Hampden Conveyancing Panel : Questions and Answers
from members of the public
My lawyer is not listed on the Hampden Solicitor Panel. Can I still continue with my preferred solicitor notwithstanding that they are not on the Hampden approved list?
The most common options here are as follows:
- Complete the purchase with your existing lawyers but Hampden will need to instruct a lawyer on the Hampden 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 Hampden conveyancing panel.
- Urge your lawyer to apply to join the Hampden lender panel
I am buying a newly built duplex and my conveyancer is informing me that she has to disclose incentives from the seller as her firm is on the Hampden conveyancing panel. I am on a tight deadline to exchange contracts and I have no desire to delay the conveyancing. Can I insist on an exchange regardless of what my lawyer says about being on the Hampden panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Hampden approved panel is to comply with the CML Handbook requirements (last updated for this lender on Hampden). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Your search tool is useful but there are many lawyers listed near Chelsea on the Hampden conveyancing panel. Can you recommend a specific firm on the Hampden 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. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
My uncle passed away last year and as sole heir and executor was left the house. The house had a relatively small loan left on it of around £4500. I want to transfer the title deeds into my name whilst I re-mortgage to Hampden , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Hampden will insist on your using a conveyancer on the Hampden conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Hampden conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Hampden mortgage is registered as a charge at the Land Registry.
We have agreed a price on a flat I spoke to a solicitor recommended by my mum and he suggested instructing a property lawyers 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 pointed out 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 for conveyancing panel firms in your area. 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.
I'm in the throws of looking at apartments and am about to put in an offer. Is it premature to have a solicitor in place? I intend to finance via a home loan with Hampden
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Hampden , make sure you remember to check that your lawyer is on the Hampden conveyancing panel.
I am selling my apartment. I had a double glazing fitted in month 8 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Hampden are being difficult. The solicitor who is on the Hampden conveyancing panel is recommending indemnity insurance as a solution but Hampden are insisting on a building regulation certificate. Why do Hampden have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Hampden have referred the matter to their valuer. The reason why Hampden 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.