Halifax Conveyancing Panel : Questions and Answers
from members of the public
I have just been informed by my mortgage broker that my the law firm I have appointed is not on the Halifax Solicitor panel. How can I be sure that this is correct?
The best course of action for you to take is to contact your conveyancer. It is reasonable to expect your lawyer to advise you of the situation. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for Halifax.
Our lawyer has uncovered a problem with the lease for the property we are purchasing. The seller’s lawyers have offered title insurance as a solution. We are content with insurance and will pay for it. Our solicitor has advised that as he is on the Halifax conveyancing panel he must be satisfied that the lender is happy with this solution. Are we the client or is Halifax?
Just because you have a mortgage offer from Halifax does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Halifax are the client. These conveyancing instructions have to be complied with by the Halifax conveyancing panel who has to balance acting for you and Halifax
Whilst your website is a good idea there are many lawyers listed near Chelsea on the Halifax conveyancing panel. Can you recommend a specific firm on the Halifax approved panel?
We do not recommend specific firms as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I am purchasing a new build flat and getting a mortgage with Halifax. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Halifax 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 Halifax conveyancing panel in your location.
I have a mortgage with Halifax. Conveyancing has been completed some time ago. If I am intending to rent out the flat and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Halifax?
Your original mortgage agreement with Halifax will provide that you need their approval before renting your property as this is likely to be a breach of Halifax’s mortgage conditions. It may be that Halifax will allow you to rent out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Halifax directly. You need not do this via a Halifax conveyancing panel lawyer.
Planning on purchasing a house with a mortgage with Halifax. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Lender if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Halifax conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Halifax conveyancing panel
Me and my partner are taking a long lease of a house in Hendon. Conveyancing solicitors in Hendon are preferred to beretained. My brother-in-lawsuggested that we double-check that the property lawyer in Hendon is on the Halifax panel. Is this really necessary?
Not all Hendon conveyancing firms are on the Halifax conveyancing panel. 8 people a month use our search tool to locate a
Hendon conveyancing solicitor on the on the Halifax panel.