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Ready to buy a new home? Failing to check that a lawyer is on the Platform HL 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 Platform Home Loans Ltd Conveyancing Panel? How can my firm be reinstated onto the Platform Home Loans Ltd Conveyancing Panel?Find an Approved Solicitor on the Platform Home Loans Ltd Conveyancing Panel
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It has come to my attention via my estate agent that my the law firm I have appointed is not on the Platform Home Loans Solicitor panel. How can I be certain that this is indeed the case?
The best course of action for you to take is to contact your lawyer directly. You lawyer should advise you what has happened. If they are not on the panel they may recommend you to a firm that is on the conveyancing panel for Platform Home Loans.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Platform Home Loans will not agree to this. Why was Platform Home Loans even consulted?
Your lawyer being on the Platform Home Loans conveyancing panel is duty bound to inform Platform Home Loans of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Platform Home Loans then they would have to discontinue acting for you and Platform Home Loans.
Your search tool is useful but there are many lawyers listed near Middlesbrough on the Platform Home Loans conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the Platform Home Loans approved panel?
We are not in the business of recommending one firm above another 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. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
What happens if my solicitor is removed from the Platform Home Loans Conveyancing panel prior to completion?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
I have paid off my mortgage with Platform Home Loans. I assume I don't need a solicitor on the Platform Home Loans panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Platform Home Loans 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 Platform Home Loans mortgage from the register. Platform Home Loans,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 Platform Home Loans has sent the Land Registry the discharge electronically, and
the Platform Home Loans has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Platform Home Loans mortgage has been paid off.
For 5 years I had a mortgage with Platform Home Loans. My uncle has just retired and wants to pay off my mortgage. After Platform Home Loans is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Platform Home Loans conveyancing panel? I do not intend to live at the property once the Platform Home Loans mortgage is discharged.
Although you do need to retain the services of a lawyer they dont
need to be on the Platform Home Loans panel.
You will need a solicitor to draw up the transfer and
to deal with the Land Registry formalities. The only thing you need to
consider is that by selling at an undervalue so ask your lawyer about
the implications. There could be an inheritance tax issue if you die
within 7 years of this. As the property is your main residence you need
not pay CGT but you should speak with your accountants in any event.
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 lender, Platform Home Loans are being pedantic. The solicitor who is on the Platform Home Loans conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Platform Home Loans are insisting on a building regulation certificate. Why do Platform Home Loans have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Platform Home Loans have referred the matter to their valuer. The reason why Platform Home Loans 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.
Other Topics
Transfer of Equity for Platform Home LoansPlease note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors