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approved by Godiva Mortgages

Ready to buy a new home? Failing to check that a lawyer is on the Godiva Mortgages list of approved solicitors can put your transaction at risk of delay or failure.

Find an Approved Solicitor on the Godiva Mortgages Ltd Conveyancing Panel

Q and A’s regarding the Godiva Mortgages Conveyancing Panel

For what reasons would a firm of solicitors be excluded from the Godiva Mortgages solicitor panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of law firms had been removed from a lender panel. The top reasons in order are :
  1. Low volume of transactions
  2. the lawyer is a sole practitioner
  3. as part of the HSBC panel reduction
  4. regulatory contact by SRA
  5. accidental removal. We are not aware of the specific or common criteria for removal by Godiva Mortgages
I do hope you can help me. My conveyancer is assuring me that he has to conduct a Local Authority search as the firm are on the Godiva Mortgages approved lawyer panel. Do I not have a choice here?
Unfortunately both you and your lawyer have little choice here. As you are taking a mortgage with Godiva Mortgages your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Godiva Mortgages’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Godiva Mortgages. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
What tools are available to find a local solicitor on the Godiva Mortgages 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 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 Godiva Mortgages solicitor panel.
I am attempting to get my ex-wife removed the mortgage deeds. Can Godiva Mortgages really tell me which solicitor I can or can not use?
You can use any solicitor you like but Godiva Mortgages then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Godiva Mortgages solicitors panel
Do conveyancing lawyers on the Godiva Mortgages conveyancing panel work on a no sale no fee basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
Do most lenders operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Godiva Mortgages conveyancing panel requirements are different to Godiva Mortgages’s conveyancing panel requirements.
I have a mortgage with Godiva Mortgages. Conveyancing has been completed some time ago. If I am intending to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a BTL mortgage or inform Godiva Mortgages?
Your original mortgage agreement with Godiva Mortgages will provide that you need their approval in advance of letting out your property as this is likely to be a breach of Godiva Mortgages’s mortgage conditions. It may be that Godiva Mortgages will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Godiva Mortgages directly. You need not do this via a Godiva Mortgages conveyancing panel lawyer.