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approved by Capital Home Loans

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.

Any lawyer on the Capital Home Loans conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Capital Home Loans’s Part 2 requirements of the CML Handbook (last updated on Capital Home Loans). Being on the Capital Home Loans conveyancing panel your lawyer is expect to follow these requirements.

Feel free to make use of the find a conveyancing panel search on this website. 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.

It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Capital Home Loans Conveyancing Panel Terms. It might be worth you contacting Capital Home Loans directly.

We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.

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.

Capital Home Loans will need an independent valuation of the property. Your lawyer will not arrange this. Usually Capital Home Loans will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Capital Home Loans you could contact your them to see if they have a list of approved surveyors.