Find an Approved Solicitor on the Capital Home Loans
Common questions asked concerning the Capital Home Loans Conveyancing Panel
My mortgage broker has has requested my lawyer’ panel member for the Capital Home Loans conveyancing panel. What is the best way to find this out. I have contacted my local Capital Home Loans branch but they don't know it.
You are best placed to get this information from your conveyancing lawyer. They should have a central record lender panel numbers including the Capital Home Loans panel reference.
I am purchasing a newly constructed flat and my lawyer is informing me that she has to reveal incentives from the seller as her firm is on the Capital Home Loans conveyancing panel. I am under pressure to exchange contracts and I have no desire to prolong deal. Can I insist on an exchange regardless of what my lawyer says about being on the Capital Home Loans panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Capital Home Loans approved panel is to comply with the CML Handbook requirements (last updated for this lender on Capital Home Loans). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
How do I find a local solicitor on the Capital Home Loans conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the lawyer.
Feel free to make use of the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Capital Home Loans solicitor panel.
My uncle passed away last year and as sole heir and executor was left the property. The house had a small mortgage remaining of approximately £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Capital Home Loans , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Capital Home Loans will insist on your using a conveyancer on the Capital Home Loans conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Capital Home Loans conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Capital Home Loans mortgage is registered as a charge at the Land Registry.
I am buying a property where the roof has a solar panel. Capital Home Loans have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Capital Home Loans your lawyer must to check the Capital Home Loans conveyancing instructions contained in the Part of CML Handbook for Capital Home Loans . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Capital Home Loans where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
We expect to receive a DIP from Capital Home Loans this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Capital Home Loans recommend a solicitor on the Capital Home Loans conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the Capital Home Loans conveyancing panel. The solicitor represents both you and the Capital Home Loans through the process.
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a Capital Home Loans conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to Capital Home Loans. Every solicitor firm and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.
The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.
If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.