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approved by Hampden
Ready to buy a new home? Failing to check that a lawyer is on the Hampden list of approved solicitors can put your transaction at risk of delay or failure.
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How does my firm apply to be on the Hampden & Co plc Conveyancing Panel? How can my firm be reinstated onto the Hampden & Co plc Conveyancing Panel?Find an Approved Solicitor on the Hampden & Co plc Conveyancing Panel
Hampden Conveyancing Panel : Questions and Answers
My Conveyancer is not on the Hampden Conveyancing Panel. Can I still retain my preferred solicitor notwithstanding that they are not on the Hampden panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Hampden 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 Hampden conveyancing panel additional costs will be incurred as separate legal representation will be required by Hampden. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Our conveyancer has uncovered a defect with the lease for the property we are buying. The seller’s lawyers have suggested defective title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer says that as he is on the Hampden conveyancing panel he must check that the lender is happy with this solution. Are we the client or is Hampden?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Hampden are the client. A precondition to being on the Hampden approved panel is to comply with the CML Handbook requirements (last updated for this lender on Hampden). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Hampden 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.
I am purchasing a house and need a conveyancing solicitor in Manchester who is on the Hampden approved. Could you point me in the right direction as regards a conveyancing firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Hampden . We don’t recommend any particular firm.
My grandmother passed away six months ago and as sole heir and executor was left the house. The house had a relatively small loan remaining of approximately £8000. I want to have the title changed into my name whilst I re-mortgage to Hampden , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Hampden will insist on your using a conveyancer on the Hampden conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Hampden conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Hampden mortgage is registered as a charge at the Land Registry.
We expect to receive a DIP from Hampden 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 Hampden recommend a solicitor on the Hampden conveyancing panel, or is it better to go independently
You will need to appoint solicitors independently although you'll need to choose one on the Hampden conveyancing panel. The solicitor represents both you and the Hampden through the process.
I have today made my last payment due on mortgage with Hampden. I assume I don't need a solicitor on the Hampden panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Hampden mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Hampden mortgage from the register. Hampden,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the Hampden has sent the Land Registry the discharge electronically, and
the Hampden has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Hampden mortgage has been paid off.
Intending to buy a house with a mortgage with Hampden. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Hampden conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Hampden conveyancing panel
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