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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.
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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
Capital Home Loans Conveyancing Panel : Questions and Answers
My Solicitor has never been on on the Capital Home Loans Solicitor Panel. Can I still retain my family solicitor notwithstanding that they are not on the Capital Home Loans approved list?
You will need to have a conveyancer complete the legal work required when you take out a Capital Home Loans mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Capital Home Loans conveyancing panel additional costs will be incurred as separate legal representation will be required by Capital Home Loans. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Our lawyer has informed me that he requires ID documents saying that this is part of his obligations as a solicitor on the Capital Home Loans Solicitor 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 Terms and Conditions 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
Having used your search tool I can't find the lawyer I was hoping to instruct as being on the Capital Home Loans conveyancing panel. My lawyer has said that they are on the Capital Home Loans approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Capital Home Loans conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Capital Home Loans solicitor panel.
I am considering mortgaging my property does my lawyer have to be on the Capital Home Loans Conveyancing panel?
There is nothing to stop you using your solicitor but Capital Home Loans will insist on their interests being represented by a firm on their conveyancing panel. There is greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
Can you point me to a directory of Capital Home Loans panel solicitors on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
Why might a lender such as Capital Home Loans withdraw a mortgage offer?
Banks and Building Societies such as Capital Home Loans can revoke their mortgage offer although this rarely happens. If Capital Home Loans withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are a few examples:
- Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Capital Home Loans conveyancing panel solicitors would be obliged to notify Capital Home Loans of a change in the price of the property.
- Where to proceed with the Mortgage offer would be unlawful
- Following advice from the valuer on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
- Where the sale is not at arms length for value to unconnected persons
- If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
We are are purchasing a penthouse in Hendon. Conveyancing solicitors in Hendon will soon begiven the go-ahead. My colleaguerecommended that we check that the solicitor in Hendon is on the Capital Home Loans approved list of lawyers. Aren't all lawyers on the Capital Home Loans panel?
Far from all Hendon conveyancing firms are on the Capital Home Loans conveyancing panel. Click here to search for a Hendon conveyancing firm on the on the Capital Home Loans list of approved conveyancing firms.
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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