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Question: 1.15. May your firm act if the person dealing with the transaction or a member of his immediate family is the borrower?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family |
| Accord Mortgages Ltd |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family. |
| Adam & Company |
Your firm may act if a separate partner within the firm acts for us in the circumstances specified in Part 1. |
| Adam & Company International |
Your firm may act if a separate partner within the firm acts for us in the circumstances specified in Part 1. |
| Ahli United Bank (UK) plc | No |
| Aldermore Bank PLC | No. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Refer to AIB Group (UK) plc, Central Securities (GB), 92 Anne Street, Belfast, BT1 3H |
| April Mortgages | Yes, provided the firm is a partnership, a separate partner in the firm (who is not related to the seller) acts for us, there is no conflict of interest and you are acting within your professional guidelines. |
| Atom Bank plc | Yes, provided the firm is a partnership, a separate partner to the firm (who is not related to the seller) acts for us, there is no conflict of interest and you are acting within your professional guidelines. |
| Aviva Equity Release UK Ltd | Yes. |
| Bank of China | No. |
| Bank of Ireland (UK) plc | Yes, provided that the separate fee earner dealing with the transaction for the lender is of no less standing within the firm and is not the borrower or related to the borrower. Otherwise, your firm may not act in these circumstances. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes, provided that the separate fee earner dealing with the transaction for the lender is of no less standing within the firm and is not the seller or related to the seller. Otherwise, your firm may not act in these circumstances. |
| Bank of Scotland Beginning A |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a fee earner of no less standing or a partner in the firm acts for us. |
| Bank of Scotland Beginning O |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a spearate fee earner of no less standing or a partner in the firm acts for us. |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | Yes, in the circumstances stated in 1.15 of Part 1 of the Handbook provided there is no conflict of interest. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc |
Yes provided that: i. There is no conflict of interest and none arises during the transaction; ii. The firm is a partnership; iii. The conveyancer acting is not the seller or a member of the seller's immediate family. |
| Birmingham Bank | Please contact Head of Operations (Gareth Allen) to discuss |
| Birmingham Midshires |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Bluestone Mortgages | No. |
| Bradford & Bingley Limited | Your firm may only act if a separate fee earner or partner within the firm acts for us. |
| Britannia, a trading name of The Co-operative Bank plc |
Yes, in the circumstances outlined in Part 1 and subject to our consent in writing |
| Buckinghamshire Building Society | No |
| Chelsea Building Society (a trading name of Yorkshire BS) |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family. |
| CHL Mortgages |
No |
| Clydesdale Bank plc | Yes, in the circumstances stated in part 1 of the handbook. |
| Co-operative Bank plc | No. |
| Coutts | Your firm may act if a separate partner within the firm acts for us in the circumstances specified in Part 1. |
| Coutts Finance Co | Your firm may act if a separate partner within the firm acts for us in the circumstances specified in Part 1. |
| Coventry Building Society | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Cynergy Bank | No. Your firm may only act if a different partner or fee earner is involved and there is no conflict of interest. |
| Danske Bank | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Darlington Building Society | No |
| DB UK Bank Ltd |
Yes, as long as a separate fee earner of no less standing or a partner in the firm acts for us. |
| Dudley Building Society | No |
| Ecology Building Society | No |
| Family Building Soc (a trading name of National Counties BS) | No. |
| First Direct | Yes, provided a separate partner to the firm (who is not related to the seller) acts for us, there is no conflict of interest and you are acting within your professional guidelines |
| Fleet Mortgages | No |
| Foundation Home Loans | Your firm may act if a separate fee earner of no less standing or separate partner of the firm acts for us , there is no conflict of interest and you are compliant with your professional rules and guidelines. |
| Furness Building Society | No |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Generation Home | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for the borrower and for us. |
| Godiva Mortgages Ltd | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Habito | No |
| Halifax |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Halifax Loans Ltd |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Hampden & Co. plc | Your firm may act if a separate partner within the firm acts for us in the circumstances specified in Part 1. |
| Handelsbanken | Yes, provided that the separate fee earner dealing with the transaction for the lender is of no less standing within the firm and is not the seller or related to the seller. Otherwise, your firm may not act in these circumstances. |
| Harpenden Building Society |
Yes, if dealt with by a separate partner |
| Hinckley and Rugby Building Society | Please supply details of the relationship between the borrower and the conveyancer acting, to Principal Office, Completions Team. |
| Hodge |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family. Your written confirmation must be submitted to us and you must await our written acknowledgement before proceeding. |
| Hodge Equity Release |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family. Your written confirmation must be submitted to us and you must await our written acknowledgement before proceeding. |
| Holmesdale Building Society | yes the firm may act but the person handling the matter should not be an interested party. |
| HSBC UK Bank plc | Yes, provided a separate partner to the firm (who is not related to the seller) acts for us, there is no conflict of interest and you are acting within your professional guidelines |
| Intelligent Finance |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Investec Bank plc | Your firm may act if a separate partner within the firm acts for us in the circumstances specified in Part 1. |
| ITL Mortgages | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| JPMorgan Chase Bank, N.A. | No. |
| Kensington Mortgage Company Ltd | No, the case must be passed to another solicitor at your firm (not under your supervision), or if none are available the instruction declined. |
| Kent Reliance (a trading name of OneSavings Bank plc) | We do not agree that your firm can act in these situations |
| Keystone Property Finance | No |
| Landbay Partners Limited | Your firm may act if a separate fee earner of no less standing or a partner of the firm acts for us. |
| Landmark Mortgages Limited |
No. Your firm must not act in transactions in which the partner or fee earner dealing with the transaction or a member of their immediate family is the borrower. |
| Leeds Building Society |
Yes, provided that: • a different person deals with the conveyance (i.e. not the borrower); • there is no conflict of interest and none arises during the transaction; and • the Law Society guidelines are followed. |
| Legal & General Home Finance Ltd | We may agree provided that 1. Your firm is a partnership; 2. that a partner who is not the seller or borrower or related to the borrower or seller acts on our behalf; that there is no conflict or risk of conflict arising . You must provide details to us in writing before commencing work and await our express authority. |
| LendInvest |
Yes, provided that: - there is no conflict of interest and none arises during the transaction - the firm is a partnership - the conveyancer acting is not the seller or a member of the seller's immediate family |
| LiveMore Capital | No, the case must be passed to another solicitor at your firm (not under your supervision), or if none are available the instruction declined. |
| Lloyds Bank plc pre fixed 20/40 | Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may only act if a separate fee earner of no less standing or a separate partner in the firm acts for us. |
| Lloyds Bank plc pre fixed 50/30/77 | Yes, subject to 1.13 |
| Lloyds TSB Scotland plc | Yes, subject to 1.13 |
| M&S Bank | Yes, provided a separate partner in the firm (who is not related to the seller) acts for us, there is no conflict of interest and you are acting within your professional rules |
| Magellan Homeloans | No |
| Manchester Building Society | No. |
| Market Harborough Building Society | Yes |
| Masthaven Bank | No. |
| Metro Bank plc | Yes providing a different partner is involved, there is no conflict of interest and none arises during the transaction and the conveyancer acting is not the borrower or a member of the borrower's immediate family. |
| ModaMortgages | No. |
| Molo Finance | Yes, providing that you request our express authority in writing. |
| Monmouthshire Building Society |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family. |
| Mortgage Agency Services | No |
| Mortgage Express | Your firm may only act if a separate fee earner or partner within the firm acts for us |
| Mortgage Express No 2 | |
| MPowered Mortgages | No |
| National Counties Building Society | No. |
| National Westminster Bank plc | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| Nationwide Building Society | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Nedbank Private Wealth Ltd | Your firm may not in such circumstances without specific permission from us. |
| New Street Mortgages |
No, the case must be passed to another solicitor at your firm (not under your supervision), or if none are available the instruction declined |
| NRAM Ltd | No. Your firm must not act in transactions in which the partner or fee earner dealing with the transaction or a member of his immediate family is the borrower. |
| Paragon Buy to Let Mortgages |
You may not act if the person dealing with the transaction or a member of his immediate family is the Borrower, a guarantor or a director, shareholder or officer of the Borrower without our express authority in writing. If we do consent, the person acting for us must be a partner and have more seniority than the person acting for the Borrower, guarantor etc. |
| Paragon Residential Owner-Occupied Mortgages | You may not act if the person dealing with the transaction or a member of his immediate family is the Borrower or a guarantor without our express authority in writing. If we do consent, the person acting for us must be a partner and have more seniority than the person acting for the Borrower or guarantor. |
| Paratus AMC Ltd |
Your firm may act if a separate fee earner of no less standing or separate partner of the firm acts for us , there is no conflict of interest and you are compliant with your professional rules and guidelines. |
| Parity Trust | No |
| Pepper Money | No |
| Pepper Money (PUK) | No |
| Perenna | Yes, provided the firm is a partnership, a separate partner in the firm (who is not related to the seller) acts for us, there is no conflict of interest, and you are acting within your professional guidelines. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | No. |
| Precise Mortgages (Charter Court Financial Services Ltd) | No. |
| Principality Building Society |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family. Your written confirmation must be submitted to us and you must await our written acknowledgement before proceeding. |
| Reliance Bank Ltd | No we would require another solicitor at the firm to handle the transaction |
| Rooftop Mortgages Ltd | Please contact the lender. |
| Saffron Building Society |
Yes, provided that: There is no conflict of interest and none arises during the transaction; and A separate fee earner of no less standing or a partner in the firm acts for us |
| Sainsbury's Bank | We may allow your firm to act in these circumstances where a separate fee earner of no less standing or a partner within the firm acts for us. Please contact us at the address detailed in 1.11a for confirmation. |
| Santander UK plc | Yes, provided that a separate fee earner (acting under the supervision of another partner) acts; there is no conflict of interest and your professional guidelines are followed. |
| Scottish Building Society | No |
| Scottish Widows Bank | Yes, provided a separate partner within the firm acts on our behalf. |
| Secure Trust Bank PLC | No. |
| Skipton Building Society | Yes, provided the stipulations in 1.15 are strictly complied with. |
| St James Place Bank |
Not if the person dealing is the seller or a member of the seller's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| State Bank of India UK | Not if the person dealing is the borrower or a member of the borrower?s family. Your firm may only act if a separate fee earner of no less standing or a separate partner of the firm acts for us. |
| Swansea Building Society | No |
| The Mortgage Business |
No. However, your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| The Mortgage Lender Limited | No |
| The Mortgage Works | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| The Royal Bank of Scotland plc | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc Direct Line Mortgages | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us |
| The Royal Bank of Scotland plc Direct Line One | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc First Active | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc Natwest one Account | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc One Account | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc Virgin One | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Tipton & Coseley Building Society | No |
| Together Personal Finance Limited | Not when the person dealing is the seller or a member of the borrower’s immediate family. Your firm may act if a separate fee earner of no less standing or partner in the firm acts for us and no conflict of interest exists. |
| Topaz Finance Ltd | Yes, providing a seperate fee earner of no less standing deals with the transaction. |
| TSB Bank plc | Yes, subject to 1.13 |
| Ulster Bank | No. Your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. |
| Vida Homeloans | No |
| Virgin Money | No and you must tell us immediately. |
| Whistletree (a trading name of TSB Bank plc) | Yes, subject to 1.13 in handbook |
| Yorkshire Bank Home Loans Ltd | Yes, in the circumstances stated in Part 1 of the handbook. |
| Yorkshire Building Society |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family |
| Zephyr Homeloans | Yes, providing a separate fee earner of no less standing deals with the transaction. |