Frequently asked questions relating to the Godiva Mortgages Conveyancing Panel
from members of the public
I am expecting a mortgage with Godiva Mortgages. I intend to use a Licensed Conveyancer. Does the Godiva Mortgages Conveyancing panel exclude conveyancers regulated by the CLC
Godiva Mortgages’s approved solicitor list is, like many other lenders represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the CLC.
We are nearing an exchange and my parents having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Godiva Mortgages. I am advised that, being on the Godiva Mortgages conveyancing panel and acting on their behalf he must inform Godiva Mortgages if the balance of the mortgage advance is coming from anyone other than me. I advised the bank about my parent’s contribution when I applied for the home loan so is it really necessary for this now to be an issue?
Your lawyer is obliged to check with Godiva Mortgages to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Godiva Mortgages if you agree, failing which, your lawyer must cease to continue acting.
I am purchasing a house and require a conveyancing solicitor in Newcastle who is on the Godiva Mortgages conveyancing. Can you recommend a local firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for Godiva Mortgages . We don’t recommend any particular firm.
I am attempting to get my ex-wife taken off the mortgage deeds. Can Godiva Mortgages really insist on which solicitor I can or can not use?
You can use any solicitor you like but Godiva Mortgages then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Godiva Mortgages solicitors panel
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Godiva Mortgages conveyancing panel?
It is true that some lenders now use the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS membership however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for firms wishing to join their approved list of firms.
I was thinking of purchasing my friend’s property. Once we agree a price, what’s the best way to move forward? I hope to get a mortgage with Godiva Mortgages. Is it possible to avoid using solicitors to save us both money? My dad reckons back in the day he did a lot of it himself, just went into the land registry office and providing them with the info they needed himself
If you are getting a mortgage with Godiva Mortgages involved you will need to appoint a solicitor on the Godiva Mortgages conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Godiva Mortgages. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Godiva Mortgages conveyancing panel.
After shopping around on the internet I have found a solicitor having made sure that they are on the Godiva Mortgages conveyancing panel. Does my lawyer arrange the survey of the property?
Having digested plenty of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the Godiva Mortgages conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Godiva Mortgages will need an independent valuation of the property. Your lawyer will not arrange this. Usually Godiva Mortgages will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey.
You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Godiva Mortgages you could contact your them to see if they have a list of approved surveyors.