Q and A’s regarding the Hampden Conveyancing Panel
from members of the public
My Solicitor is not on the Hampden Approved Panel. Can I still retain my family solicitor notwithstanding that they are excluded from the Hampden approved list?
You will need to have a conveyancer complete the legal work required when you take out a Hampden mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Hampden conveyancing panel additional costs will be incurred as separate legal representation will be required by Hampden. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
Our conveyancer has informed me that he requires personal identification documents saying that this is part of his retainer as a conveyancer on the Hampden Solicitor panel. Is this right?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with Hampden your lawyer also has to check ID documents to satisfy Hampden
Your search tool is useful but there are many lawyers listed near Newcastle on the Hampden conveyancing panel. Can you recommend a specific firm on the conveyancing panel for Hampden ?
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 would like to get my ex-wife taken off the mortgage deeds. Can Hampden really tell me which solicitor I can or can not use?
You can use any solicitor you like but Hampden 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 Hampden solicitors panel
After shopping around on the internet I have found a solicitor having made sure that they are on the Hampden conveyancing panel. Does my lawyer arrange the survey of the property?
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I've digested plenty of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Hampden conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Hampden will need an independent valuation of the property. Your lawyer will not arrange this. Usually Hampden 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.
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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 Hampden you could contact your them to see if they have a list of approved surveyors.
Hampden have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Hampden or your broker and complete any relevant paperwork. Hampden will tell you what documents they want. Hampden will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Hampden will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.
Next month my fiance and I are remortgaging a garden flat in Hendon. Conveyancing solicitors in Hendon are preferred to beretained. My fatheradvised that we enquire that the solicitor in Hendon is on the Hampden approved list of lawyers. Aren't all lawyers on the Hampden panel?
Far from all Hendon conveyancing solicitors are on the Hampden conveyancing panel. 7 people a month use our search tool to find a
Hendon conveyancing practitioner on the on the Hampden approved list of lawyers.