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Question: 4.5. Where should the certificate of title be sent?
| Lender | Answer |
|---|---|
| Accord Buy to Let | As 1.11a. |
| Accord Mortgages Ltd | As 1.11a |
| Adam & Company | See 1.11 |
| Adam & Company International |
See 1.11 |
| Ahli United Bank (UK) plc | Central Administration Unit |
| Aldermore Bank PLC |
As 1.11. Refer to 10.2b for time to submit the certificate of title. You should not submit your Certificate of Title without first confirming with your customer that they have accepted the most recent version of their mortgage offer and that all pre completion queries have been resolved. We require your Certificate of Title to be submitted with not less than 3 working days’ notice.( Certificate of Title to be emailed to our completions team, please ensure you note reference number and the word 'COT' in the subject field) |
| 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 | As per 1.11 |
| Atom Bank plc |
All Certificates of Title must be submitted in electronic form using the LMS Conveyancer Zone Portal. Certificates of Title submitted via any other method or in any other form will not be accepted. You should not submit your Certificate of Title without first confirming with your customer that they have accepted the most recent version of their mortgage offer in their Atom App and that all pre completion queries have been resolved. We require your Certificate of Title to be submitted with not less than 3 working days’ notice. |
| Aviva Equity Release UK Ltd | See 1.11 |
| Bank of China | Copy by email to mortgages@bank-of-china.com and original on your firm’s letterhead to follow by post to Personal Banking Department Mortgage Centre, 1 Lothbury, London EC2R 7DB. |
| Bank of Ireland (UK) plc | For LMS managed cases, the certificate of title must be submitted through the LMS portal. For all other cases, please see front page of the Offer for contact details. |
| Bank of Ireland as Bank of Ireland Mortgages | For LMS managed cases, the certificate of title must be submitted through the LMS portal. For all other cases, please see front page of the Offer for contact details. |
| Bank of Scotland Beginning A | Address and telephone number on the Mortgage Offer. |
| Bank of Scotland Beginning O |
Address and telephone number on the Mortgage Offer. |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC |
Fax is 0845 600 0482 Address is Barclays Mortgage Services PO Box 8575 Leicester LE18 9AW |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | As 1.11a. |
| Better HomeOwnership (Mortgages) | See 1.11 |
| Birmingham Bank | mortgages@birminghambank.com |
| Birmingham Midshires |
By fax to fax no. 0345 *******or by post to Completions, Mortgage Services, Trinity Road, Halifax HX1 2RG For mortgages with a pre fix of 20: 0345 835 7860 For mortgages with a pre fix of 60: 0345 600 3853 It is important the correct fax number is used for the relevant account number pre fix, as otherwise this will cause a delay and could result in the completion being missed. |
| Bluestone Mortgages | As per 1.11. |
| Bradford & Bingley Limited | As 1.11a |
| Britannia, a trading name of The Co-operative Bank plc | Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX 16351 Leek. Telephone and Fax numbers as shown on the letter enclosing the Offer of Advance |
| Buckinghamshire Building Society |
Buckinghamshire Building Society, High Street, Chalfont St Giles, Bucks, HP8 4QB e-mail mortgages@bucksbs.co.uk Fax: 01494 877259 |
| Chelsea Building Society (a trading name of Yorkshire BS) | As 1.11a. |
| CHL Mortgages |
Please send the Certificate of Title quoting our mortgage case reference number to: Email: completions@chlmortgages.co.uk Completions Department, CHL Mortgages, Admiral House, Harlington Way, Fleet, Hants, GU51 4YA In all instances a copy should be retained on your file for review |
| Clydesdale Bank plc |
For cases where you have been instructed through the LMS portal the certificate of title must be submitted through the LMS portal. For all other cases: The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 cybg.completions@cybg.com |
| Co-operative Bank plc | See 1.11a earlier. |
| Coutts | See 1.11 |
| Coutts Finance Co | See 1.11 |
| Coventry Building Society |
Completions Dept. Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR Tel. 02476 839357 Fax. 024 76839275 |
| Cynergy Bank |
Cynergy Bank Mortgage Fulfilment Team PO Box 80030 London EC4P 4NG Email: creditdelivery@cynergybank.co.uk |
| Danske Bank |
Via email to gb_mortgages@danskebank.co.uk with the original sent to: Danske Bank Mortgage Completion Team, Killeaton House 41 Mosside Road, Dunmurry Belfast, BT17 9HH DX 2015 NR BELFAST 2 |
| Darlington Building Society | Customer Support Department, Principal Office |
| DB UK Bank Ltd |
db mortgages PO Box 890 Newport NP20 9LZ Tel: 0845 650 6281 DX Address - not available |
| Dudley Building Society | As 1.11a. However, please use the following email address instead: MortgageCompletions@dudleybuildingsociety.co.uk |
| Ecology Building Society | As 1.7 |
| Family Building Soc (a trading name of National Counties BS) |
Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL Email: loansunderwriting@familybsoc.co.uk |
| First Direct | See 10.2b |
| Fleet Mortgages | See 1.11a |
| Foundation Home Loans | The Certificate of Title should be submitted electronically via the solicitor panel management portal. |
| Furness Building Society |
Mortgage Completions at address shown in 1.11. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H | A link will be emailed to our conveyancer to complete the certificate of title. Please raise any queries regarding certificate submission through Secure Link, which is accessed via LMS Conveyancer Zone. |
| Godiva Mortgages Ltd |
Completions Dept. Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR Tel. 02476 839357 Fax. 02476 839275 |
| Habito | Conveyancing@habito.com |
| Halifax |
By fax to Fax no. 0345 1221034 or by post to Completions, Mortgage Services, Trinity Road, Halifax HX1 2RG |
| Halifax Loans Ltd |
Completions, Mortgage Operations, Trinity Road, Halifax, HX1 2RG. |
| Hampden & Co. plc | See 1.11 |
| Handelsbanken | The Branch office instructing you. |
| Harpenden Building Society | Completions@harpendenbs.co.uk |
| Hinckley and Rugby Building Society | Principal Office, Completions Team either by email or post. Please note there is not a Fax facility. |
| Hodge | Only signed and fully completed certificates will accepted. These should be emailed to completions@hodge.co.uk |
| Hodge Equity Release | Only signed and fully completed certificates will accepted. These should be emailed to completions@hodge.co.uk |
| Holmesdale Building Society | Lender. |
| HSBC UK Bank plc | See 10.2b |
| Intelligent Finance |
Securities, Intelligent Finance, PO Box 890, Leeds, LS1 9UG |
| Investec Bank plc | See 1.11 |
| ITL Mortgages |
Completions Dept. Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR Tel. 02476 839357 Fax. 024 76839275 |
| JPMorgan Chase Bank, N.A. | This office issuing Mortgage Instructions. |
| Kensington Mortgage Company Ltd | The original certificate of title is required to be sent to : Kensington Mortgages, New Business Operations Centre, Ascot House, Maidenhead Office Park, Maidenhead, SL6 3QQ. |
| Kent Reliance (a trading name of OneSavings Bank plc) | See 1.11a. |
| Keystone Property Finance | As 1.11a |
| Landbay Partners Limited |
The Certificate of Title should be submitted online using the 'Submit e-COT' button on the instruction email. |
| Landmark Mortgages Limited |
New Mortgage Completions Landmark Mortgages PO Box 656 Durham DH1 9LY Tel - 0330 159 7152 |
| Leeds Building Society | As per 1.11a. |
| Legal & General Home Finance Ltd | Completions Department. |
| LendInvest | See 1.11a |
| LiveMore Capital | The completed and signed Certificate of Title should be scanned and sent to servicing@livemorecapital.com |
| Lloyds Bank plc pre fixed 20/40 | By fax to Mortgage Processing. Please see 1.11a. |
| Lloyds Bank plc pre fixed 50/30/77 | By fax to Mortgage Processing. Please see 1.11a |
| Lloyds TSB Scotland plc | 0845 609 8848 |
| M&S Bank | M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322 |
| Magellan Homeloans |
Magellan Homeloans Ashcombe House 5 The Crescent Leatherhead, Surrey, KT22 8DY |
| Manchester Building Society | Mortgage Processing Department. |
| Market Harborough Building Society |
As per 1.7 |
| Masthaven Bank | As per 1.11. |
| Metro Bank plc |
mortgagecompletions@metrobank.plc.uk. A minimum of 5 working days notice must be provided to Metro Bank to submit a certificate of title. If it is submitted before this timeframe, it will be rejected. |
| ModaMortgages | The certificate of title should be submitted via email to completions@modamortgages.co.uk. Please include the Mortgage Reference Number which is on the first page of the Mortgage Offer. |
| Molo Finance |
cots@molofinance.com. If a reinspection is required, we require to be notified as soon as the property is ready for final inspection, we will be unable to complete prior to reinspection |
| Monmouthshire Building Society |
E-mail - sols@monbs.com |
| Mortgage Agency Services | Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY |
| Mortgage Express | As 1.11a |
| Mortgage Express No 2 | |
| MPowered Mortgages | As 1.11a |
| National Counties Building Society |
Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL Email: loansunderwriting@ncbs.co.uk |
| National Westminster Bank plc |
For cases where you have been instructed through the LMS portal the certificate of title must be submitted through the LMS portal. In all other cases Mortgage Centre - As detailed above in 1.11. Offset Flexible Mortgage - NatWest Offset Completions Team, Ground Floor, Lakeside 300 Old Chapel Way Broadland Business Park NORWICH NR7 0WG Telephone: 0345 300 4012 Fax: 0845 366 0498 |
| Nationwide Building Society |
Issuing Office |
| Nedbank Private Wealth Ltd | To us - this may be sent via email initially but we will require the original signed copy |
| New Street Mortgages |
New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW. Tel: 0333-300-3100, Fax: 0333-300-3132, email: enquiries@newstreetmortgages.com |
| NRAM Ltd | See 1.11a |
| Paragon Buy to Let Mortgages |
As 1.11a. |
| Paragon Residential Owner-Occupied Mortgages | As 1.11a. |
| Paratus AMC Ltd |
New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA email: FHL@foundationhomeloans.co.uk Tel: 0344 770 8033 |
| Parity Trust | As 1.7 |
| Pepper Money | Please send to Pepper Money, Completions Department via e-mail: lendingenquiries@pepper.money |
| Pepper Money (PUK) | Yes, please send to Pepper Money, Completions Department via e-mail: lendingenquiries@pepper.money |
| Perenna |
All Certificates of Title must be submitted in electronic form using the Lender Exchange Portal. Certificates of Title submitted via any other method or in any other form will not be accepted. You should not submit your Certificate of Title without first confirming with your customer that all pre-completion queries have been resolved. We require your Certificate of Title to be submitted with no less than 5 full working days’ notice. For example, if you submit a Certificate of Title on a Monday, the earliest completion day would be the following Monday PLEASE NOTE: Where less than 5 full working days is required for completion an exception process must be followed. Contact must be made to the Mortgage team by either telephone: 0330 341 2013 or Email: conveyancing@perenna.co.uk advising the nature of the exception required and rationale. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
The office issuing Mortgage Instructions. |
| Precise Mortgages (Charter Court Financial Services Ltd) | See 1.11a. |
| Principality Building Society |
Completions Team Mortgage New Business PO Box 89 Queen Street CARDIFF CF10 1UA 0330 333 4021 NOTE: Only signed and fully completed certificates will accepted. Completed certificates may also be scanned and emailed to: completions@principality.co.uk |
| Reliance Bank Ltd | To the lender via e-mail Mortgages@reliancebankltd.com |
| Rooftop Mortgages Ltd |
The address and contact details shown on the mortgage offer. All special conditions must be satisfied prior to submission and we must be in receipt of the Certificate of Title at least 7 working days prior to the anticipated completion date. |
| Saffron Building Society |
Mortgage Team Saffron Building Society, Saffron House, 1A. Market Street, Saffron Walden, Essex. CB10 1HX Mortgage.processing@saffronbs.co.uk Fax 01799 581901 Please check our letter of instruction for details of our requirements prior to release of funds |
| Sainsbury's Bank | Contact point as detailed in 1.11a or faxed to 0345 111 0323 |
| Santander UK plc | The Mortgage Operations office instructing you. |
| Scottish Building Society |
Head Office Mortgage Department. |
| Scottish Widows Bank | New Business Processing (see 1.11a). |
| Secure Trust Bank PLC | As 1.11 |
| Skipton Building Society | Completions Team by email to completions@skipton.co.uk |
| St James Place Bank | Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS |
| State Bank of India UK | As 1.11a. |
| Swansea Building Society |
11/12 Cradock Street Swansea SA1 3EW 01792 739100 |
| The Mortgage Business |
By fax to Fax no. 0845 1221034 by post to Completions, Mortgage Services, Trinity Road, Halifax HX1 2RG |
| The Mortgage Lender Limited |
completions@themortgagelender.com Tel: 0344 257 0426 |
| The Mortgage Works | Originations |
| The Royal Bank of Scotland plc |
For cases where you have been instructed through the LMS portal the certificate of title must be submitted through the LMS portal. In all other cases Mortgage Centre - As detailed above in 1.11. Offset Flexible Mortgage - RBS Offset Completions Team, Ground Floor, Lakeside 300 Old Chapel Way Broadland Business Park NORWICH NR7 0WG Telephone: 0345 300 4013 Fax: 0845 366 0498 |
| The Royal Bank of Scotland plc Direct Line Mortgages | mon.completions@natwest.com |
| The Royal Bank of Scotland plc Direct Line One | Faxed to 0870 400 9608 for new customers. Faxed to 01603 707539 for existing customers changing security. |
| The Royal Bank of Scotland plc First Active | mon.completions@natwest.com |
| The Royal Bank of Scotland plc Natwest one Account | mon.completions@natwest.com |
| The Royal Bank of Scotland plc One Account | mon.completions@natwest.com |
| The Royal Bank of Scotland plc Virgin One | mon.completions@natwest.com |
| The Tipton & Coseley Building Society |
Mortgage Department. Please do not fax the COT. Submission should be by email to completionsteam@thetipton.co.uk |
| Together Personal Finance Limited |
Completions Team Together Personal Finance Limited 1st Floor, Lake View Lakeside Cheadle Cheshire SK8 3GW Email: completions@togethermoney.com Tel: 0161-933-7042 (ask for Completions team) |
| Topaz Finance Ltd |
Topaz Finance Limited Gateway House, Gargrave Road, Skipton, North Yorkshire, BD23 2HL 0345 389 1672 |
| TSB Bank plc | Please submit an ECoT as per 10.2b |
| Ulster Bank |
As detailed above in 1.11. |
| Vida Homeloans | As 1.11a |
| Virgin Money | By email to cots@virginmoney.com |
| Whistletree (a trading name of TSB Bank plc) | Details as 1.11a |
| Yorkshire Bank Home Loans Ltd |
For cases where you have been instructed through the LMS portal the certificate of title must be submitted through the LMS portal. For all other cases: The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 cybg.completions@cybg.com |
| Yorkshire Building Society | As 1.11a. |
| Zephyr Homeloans | As per 1.11 |