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Holmesdale Building Society Conveyancing Panel : Questions and Answers
I have been advised by my broker that I have to pay Holmesdale Building Society fees if I use my own solicitor. How good are the Holmesdale Building Society conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH as long as they're good and reasonably priced. Would you recommend a specific law firm on the Holmesdale Building Society panel?
Holmesdale Building Society’s conveyancing panel is substantial so your best bet is just to check with the firms you are getting quotes from that they are on the panel. You can search by postcode on the search tool on this site to find solicitors that Holmesdale Building Society will allow to act for them.
I am buying a newly constructed apartment and my solicitor is informing me that she is duty bound to reveal incentives from the developer as her practice is on the Holmesdale Building Society conveyancing panel. I am under pressure to exchange and I dont want to delay matters. Can I insist on an exchange regardless of what my lawyer says about being on the Holmesdale Building Society panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Holmesdale Building Society approved panel is to comply with the CML Handbook requirements (last updated for this lender on Holmesdale Building Society). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I am Googling for conveyancing quotes online. Can I be confident that all the law firms that are listed on your directory are on the Holmesdale Building Society conveyancing panel?
The law firms on our directory have assured us via an online form that they are on the Holmesdale Building Society panel and agreed to advise us to take down their listing in the event of removal off of the Holmesdale Building Society panel. To date we have not been informed by either a lender or a member of the public that the data about a specific firm being on the Holmesdale Building Society conveyancing panel is not accurate.
I am selling my house. Does my solicitor have to be on the Holmesdale Building Society conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Holmesdale Building Society conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Is it the case that all conveyancing solicitors on the Holmesdale Building Society conveyancing panel work on a no sale no fee basis?
There is generally no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Holmesdale Building Society. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Holmesdale Building Society you will need to appoint a solicitor on the Holmesdale Building Society conveyancing panel.
I am due to exchange contracts on my flat. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Holmesdale Building Society are being pedantic. The solicitor who is on the Holmesdale Building Society conveyancing panel is recommending indemnity insurance as a solution but Holmesdale Building Society are requiring a building regulation certificate. Why do Holmesdale Building Society have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Holmesdale Building Society have referred the matter to their valuer. The reason why Holmesdale Building Society 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.