FAQs for the Handelsbanken Solicitor Panel
from members of the public
My financial adviser has informed me that I have to pay Handelsbanken fees if I use my own solicitor. How good are the Handelsbanken conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH as long as they're good and reasonably priced. Would you recommend a specific law firm on the Handelsbanken panel?
Handelsbanken’s conveyancing panel is pretty large so your best bet is just to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Handelsbanken will allow to act for them.
Our lawyer has discovered a defect with the lease for the flat we are purchasing. The seller’s lawyers have suggested title insurance as a solution. We are content with insurance and will pay for it. Our solicitor says that as he is on the Handelsbanken conveyancing panel he must be satisfied that the lender is happy with this solution. Are we the client or is Handelsbanken?
Just because you have a mortgage offer from Handelsbanken 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 Handelsbanken are the client. The appropriate lender requirements have to be complied with by the Handelsbanken conveyancing panel who has to balance acting for you and Handelsbanken
Your search tool is useful but there are many lawyers listed near Hackney on the Handelsbanken conveyancing panel. It would be a lot more helpful if you could recommend a specific firm on the conveyancing panel for Handelsbanken ?
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..
We're in Liverpool, First time buyers purchasing with a mortgage (lender is Handelsbanken , but our lawyer is on the Handelsbanken conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the Handelsbanken conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
Do the majority of banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Handelsbanken conveyancing panel requirements are different to Handelsbanken’s conveyancing panel criteria.
Planning on purchasing a flat with a mortgage with Handelsbanken. 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 Handelsbanken 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 Handelsbanken conveyancing panel
I have instructed a lawyer having checked that they are on the Handelsbanken conveyancing panel. Does my lawyer arrange the survey of the property?
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Having read lots of house buying,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 Handelsbanken conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Handelsbanken will need an independent valuation of the property. Your lawyer will not arrange this. Usually Handelsbanken 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 Handelsbanken you could contact your them to see if they have a list of approved surveyors.