Looking for information about your firm's panel status?
Capital Home Loans Conveyancing Panel: Recently Asked Questions
Given my firm’s membership on the Capital Home Loans conveyancing panel how long am I obliged to retain the original conveyancing file?
The CML Part II requirements of
Capital Home Loans are silent on this. Most lenders address the issue of file retention via their Terms of panel appointment where they generally provide that for evidential purposes, the firm must keep the file for a minimum six years from the date of the mortgage. Data imagining is normally
suitable compliance with this requirement. Many lenders point out in
that it is the practice of some fraudsters to demand the conveyancing
file on completion in order to destroy evidence that may later be
used against them. It is therefore important to retain these
documents to protect Capital Home Loans’s interest. To be
absolutely sure of Capital Home Loans requirements in this regard
please check the Terms and Conditions of Capital Home Loans’s
conveyancing panel membership.
Are there conditions,outside the CML Part 2 requirements, that a firm should be aware of when on the Capital Home Loans conveyancing panel?
In order to be on the Capital Home Loans conveyancing panel solicitors have to complete an application form and agree Terms and Conditions. A sample of 5 conditions that we see amongst many lenders Terms (but not necessarily Capital Home Loans) are as follows:
- You have the consent of all borrowers to apply for the deeds, before making any request for deeds. We will accept your request for deeds on the understanding that you have obtained such consent. If this is not the case then you should advise our Deeds Services Department in writing when you make your request
- To keep us informed of the reasons for any delay in your being able to send the title deeds and documents we require to us within 3 months of completion or evidence of proof of registration within that period. (We will send reminders if the deeds have not been received but will not acknowledge receipt of deeds.)
- Without prejudice to your obligation to comply in full with the Safeguards provisions in the CML Lenders’ Handbook, to report to us as soon as possible any suspicion that you have about the genuineness of any transaction in any respect.
- That any deeds you borrow from us in connection with the personal mortgage of a partner or director at your firm must be requested by a partner or director other than the partner or director concerned and the transaction must be handled by that other partner or director. If you are a sole practitioner and require the loan of deeds in connection with your own mortgage, you must nominate a different firm on our panel to request the deeds and handle the transaction.
- To be responsible for the reconstitution of the title deeds (whether the title is registered or unregistered, at your own cost), where any deeds in your possession, or were last known to be in your possession, go missing.
Do lenders such as
Capital Home Loans operate detached conveyancing panel for buy to let mortgages?
The majority of lenders do not operate a specific buy to let conveyancing panel but we are hearing about a few that do. We do not know what the position is with
Capital Home Loans as at todays date. If you're about to receive instructions from a client on a buy to let purchase with a mortgage from
Capital Home Loans we suggest that you call
Capital Home Loans to check the position.
My practice have never been on the
Capital Home Loans conveyancing panel as well other banks.
My clients, who have applied for a mortgage with Capital Home Loans wish use my firms conveyancing services regardless of the fact that we are not on the
Capital Home Loans panel. Is it fine for me to use a firm down the road to act for
Capital Home Loans on mortgage aspect of the conveyancing?
You need to be careful here as what you are intending may not be acceptable to the mortgage company.
It is possible that you (as a non-panel firm) or the mortgage applicant are not entitled instruct a panel firm of your choice. An increasing amount of lenders are making it clear to their panel firms that where a non-panel member firm is instructed by one of their mortgage applicants, the lender must appoint a panel firm to carry out its instructions and to liaise with the borrower's conveyancing firm.
You also need to make the costs implications and potential for delay very clear to your client.
My post-completion clerk has left my firm on short notice.
I urgently need to prioritise making sure that charges are registered. That said, how quickly do I need to send deeds to
Capital Home Loans once the charge is registered before my firm runs the risk of being suspended off the conveyancing panel for Capital Home Loans?
Capital Home Loans will likely expect the deeds to be sent to them within 10 days of you receiving the TID (unless their specific P2 requirements specifically state that they you are not to send them anything). Most COTs refer to complying with the Certificate of Title referred to in IB (3.7) of the SRA Code of Conduct 2011, published by the Law Society which states that you ‘will despatch to you such deeds and documents relating to the Property as you require with a list of them in the form prescribed by you within ten working days of receipt by us of the title information document from the Land Registry’ As to whether the lender will suspend your panel status this very much varies according to the lender’s own internal policies The more cases you have the more risk you face. Some lenders may take action if there records show that the deeds are outstanding for more than 3 matters. The fact is that if you keep within the time frame then you will have more chance of remaining on the
Capital Home Loans conveyancing panel.
Prime Professional’s PI Insurance renewal form questions if my firm had been removed off any lender panels in the last 12 months.
I just found out that the practice is no longer on the
Capital Home Loans solicitor panel? Is this likely to effect my PII cover?
The best placed professionals to answer this question are your insurance brokers.
The chances are that on the basis that you have not been removed for
fraud or negligence reasons that there will be little or no
impact. The main reason why a firm would be removed off of a lender
panel is due to low volume of conveyancing cases although there may be
a number of criteria for Capital Home Loans solicitor panel
membership. Please remember that it is always important that you
complete your insurance forms accurately.
Our practice is on the
Capital Home Loans
conveyancing panel and due to complete a remortgage within the next week. I dont have a Mortgage Deed for the client to execute.
Who do I contact at Capital Home Loans to request substitute deeds?
You need to get in touch with Capital Home Loans
to obtain standard documents. The The Council of Mortgage Lenders Handbook has an explicit question for lenders to cite who to contact to obtain standard documents.
Capital Home Loans in their Part 2’s state:
Please remember to quote your Capital Home Loans conveyancing panel reference.
Find a Lawyer on the Capital Home Loans Solicitor Panel
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Average number of days to register title including a charge in favour of Capital Home Loans
This information relates to purchase only and not remortgages.
| Year | Days* |
|---|---|
| 2026 | [no data] |
| 2025 | [no data] |
| 2024 | [no data] |
| 2023 | [no data] |
| 2022 | [no data] |
| 2021 | [no data] |
* Data aggregated from sources including COMPLETIONmonitor
Other related topics:
- CQS policy templates and procedures for accredited Capital Home Loans Firms
- Draft Report on Title precedent for Capital Home Loans borrowers
- Draft Anti Money Laundering PolicyTemplate for Capital Home Loans panel firms to consider
- Dealing with Lender Policy Template panel for CQS accredited firms on the Capital Home Loans lender panel
- Buy-to-Let help for Capital Home Loans
- Consent-to-Let help for Capital Home Loans
- Contractor Mortgages with Capital Home Loans
