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Capital Home Loans Conveyancing Panel Recently Asked Questions
My husband and I are hoping to buy a 2 bedroom flat in Leeds with a mortgage from Capital Home Loans. We would like to retain our solicitor but Capital Home Loans says she’s not on their "panel". It seems we have little choice but to instruct one of the Capital Home Loans panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Capital Home Loans use our lawyer?
Unfortunately,no. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Capital Home Loans conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your lawyer to apply to be on the conveyancing panel for Capital Home Loans
I am due to complete my purchase next Thursday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as as he informs me that he is duty bound to validate that it is in order for Capital Home Loans. What risks do Capital Home Loans expect the insurance to cover?
Any lawyer on the Capital Home Loans conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Capital Home Loans’s Part 2 requirements of the CML Handbook (last updated on Capital Home Loans). Being on the Capital Home Loans conveyancing panel your lawyer is expect to follow these instructions.
I note that you have a post code search directory identifying firms on the Capital Home Loans conveyancing panel. Do firms pay you a referral fee if I instruct them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Capital Home Loans conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
My grandmother passed away last year and as sole heir and executor was left the house. The house had a relatively small loan left on it of around £4500. I want to have the title changed into my name whilst I re-mortgage to Capital Home Loans , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Capital Home Loans will insist on your using a conveyancer on the Capital Home Loans 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 Capital Home Loans 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 Capital Home Loans mortgage is registered as a charge at the Land Registry.
After much negotiation I have agreed a price on an apartment. My mortgage broker pressured me to appoint their lawyers I paid an upfront payment of 225. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Capital Home Loans conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Capital Home Loans panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I am due to exchange contracts on my flat. I had a double glazing fitted in month 7 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Capital Home Loans are being difficult. The solicitor who is on the Capital Home Loans conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Capital Home Loans are insisting on a building regulation certificate. Why do Capital Home Loans have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Capital Home Loans have referred the matter to their valuer. The reason why Capital 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.
Intending to buy a flat with a mortgage with Capital Home Loans. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Capital Home Loans 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 Capital Home Loans conveyancing panel
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