Common questions asked concerning the Hodge Life Solicitor Panel
from members of the public
My property lawyer is not listed on the Hodge Life Approved Panel. Is it possible for me to use my family solicitor notwithstanding that they are excluded from the Hodge Life panel of approved conveyancing solicitors?
The most common options here are as follows:
- Carry on with your existing solicitors but Hodge Life will need to instruct a lawyer on the Hodge Life 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 Hodge Life conveyancing panel.
- Convince your lawyer to do everything within their powers to join the Hodge Life conveyancing panel
We are approaching an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification to my lender Hodge Life. Apparently, being on the Hodge Life conveyancing panel and acting on their behalf he must inform Hodge Life 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 mortgage so is it really necessary for him to raise this?
Your lawyer is obliged to check with Hodge Life 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 Hodge Life if you agree, failing which, your lawyer must cease to continue acting.
Do I have to have a meeting at the offices of the Hodge Life conveyancing panel solicitor to sign the legal charge? If so, I will choose one who does conveyancing in London
so that I can pop in to their offices if necessary.
Most conveyancing panel lawyers for Hodge Life undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.
Can you clarify what the consequences are if my lawyer’s firm is removed from the Hodge Life Conveyancing panel before completion?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
We are getting a further advance on our mortgage from Hodge Life as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the Hodge Life conveyancing panel to deal with the paperwork?
Hodge Life would not normally instruct a member of their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Hodge Life panel
I have agreed a price on a apartment I spoke to a conveyancer previously used by my mum and he advised retaining a law firm approved by Hodge Life. The estate agent recommended two local firms so I asked Hodge Life if the 2 suggested solicitors are approved, which they are not. Hodge Life pointed out that either firm can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Hodge Life 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Ask Hodge Life to suggest a law firm in your location. Lenders have them all over the country. You can also use our search tool at the top of this page to search for a lawyer on the Hodge Life 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 Hodge Life conveyancing panel as it may only take about 2-3 weeks. As long as they meet Hodge Life’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 much negotiation I have agreed a price on an apartment. My mortgage broker suggested a solicitor I paid an upfront payment of 175. Soon after the conveyancers contacted me to say that they were not on the Hodge Life conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Hodge Life panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.