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approved by Habito
Ready to buy a new home? Failing to check that a lawyer is on the Habito list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?How does my firm apply to be on the Habito Conveyancing Panel? How can my firm be reinstated onto the Habito Conveyancing Panel?
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Habito Conveyancing Panel : Questions and Answers
A lawyer my fiance and I had intended to instruct on a purchase said he will levy higher legal fees if my lender is due to their unusual legal requirements. Am I likely to be frustrated using Habito? Any comments will be appreciated
Habito 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 Habito conveyancing panel. If they are not, this does add further risk of delay as Habito will appoint their own solicitors to look after their interest.
Our lawyer has identified a defect with the lease for the property we are purchasing. The seller’s lawyers have offered defective title insurance as a workaround. We are content with insurance and will pay for it. Our lawyer has advised that as he is on the Habito conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Habito?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Habito are the client. A precondition to being on the Habito approved panel is to comply with the CML Handbook requirements (last updated for this lender on Habito). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Habito can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Whilst your website is a good idea there are many lawyers listed near London on the Habito conveyancing panel. Can you recommend a specific firm on the Habito approved panel?
We do not recommend specific firms as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I am attempting to get my ex-husband taken off the mortgage deeds. Can Habito really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but Habito 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 Habito solicitors panel
We were going to get a DIP from Habito this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc).Do the Habito recommend a solicitor on the Habito 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 Habito conveyancing panel. The solicitor represents both you and the Habito through the process.
We have agreed a price on a apartment I spoke to a solicitor previously used by my uncle and he recommended using a property lawyers approved by Habito. The estate agent recommended two local firms so I asked Habito if the 2 suggested solicitors are approved, which they are not. Habito suggested that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Habito 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Habito for conveyancing panel firms in your area. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Habito conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Habito conveyancing panel as it may only take about 2-3 weeks. As long as they meet Habito’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
After shopping around on the internet I have found a solicitor having checked that they are on the Habito conveyancing panel. Does my lawyer arrange the survey of the property? Or Having read lots of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Habito conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Habito will need an independent valuation of the property. Your lawyer will not arrange this. Usually Habito 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 Habito you could contact your them to see if they have a list of approved surveyors.