Find an Approved Solicitor on the Habito
Frequently asked questions relating to the Habito Conveyancing Panel
My fiance and I are first time buyers. Within the last couple of days our solicitor has sent a preliminary report and documents to look through with a view to exchanging next week. Habito have this afternoon contacted us to advise us that there is now an issue as our lawyer is not on their approved list of lawyers. What do we do from here?
If you are buying a property with the assistance of a mortgage it is usual for the purchaser's solicitors to also act for the purchaser's lender.
In order to act for a bank or building society a law firm has to be on that lender's conveyancing panel. An application has to be made by the law firm to the lender to become a member of the lender's panel and there are increasingly strict criteria which the firm has to satisfy and indeed some lenders now require their panel members to be part of the Law Society’s Conveyancing Accreditation Scheme.
Your property lawyers should contact Habito and see if they can apply for membership of the Habito conveyancing panel, but if that is not viable Habito will instruct their own lawyers to represent them. You are not legally obliged to appoint a law firm on the Habito conveyancing panel and you may continue to use your own solicitors, in which case it will likely add costs, and it will likely delay the transaction as you have another set of people involved.
Much to my surprise my conveyancer has requested from me personal identification documents saying that this forms part of his requirements as a conveyancer on the Habito Solicitor panel. Am I being spun a yarn?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Client Care letter that you need to sign will no doubt confirm this. Your lawyer is right that Habito also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with Habito CML Handbook requirements last updated on Habito
What tools are available to find a local solicitor on the Habito conveyancing panel? I have a car and am prepared to travel up to 20 kilometers to meet the solicitor.
You can use 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 Habito solicitor panel.
We're in London, First time buyers purchasing with a mortgage (lender is Habito , but our lawyer is on the Habito conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Habito conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Are all Conveyancing Quality Solicitors on the Habito conveyancing panel?
It is true that some banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS accreditation however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to join their panels.
Two weeks ago we had a mortgage agreed in principle with Habito. Solicitors have been appointed? What is the average time that one could expect to receive a mortgage offer from Habito?
There is no definitive answer here. Have Habito completed the valuation? Have you advised Habito as your lawyers details and checked that your lawyer is on the Habito conveyancing panel? It is not unusual for a mortgage offer to take a month to come through
I am selling my house. I had a double glazing fitted in month 2010 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Habito are being a right pain. The solicitor who is on the Habito conveyancing panel is recommending indemnity insurance as a solution but Habito are insisting on a building regulation certificate. Why do Habito have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Habito have referred the matter to their valuer. The reason why Habito may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.