FAQs : The Gen H Solicitor Panel
from members of the public
Much to my surprise I have been told by my broker that my property lawyer is not on the Gen H Conveyancing panel. How can I be certain that this is indeed the case?
You need to contact your conveyancer. You lawyer should advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for Gen H.
My conveyancer has discovered a discrepancy when comparing the surveyor’s assumptions in Gen H’s home valuation report and what is revealed within the conveyancing documents. My solicitor says that as he is on the Gen H conveyancing panel he needs to check that the lender is with this discrepancy and is content go ahead. Is my conveyancer’s stance correct?
A precondition to being on the Gen H approved panel is to comply with the CML Handbook requirements (last updated for this lender on Gen H) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
Do lenders provide you with an approved list of solicitors? How do you know who is on the Gen H conveyancing panel?
The firms themselves provide us confirmation that they are on the Gen H conveyancing panel as opposed to being supplied with a list from Gen H directly.
I am buying a garden flat and getting a mortgage with Gen H. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Gen H conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Gen H conveyancing panel in your location.
I previously instructed online conveyancers based in Birmingham who are on the Gen H solicitor panel. They have just invoiced me a separate fee of £195 for dealing with the Gen H mortgage. Is this a supplemental conveyancing fee specified by Gen H?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Gen H but by your lawyers. Some firms on the Gen H will charge an ‘acting for lender’ fee and others do not.
I have paid off my mortgage with Gen H. I assume I don't need a solicitor on the Gen H panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Gen H 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 Gen H mortgage from the register. Gen H,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 Gen H has sent the Land Registry the discharge electronically, and
the Gen H has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Gen H mortgage has been paid off.
After much negotiation I have agreed a price on a house. My financial adviser pressured me to appoint their lawyers I paid an upfront payment of 150. Soon after the conveyancers contacted me sheepishly admitting that they were not on the Gen H 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 Gen H 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.