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I have been advised by my broker that I have to pay Habito fees should I instruct my family lawyer. How efficient are the Habito 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 Habito panel?
Habito’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 Habito will allow to act for them.
My husband and I changing mortgage lender for our penthouse with Habito. We have a son 19 who lives with us. The solicitor on the Habito conveyancing panel has asked us to disclose any adults other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this form unique to the Habito conveyancing panel as he did not need to sign this form when we purchased 4 years ago (2) Does our son by signing this giving up his rights to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Habito .This is solely used to protect the Habito if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.
It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Habito had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
I have been searching for conveyancing quotes online. Can I be assured that all the practices that are identified on your website are on the Habito conveyancing panel?
The solicitor and licensed conveyancing practices on our directory have assured us via an online form that they are on the Habito panel and agreed to advise us to take down their listing in the event of removal off of the Habito panel. To date we have not been informed by either a bank or a member of the public that the data about a specific firm being on the Habito conveyancing panel is not accurate.
I am considering refinancing my apartment does my lawyer need to be on the Habito Conveyancing panel?
In theory, you could use a solicitor that is not on Habito conveyancing panel, but Habito 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 transaction.
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Habito conveyancing panel?
Some major lenders now use the accreditation scheme as the starting point for Panel membership such as HSBC and Santander. The Law Society’s CQS membership however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.
I was thinking of purchasing my friend’s property. Once we agree a price, what’s the best way to move forward? I hope to get a mortgage with Habito. Is it possible to avoid using solicitors to save on the costs? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Habito involved you will need to appoint a solicitor on the Habito conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Habito. Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Habito conveyancing panel.
I have a mortgage with Habito. Conveyancing has been completed months ago. Should I wish to rent out my property and do not currently have a buy-to-let mortgage do I need to remortgage to a buy-to-let mortgage or inform Habito?
Habito must be informed of your intention prior to letting out your property as this is likely to be a breach of Habito’s mortgage conditions. In many cases banks or building societies will permit you to let out your former home without needing to switch to a buy-to-let mortgage but some lenders will add a surcharge to your mortgage rate to reflect the higher risk. You should contact Habito directly. It should not be necessary to do this via a Habito conveyancing panel firm.
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