Examples of recent questions relating to the Hampden Conveyancing Panel
from members of the public
Can you please explain the reason why all property lawyers are not on the Hampden Conveyancing panel?
As unjust as it may seem for Hampden to restrict who can act for them from the public’s or solicitor’s point of view, the other side of the coin is that the lenders are becoming ever more anxious and feel the necessary need to protect them from mortgage fraud and other illegal activities. As a result of this concern Hampden have restricted their conveyancing panel to a size that they are happy to control. The Hampden conveyancing panel is not the most difficult to join
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Hampden will not agree to this. Why was Hampden even consulted?
Your lawyer being on the Hampden conveyancing panel is duty bound to inform Hampden of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Hampden then they would have to discontinue acting for you and Hampden.
I need to find a Hampden panel solicitor in Belfast. Could you help me?
It is not clear why you need a Hampden panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Hampden to find out which solicitors in Hampden are on their panel. If you do find such a firm not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site
I am considering applying for a Hampden mortgage for purchase of a new build (under development) with 70% loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Hampden?
There is nothing to stop you using your solicitor but Hampden will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
I have agreed a price on a flat I spoke to a lawyer previously used by my mum and he suggested instructing a law firm approved by Hampden. The estate agent recommended two local firms so I asked Hampden if the 2 suggested solicitors are approved, which they are not. Hampden suggested that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Hampden 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask Hampden to suggest a law firm in your location. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Hampden 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 Hampden conveyancing panel as it may only take about 2-3 weeks. As long as they meet Hampden’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.
After shopping around on the internet I have found a solicitor having checked that they are on the Hampden conveyancing panel. Does my lawyer arrange the survey of the property?
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I've read lots of mortgage guides,I note that it is considered advisable to 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 correct?
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.
My husband and I are acquiring a penthouse in Hendon. Conveyancing solicitors in Hendon are about to begiven the go-ahead. My fatherrecommended that we make sure that the property lawyer in Hendon is on the Hampden solicitors panel. Is this right?
It is not that case that all Hendon conveyancing practices are on the Hampden conveyancing panel. 7 people a month use our search tool to locate a
Hendon conveyancing lawyer on the on the Hampden panel.