Godiva Mortgages Solicitor Panel Example Support Desk Enquires from members of the public
My Solicitor is not listed on the Godiva Mortgages Conveyancing Panel. Can I still use my family solicitor even though they are excluded from the Godiva Mortgages approved list?
You have a number of options available to you here:
- Carry on with your existing lawyers but Godiva Mortgages will need to instruct a lawyer on the Godiva Mortgages conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Godiva Mortgages conveyancing panel.
- Convince your lawyer to do everything within their powers to join the Godiva Mortgages conveyancing panel
I am due to move into my new home next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor 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.
What tools are available to search for a local solicitor on the Godiva Mortgages conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the lawyer.
Feel free to make use of the find a conveyancing panel tool on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Godiva Mortgages solicitor panel.
I was scheduled to complete on my dream home yesterday. My solicitor is on the Godiva Mortgages solicitors panel but has moved offices in the past couple of months and had not informed Godiva Mortgages of their new address. Godiva Mortgages is now refusing to release my funds as the information from the solicitors isn't correct.
This is as unusual as it is unlucky. The majority of lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local Godiva Mortgages branch or your mortgage broker to see if they can assist.
I have had an offer accepted on a apartment I spoke to a lawyer previously used by my dad and he advised retaining a property lawyers approved by Godiva Mortgages. The estate agent recommended two local firms so I asked Godiva Mortgages if the 2 suggested solicitors are approved, which they are not. Godiva Mortgages pointed out that either firm can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Godiva Mortgages 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Godiva Mortgages to suggest a law firm in your location. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the Godiva Mortgages conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Godiva Mortgages conveyancing panel as it may only take about 2-3 weeks. As long as they meet Godiva Mortgages’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
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. Am I right?
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.
I am due to exchange contracts on my house. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Godiva Mortgages are being a right pain. The solicitor who is on the Godiva Mortgages conveyancing panel is saying indemnity insurance will be fine but Godiva Mortgages are insisting on a building regulation certificate. Why do Godiva Mortgages have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Godiva Mortgages have referred the matter to their valuer. The reason why Godiva Mortgages 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.
