Habito Solicitor Panel Example Support Desk Enquires
from members of the public
Is the fact that my conveyancer is not on the Habito Solicitor panel that there is a problem with the quality of her conveyancing?
It would not be wise to jump to that conclusion. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The most common reasons for removal are: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for Habito.
Expecting to complete my purchase next Friday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in has capacity as lawyer for Habito. What does the insurance need to cover?
Any lawyer on the Habito 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 Habito’s Part 2 requirements of the CML Handbook (last updated on Habito). Being on the Habito conveyancing panel your lawyer is expect to follow these instructions.
I require the services of a Habito panel solicitor in Inverness. Can you assist?
It is not clear why you need a Habito panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Habito to find out which solicitors in Habito are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
I would like to get my ex-husband taken off the mortgage deeds. Can Habito really tell me which solicitor I can or can not instruct?
You can use any solicitor you like but Habito 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 Habito solicitors panel
Are all conveyancing solicitors on the Habito conveyancing panel overseen by the Solicitors Regulatory Authority?
As a firm of solicitors, in order to be on the Habito conveyancing panel they would need to be regulated by the Solicitors Regulatory Authority. Many lenders do allow licenced conveyancers on their panel in which case such firms would be regulated by the Council of Licensed Conveyancers (CLC).
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Habito be concerned
Given that you are obtaining a mortgage with Habito your lawyer must to check the Habito conveyancing instructions contained in the Part of CML Handbook for Habito . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Habito where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
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 mortgage company, Habito are being difficult. The solicitor who is on the Habito conveyancing panel is recommending indemnity insurance as a solution but Habito are insisting on a building regulation certificate. Why do Habito have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Habito have referred the matter to their valuer. The reason why Habito 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.