Handelsbanken Conveyancing Panel Recently Asked Questions
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. Are there any Handelsbanken conveyancers you'd recommend?
Handelsbanken’s conveyancing panel is pretty large so it would be advisable 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.
We are nearing an exchange and my mum and dad having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Handelsbanken. Apparently, being on the Handelsbanken conveyancing panel and acting on their behalf he must inform Handelsbanken if the balance of the mortgage advance is not just from me. I advised the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with Handelsbanken to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Handelsbanken if you agree, failing which, your lawyer must cease to continue acting.
Do all mortgage companies provide you with an approved list of solicitors? How do you know who is on the Handelsbanken conveyancing panel?
The firms themselves provide us confirmation that they are on the Handelsbanken conveyancing panel as opposed to being supplied with a list from Handelsbanken directly.
I am considering remortgaging my home does my lawyer have to be on the Handelsbanken Conveyancing panel?
In theory, you could use a solicitor that is not on Handelsbanken conveyancing panel, but Handelsbanken would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
Can you point me to a directory of Handelsbanken panel solicitors on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
My husband and I are in the throws of viewing flats and am about to put in an offer. Is it premature to have a solicitor in place? I intend to finance via a mortgage with Handelsbanken
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 estate agent. As you are getting a mortgage with Handelsbanken , make sure you remember to check that your lawyer is on the Handelsbanken conveyancing panel.
After shopping around on the internet I have found a solicitor having made sure that they are on the Handelsbanken 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 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.