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approved by Capital Home Loans
Ready to buy a new home? Failing to check that a lawyer is on the Capital Home Loans list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?
How does my firm apply to be on the Capital Home Loans Conveyancing Panel? How can my firm be reinstated onto the Capital Home Loans Conveyancing Panel?Find an Approved Solicitor on the Capital Home Loans Conveyancing Panel
FAQs for the Capital Home Loans Conveyancing Panel
The conveyancer I wanted to use for conveyancing on a purchase said he will levy higher legal fees if my lender is because of their unusual legal requirements. Will I regret using Capital Home Loans? Is Capital Home Loans conveyancing so much more difficult?
Capital Home Loans conveyancing requirements for their panel are no better or no more complicated than most lenders.
It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender.
It is not clear if your lawyer is on the Capital Home Loans conveyancing panel. If they are not, this does add further risk of delay as Capital Home Loans will appoint their own solicitors to look after their interest.
Our property lawyer is asking me for ID documents stating that this forms part of his obligations as a conveyancer on the Capital Home Loans Conveyancing panel. Am I being spun a yarn?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Client Care letter that you need to sign will no doubt confirm this. Your lawyer is right that Capital Home Loans also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with Capital Home Loans CML Handbook requirements last updated on Capital Home Loans
Do all the firms listed on your search have online case tracking as I understood that this was a condition of being on the Capital Home Loans conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
I am selling my house. Does my solicitor have to be on the Capital Home Loans conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Capital Home Loans conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
I have paid off my mortgage with Capital Home Loans. I assume I don't need a solicitor on the Capital Home Loans panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Capital Home Loans mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Capital Home Loans mortgage from the register. Capital Home Loans,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the Capital Home Loans has sent the Land Registry the discharge electronically, and
the Capital Home Loans has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Capital Home Loans mortgage has been paid off.
The for formalities of my purchase has taken place with a mortgage from Capital Home Loans. Conveyancing was a necessary evil but I would like to complain about Capital Home Loans. Who do I contact should I wish to lodge a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the Capital Home Loans branches or the Customer Care Department at Capital Home Loans head office. In most cases complaints to Capital Home Loans are resolved very quickly. However if you are not satisfied that the matter is resolved you can write to the
Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
I was told three weeks ago that my mortgage has been agreed
to by Capital Home Loans. Is it usual for Capital Home Loans to only issue the offer once my
solicitor is approved on their conveyancing panel?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Capital Home Loans to deal with your lawyers application to be on the Capital Home Loans conveyancing panel. There's no guarantee that your solicitors will be accepted.
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Transfer of Equity for Capital Home LoansPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors