Examples of recent questions relating to the Godiva Mortgages Solicitor Panel from members of the public
My financial adviser has has requested my lawyer’ panel member for the Godiva Mortgages conveyancing panel. How do I obtain this. I have called my local Godiva Mortgages branch but they don't know it.
the sensible thing to do is ask for this information from your solicitor. They should have a central record lender panel numbers including the Godiva Mortgages panel reference.
Expecting to complete my purchase next Monday. 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 Godiva Mortgages. What risks do Godiva Mortgages expect the insurance to cover?
All property lawyers on the Godiva Mortgages 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 Godiva Mortgages’s Part 2 requirements of the CML Handbook (last updated on Godiva Mortgages). Being on the Godiva Mortgages conveyancing panel your lawyer is expect to follow these requirements.
I am searching for conveyancing quotes online. Can I be confident that all the law firms that are listed on your directory are on the Godiva Mortgages conveyancing panel?
The law firms on our directory have advised us that they are on the Godiva Mortgages panel and agreed to advise us to take down their listing in the event of removal off of the Godiva Mortgages panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Godiva Mortgages conveyancing panel is incorrect.
I am selling my house. Does my solicitor have to be on the Godiva Mortgages conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Godiva Mortgages 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.
I had instructed online conveyancers based in Cardiff who are on the Godiva Mortgages solicitor panel. They are now charging me a separate fee of £195 for dealing with the Godiva Mortgages mortgage. Is this a supplemental conveyancing fee set by Godiva Mortgages?
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 Godiva Mortgages but by your lawyers. Some firms on the Godiva Mortgages will charge an ‘acting for lender’ fee and others do not.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, 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 father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
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.
I have today made my last payment due on mortgage with Godiva Mortgages. I assume I don't need a solicitor on the Godiva Mortgages panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Godiva Mortgages 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 Godiva Mortgages mortgage from the register. Godiva Mortgages,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 Godiva Mortgages has sent the Land Registry the discharge electronically, and
the Godiva Mortgages has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Godiva Mortgages mortgage has been paid off.