Answers for England and Wales

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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.
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.
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:

Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
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 caseupdate@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 working days’ notice.
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 If the Mortgage Reference Number for the case begins with M followed by 9 digits by fax to 0203 357 9151
Ulster Bank As detailed above in 1.11.

Vida Homeloans As 1.11a
Virgin Money By fax to 0345 603 5846
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:

Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
cybg.completions@cybg.com
Yorkshire Building Society As 1.11a.
Zephyr Homeloans As per 1.11