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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

Common questions asked concerning the Godiva Mortgages Solicitor Panel

A solicitor my husband and I had intended to instruct on a remortgage said he would charge more if my mortgage is with Godiva Mortgages due to their unusual legal requirements. Am I likely to be frustrated using Godiva Mortgages? Any comments will be appreciated
Godiva Mortgages 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 Godiva Mortgages conveyancing panel. If they are not, this does add further risk of delay as Godiva Mortgages will appoint their own solicitors to look after their interest.
My lawyer has uncovered a discrepancy when comparing the surveyor’s assumptions in Godiva Mortgages’s home valuation survey and what is revealed within the legal papers for the property. My solicitor informs me that as he is on the Godiva Mortgages conveyancing panel he must check that the lender is happy with this discrepancy and is content go ahead. Is my conveyancer’s stance legitimate?
A precondition to being on the Godiva Mortgages approved panel is to comply with the CML Handbook requirements (last updated for this lender on Godiva Mortgages) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
Do lenders provide you with an approved list of solicitors? How do you know who is on the Godiva Mortgages conveyancing panel?
The firms themselves provide us confirmation that they are on the Godiva Mortgages conveyancing panel as opposed to being supplied with a list from Godiva Mortgages directly.
I was supposed to complete on my first house last Friday. My solicitor is on the Godiva Mortgages conveyancing panel but has changed address 8 weeks ago and had not informed Godiva Mortgages of their new address. Godiva Mortgages has locked down the release of mortgage funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Godiva Mortgages branch or your mortgage broker to see if they can help.
I have decided to exercise my right to buy my property off the council. I have a mortgage offer with Godiva Mortgages. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Godiva Mortgages you will need to appoint a solicitor on the Godiva Mortgages conveyancing panel.
I have a mortgage with Godiva Mortgages. Conveyancing was finalised some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Godiva Mortgages?
Your original mortgage agreement with Godiva Mortgages will provide that you need their approval before renting your property as this is likely to be a breach of Godiva Mortgages’s mortgage conditions. It may be that Godiva Mortgages will permit you to let 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 solicitor.
My offer was accepted on a house on the 17th January 2014, valuation was booked 3 days later, received a clean bill of health. Property lawyer appointed, so all that was missing was my mortgage offer. Having made daily calls to Godiva Mortgages and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Godiva Mortgages conveyancing panel. Can the lender hold off the offer?
A lender would not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Godiva Mortgages to deal with your lawyers application to be on the Godiva Mortgages conveyancing panel. There's no guarantee that your solicitors will be accepted.