been negligent. There is also the payment risk if the lawyer is not insured.

Compare this to simply making a no fault claim under a policy against an insurer rated A+ (Superior) by A. M. Best and backed by reinsurance with its parent, the largest insurer of its type internationally who is rated A+ by Standard & Poor’s.

> Will the title insurance policy cover all the things contained in a Solicitor's certificate?
> Can a lender insure a pool of existing mortgages it is purchasing?
> Can we insure our mortgages when refinancing?
> Will a title insurance policy guarantee enforceability of a mortgage?
> Will a title insurance policy cover any loss on sale if there is a defect in the property?
> What will the title insurer do to ensure I get a registered mortgage?
> How will the changes to the Law Practitioner's Act affect a title insured lender?
> How does title insurance cover fit in with Lender's Mortgage Insurance?
> What are the risks covered?