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Question: 5.4.4. Does the lender want to receive environmental or contaminated land reports?
| Lender | Answer |
|---|---|
| Accord Buy to Let | No. |
| Accord Mortgages Ltd | No |
| Adam & Company | Yes |
| Adam & Company International |
Yes |
| Ahli United Bank (UK) plc | Yes |
| Aldermore Bank PLC | No, unless the report indicates matters requiring further investigation or if the content is likely to affect the security. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | If enquiries reveal concern regarding environmental or contaminated land issues, refer to Legal & Central Securities, GB |
| April Mortgages | No, unless specified in the mortgage offer or unless the valuer asks in his valuation report (and a copy of the valuation report is sent to you), or if such reports indicate that our security may be adversely affected. If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation. |
| Atom Bank plc | No, unless specified in the mortgage offer or unless the valuer asks in his valuation report (and a copy of the valuation report is sent to you), or if such reports indicate that our security may be adversely affected. If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation. |
| Aviva Equity Release UK Ltd | Yes |
| Bank of China | No unless the valuer asks in his valuation report and then please report full details of any concerns to mortgages@bank-of-china.com |
| Bank of Ireland (UK) plc | Yes, but only if they have been obtained as a result of any contaminated land entries revealed in the Local Authority search. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes, but only if they have been obtained as a result of any contaminated land entries revealed in the Local Authority search. |
| Bank of Scotland Beginning A | No |
| Bank of Scotland Beginning O | No |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | Please do not provide the results of desktop searches. Only the results of any invasive or investigative reports should be provided should you deem it necessary to do so following the discovery of a matter which may adversely impact our security. Reports that recommend “next steps or “further investigation” do not have merit. Either follow the recommendations in any desktop reports to their natural conclusion and firmly establish the presence of any adverse factors and report them to us; or decide to proceed regardless and at the conveyancers own risk. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | No. |
| Better HomeOwnership (Mortgages) |
No, unless specified in the mortgage offer or unless the valuer asks in his valuation report (and a copy of the valuation report is sent to you), or if such reports indicate that our security may be adversely affected. If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation. |
| Birmingham Bank | Yes |
| Birmingham Midshires | No |
| Bluestone Mortgages | No, unless specified in the mortgage offer, or if such reports indicate that our security may be adversely affected. |
| Bradford & Bingley Limited | If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation. We require any such reports to be site-specific. |
| Britannia, a trading name of The Co-operative Bank plc | NO, unless the valuer asks in his valuation report(and a copy of the valuation report is sent to you) and please report full details of any concerns to Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX16351 Leek |
| Buckinghamshire Building Society | No |
| Chelsea Building Society (a trading name of Yorkshire BS) | No. |
| CHL Mortgages | Only if we have made a specific request or if any searches you undertake/receive identify any matter which has a negative impact on our proposed security. In all instances these should be retained on your file for review. |
| Clydesdale Bank plc | No,but should draw our attention to any environmental issue that comes to your attention. |
| Co-operative Bank plc | No, unless the valuer asks in his valuation report and the request for an environmental or contaminated land report is set out as a special condition in the Mortgage Offer, a copy of which you will receive. Please report full details of any concerns to us as per the contact details referred to in 1.11a earlier. |
| Coutts |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| Coutts Finance Co |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| Coventry Building Society |
Generally no. In relation to Japanese Knotweed: Whether you need to report the presence of Japanese Knotweed will depend on which Royal Institute of Chartered Surveyors (RICS) category it falls into. The RICS categorisation system changed from 23 March 2022 when new guidance was issued and now consists of Management Categories A-D. The corresponding Risk Category number from the previous system is shown in brackets below (Risk Categories 1-4). You do not need to make the Society aware of Japanese Knotweed in the following circumstances: • Where it falls within RICS Management Category C or D (or Risk Category 1 or 2) • Where a treatment plan has been carried out previously • Where the subject property is currently undergoing treatment for Japanese Knotweed and falls with RICS Management Category A or B (or Risk Category 3 or 4), we will rely on you to check the authenticity of the treatment plan, completion certificate and guarantee. You will need to satisfy yourself that: i. The treatment plan is carried out and monitored by an appropriately qualified individual or company (i.e. the Property Care Association (PCA) or the Invasive Non-Native Specialists Association (INNSA)). ii. All recommended remedial works undertaken are covered by an insurance backed guarantee. iii. This insurance backed guarantee must be for a minimum of 5 years from the point treatment plan has finished, be property specific and transferable to subsequent owners and mortgagees in possession. For block flats, this insurance backed guarantee must be specific to the block and in the name of the applicable freeholder and/or management company. You do need to advise us if the presence of Japanese Knotweed falls within RICS Management Category A or B (or Risk Category 3 or 4) and one or more of the above requirements (i-iii) cannot be evidenced. In these circumstances: • RICS Management Categories A or B. The offer will be withdrawn • Risk Categories 3 or 4. We will require a new and updated specialist’s report dated within the last 3 months and carried out by INNSA or PCA. This will be referred to our internal valuers for comment to establish whether a treatment plan is still required. Where this is found to be the case, the offer will be withdrawn The 2022 RICS Guidance Note can be found here: https://www.rics.org/globalassets/rics-website/media/upholding-professional-standards/sector-standards/real-estate/japanese-knotweed-and-residential-property-1st-edition-feb-2022.pdf RADON GAS You do not need to report to us if the local search reveals that the property is in a radon gas area. You should however advise the applicant that in some circumstances radon gas is considered to be a health hazard and that we recommend that a test be carried out by Public Health England (PHE) and that any recommendations for remedial work are carried out. You should also advise the applicant that further information on how to manage radon in buildings can be obtained from the UKradon website. The application can proceed provided the applicants have been informed and are happy to proceed at their own risk. |
| Cynergy Bank | Yes. |
| Danske Bank |
We will only require environmental or ancillary reports in the following circumstances: • Where we have specified this in the mortgage offer; • The valuer has specified in his valuation report (and a copy of the valuation report is sent to you); or • If such reports (e.g. a Local Authority Search) indicate that our security may be adversely affected. If you do obtain an environmental or contaminated land report which contains information you believe will affect our security please notify us and forward a copy of the report with your recommendation. |
| Darlington Building Society | No |
| DB UK Bank Ltd | No |
| Dudley Building Society | No - simply advise us of entries in the local authority searches relating to contamination. |
| Ecology Building Society | No |
| Family Building Soc (a trading name of National Counties BS) | No. |
| First Direct |
Japanese Knotweed - You will need to advise the Bank if you become aware that there is, may be or has previously been Japanese Knotweed identified on or near the property (within 3m of the boundary) and this is not noted on the valuation. Where Japanese Knotweed has not been identified within the boundaries of the property to be mortgaged to the Bank, but is present on neighbouring land within 3 metres from the boundary, we will rely on the Valuer to assess if there is any impact on the valuation. Where Japanese Knotweed has been identified within the boundaries of the property being mortgaged to the Bank, we can only proceed if any damage to outbuildings, paths and fences is minor. We will rely on the Valuer to assess whether there is any visible damage to structure or outbuildings, or whether it is causing any restrictions to the access of amenity space. If the answer to either of these is yes, a Japanese Knotweed Survey is required and we will require the following: • A Treatment plan which has been fully completed by an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association • A Completion Certificate that confirms the weed has already been fully remediated with a minimum 10 year insurance backed guarantee in place which should commence on the date of completion of treatment • A copy of the treatment plan, completion certificate and guarantee are to be provided to the Valuer for their confirmation that the property is suitable for mortgage security and whether there is any impact on the valuation of the property |
| Fleet Mortgages |
No. We expect to be informed, however, if any searches identify any matter which has an impact upon our proposed security. |
| Foundation Home Loans |
No; unless the result of your searches and enquiries identifies any matter which may affect our security in which case please forward the report together with your recommendations. |
| Furness Building Society |
Only if such reports indicate that the Society's security may be adversely affected or if they are a requirement of the offer of mortgage. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H | No. In accordance with 5.4.1 you must report any adverse entry to us but we do not want to be sent the search itself, unless you feel this is essential in reporting the adverse matter. We do expect the borrower to make full disclosure of any adverse entry to their insurer prior to completion. If they cannot obtain insurance under normal terms, this must be reported to us. |
| Godiva Mortgages Ltd |
Generally no. In relation to Japanese Knotweed: Whether you need to report the presence of Japanese Knotweed will depend on which Royal Institute of Chartered Surveyors (RICS) category it falls into. The RICS categorisation system changed from 23 March 2022 when new guidance was issued and now consists of Management Categories A-D. The corresponding Risk Category number from the previous system is shown in brackets below (Risk Categories 1-4). You do not need to make the Society aware of Japanese Knotweed in the following circumstances: • Where it falls within RICS Management Category C or D (or Risk Category 1 or 2) • Where a treatment plan has been carried out previously • Where the subject property is currently undergoing treatment for Japanese Knotweed and falls with RICS Management Category A or B (or Risk Category 3 or 4), we will rely on you to check the authenticity of the treatment plan, completion certificate and guarantee. You will need to satisfy yourself that: i. The treatment plan is carried out and monitored by an appropriately qualified individual or company (i.e. the Property Care Association (PCA) or the Invasive Non-Native Specialists Association (INNSA)). ii. All recommended remedial works undertaken are covered by an insurance backed guarantee. iii. This insurance backed guarantee must be for a minimum of 5 years from the point treatment plan has finished, be property specific and transferable to subsequent owners and mortgagees in possession. For block flats, this insurance backed guarantee must be specific to the block and in the name of the applicable freeholder and/or management company. You do need to advise us if the presence of Japanese Knotweed falls within RICS Management Category A or B (or Risk Category 3 or 4) and one or more of the above requirements (i-iii) cannot be evidenced. In these circumstances: • RICS Management Categories A or B. The offer will be withdrawn • Risk Categories 3 or 4. We will require a new and updated specialist’s report dated within the last 3 months and carried out by INNSA or PCA. This will be referred to our internal valuers for comment to establish whether a treatment plan is still required. Where this is found to be the case, the offer will be withdrawn The 2022 RICS Guidance Note can be found here: https://www.rics.org/globalassets/rics-website/media/upholding-professional-standards/sector-standards/real-estate/japanese-knotweed-and-residential-property-1st-edition-feb-2022.pdf RADON GAS You do not need to report to us if the local search reveals that the property is in a radon gas area. You should however advise the applicant that in some circumstances radon gas is considered to be a health hazard and that we recommend that a test be carried out by Public Health England (PHE) and that any recommendations for remedial work are carried out. You should also advise the applicant that further information on how to manage radon in buildings can be obtained from the UKradon website. The application can proceed provided the applicants have been informed and are happy to proceed at their own risk. |
| Habito | No |
| Halifax | No |
| Halifax Loans Ltd |
No |
| Hampden & Co. plc | Yes |
| Handelsbanken | Yes, but only if the reports indicate matters requiring further investigation or if the content is likely to affect the security. |
| Harpenden Building Society | Yes, if available. |
| Hinckley and Rugby Building Society | We would only wish to receive an Environmental or Contaminated Land Report if there is an adverse contaminated land entry revealed in the local authority search. |
| Hodge | Only in cases where further enquires are recommended in the report or where the valuer asks in his valuation report for enquiries to be made or the Local Land Charge Search result indicates that the land is listed in the contaminated land register |
| Hodge Equity Release |
Only in cases where further enquires are recommended in the report or where the valuer asks in his valuation report for enquiries to be made or the Local Land Charge Search result indicates that the land is listed in the contaminated land register. |
| Holmesdale Building Society | only if the searches reveal the security is affected. |
| HSBC UK Bank plc |
Japanese Knotweed - You will need to advise the Bank if you become aware that there is, may be or has previously been Japanese Knotweed identified on or near the property (within 3m of the boundary) and this is not noted on the valuation. Where Japanese Knotweed has not been identified within the boundaries of the property to be mortgaged to the Bank but is present on neighbouring land within 3 metres from the boundary, we will rely on the Valuer to assess if there is any impact on the valuation. Where Japanese Knotweed has been identified within the boundaries of the property being mortgaged to the Bank, we can only proceed if any damage to outbuildings, paths and fences is minor. We will rely on the Valuer to assess whether there is any visible damage to structure or outbuildings, or whether it is causing any restrictions to the access of amenity space. If the answer to either of these is yes, a Japanese Knotweed Survey is required and we will require the following: • A Treatment plan which has been fully completed by an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association • A Completion Certificate that confirms the weed has already been fully remediated with a minimum 10 year insurance backed guarantee in place which should commence on the date of completion of treatment • A copy of the treatment plan, completion certificate and guarantee are to be provided to the valuer for their confirmation that the property is suitable for mortgage security and whether there is any impact on the valuation of the property |
| Intelligent Finance | No |
| Investec Bank plc | No, but you should notify us if any matters arise in the report that may affect our security and you should retain a copy in the file of original deal documents that you hold for the Bank. |
| ITL Mortgages |
Generally no. In relation to Japanese Knotweed: Whether you need to report the presence of Japanese Knotweed will depend on which Royal Institute of Chartered Surveyors (RICS) category it falls into. The RICS categorisation system changed from 23 March 2022 when new guidance was issued and now consists of Management Categories A-D. The corresponding Risk Category number from the previous system is shown in brackets below (Risk Categories 1-4). You do not need to make the Society aware of Japanese Knotweed in the following circumstances: • Where it falls within RICS Management Category C or D (or Risk Category 1 or 2) • Where a treatment plan has been carried out previously • Where the subject property is currently undergoing treatment for Japanese Knotweed and falls with RICS Management Category A or B (or Risk Category 3 or 4), we will rely on you to check the authenticity of the treatment plan, completion certificate and guarantee. You will need to satisfy yourself that: i. The treatment plan is carried out and monitored by an appropriately qualified individual or company (i.e. the Property Care Association (PCA) or the Invasive Non-Native Specialists Association (INNSA)). ii. All recommended remedial works undertaken are covered by an insurance backed guarantee. iii. This insurance backed guarantee must be for a minimum of 5 years from the point treatment plan has finished, be property specific and transferable to subsequent owners and mortgagees in possession. For block flats, this insurance backed guarantee must be specific to the block and in the name of the applicable freeholder and/or management company. You do need to advise us if the presence of Japanese Knotweed falls within RICS Management Category A or B (or Risk Category 3 or 4) and one or more of the above requirements (i-iii) cannot be evidenced. In these circumstances: • RICS Management Categories A or B. The offer will be withdrawn • Risk Categories 3 or 4. We will require a new and updated specialist’s report dated within the last 3 months and carried out by INNSA or PCA. This will be referred to our internal valuers for comment to establish whether a treatment plan is still required. Where this is found to be the case, the offer will be withdrawn The 2022 RICS Guidance Note can be found here: https://www.rics.org/globalassets/rics-website/media/upholding-professional-standards/sector-standards/real-estate/japanese-knotweed-and-residential-property-1st-edition-feb-2022.pdf RADON GAS You do not need to report to us if the local search reveals that the property is in a radon gas area. You should however advise the applicant that in some circumstances radon gas is considered to be a health hazard and that we recommend that a test be carried out by Public Health England (PHE) and that any recommendations for remedial work are carried out. You should also advise the applicant that further information on how to manage radon in buildings can be obtained from the UKradon website. The application can proceed provided the applicants have been informed and are happy to proceed at their own risk. |
| JPMorgan Chase Bank, N.A. | No. |
| Kensington Mortgage Company Ltd | No, unless the Offer states otherwise. |
| Kent Reliance (a trading name of OneSavings Bank plc) |
No, simply advise us of entries revealed in the local authority or other searches relating to contamination which may have an impact on our lending decision. JAPANESE KNOTWEED Where Japanese Knotweed (the “Weed”) has been identified within the boundaries of the property being mortgaged to the Bank, we can only proceed if, prior to completion of the loan, the Weed is: a) categorised as Category C (pursuant to the relevant RICS guidance in force and as amended from time to time) whereby the Weed is not preventing use of or restricting access to amenity space and any damage to outbuildings, paths and fences is minor; and b) subject to an appropriate management/treatment plan in place before completion. If the Weed is Category C, you must satisfy yourselves that the borrower has provided: • a transferable treatment plan issued by an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association (“Qualified Person”). Such plan to be provided to the valuer prior to completion of the loan for confirmation that the property is suitable for mortgage security and whether there is any impact on the valuation of the property; and • a transferable completion certificate issued by a Qualified Person that confirms the weed has already been fully remediated with a minimum 10 year insurance backed guarantee in place which should commence on the date of completion of treatment. Such certificate and guarantee to be provided to the Bank or yourselves either prior to completion of the loan, if available, or as soon as possible after completion of the treatment in accordance with such plan. If the Weed has been identified as Category D, whereby the Weed is outside the boundary of the property, we can proceed without a treatment plan. MUNDIC PROPERTY Where the property has been identified to be constructed from Mundic Concrete, we can only proceed if: a) you confirm it is categorised as Classes A, A/B, A1, A2 or A3 pursuant to the relevant Royal Institution of Chartered Surveyors’ guidance (the “Accepted Categories) RICS Professional Guidance, The Mundic Problem (3rd Edition) and b) the Valuer has seen a copy of the relevant Mundic report acceptable to the Bank and confirms the value of the property is not affected with such identification and no threat is posed to the Bank’s security. In those circumstances, you must satisfy yourselves that, prior to completion of the loan, the borrower has provided to the Bank and yourselves: EITHER a Mundic Concrete report for the relevant Accepted Category in respect of the property, issued by a qualified RICS Building Surveyor (the “Surveyor”) which is addressed to the Borrower, noting the interest of the Bank and benefitting successors in title including mortgagees (the “Mundic Report”); OR - If an existing Mundic report for the relevant Accepted Category is dated after 1 January 1997 - an assignment to the Borrower (including mortgagees and successors in title) of such report by the same issuing Surveyor; OR - If the Mundic report predates 1 January 1997 or it is dated after 1 January 1997 but cannot be assigned by the same original Surveyor - a new Mundic Report. TOGETHER WITH all supporting documents (including any existing or assigned Mundic report) to the Valuer to ensure the property is suitable for mortgage security and there is no impact on the valuation. For the avoidance of doubt, the Bank will not accept any of the following Mundic Concrete categories: B or C. |
| Keystone Property Finance | No; unless the result of your searches and enquiries identifies any matter which may affect our security in which case please forward the report together with your recommendations |
| Landbay Partners Limited |
No. Where one is required you should be satisfied that it confirms no risk to us and that it is retained for information. We will not lend where the security property is located within a high flood risk area. |
| Landmark Mortgages Limited | No |
| Leeds Building Society | No. The Borrower must feel satisfied that the contents of the Environmental Report meets their requirements and that they are happy to proceed in full knowledge of what is reported. |
| Legal & General Home Finance Ltd | Yes. |
| LendInvest | No, If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation. |
| LiveMore Capital | We require the Energy Performance Certificate rating for all purchase mortgages and, if available, for remortgages. We only require contaminated land reports if stated in the offer. |
| Lloyds Bank plc pre fixed 20/40 | No. |
| Lloyds Bank plc pre fixed 50/30/77 | No |
| Lloyds TSB Scotland plc | No |
| M&S Bank |
Japanese Knotweed - You will need to notify us if you become aware that there is, may be or has previously been Japanese Knotweed identified on or near the property. Where Japanese Knotweed has not been identified within the boundaries of the property to be mortgaged to us, but is present on neighbouring land over 7 metres from the boundary, we will rely on the valuer to advise whether the property is suitable security. Where Japanese Knotweed has been identified within the boundaries of the property being mortgaged to us or on neighbouring land within 7 metres of the boundary, but is more than 7 metres from the habitable space being used as security, we can only proceed if any damage to outbuildings, paths and fences is minor. We will rely on the valuer to confirm whether a Japanese Knotweed Survey is required and will require the following: 1. A fully paid up Treatment plan which has commenced with an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association 2. A minimum 10 year insurance backed guarantee can be provided on completion of the works. Where Japanese Knotweed has been identified within 7 metres of a habitable space at the property (either within the boundary of the property being mortgaged to us or on neighbouring land) and/or the Japanese Knotweed has caused serious damage to outbuildings, paths and boundary walls, a Japanese Knotweed Survey is required in addition to the following: 1. A Treatment plan which has been fully completed by an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association 2. A Completion Certificate that confirms that the weed has already been fully remediated with a minimum 10 year insurance backed guarantee in place All documents relating to Japanese Knotweed will be provided to the valuer for their confirmation that the property is suitable for mortgage security and whether there is an impact on the valuation of the property. |
| Magellan Homeloans | If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation to the address in 1.11. |
| Manchester Building Society | Yes. |
| Market Harborough Building Society | No |
| Masthaven Bank | No, unless specified in the mortgage offer, or if such reports indicate that our security may be adversely affected. |
| Metro Bank plc | Only if such reports indicate that the Bank's security may be adversely affected or if they are a requirement of the offer of mortgage. |
| ModaMortgages |
No, simply advise us of entries revealed in the local authority or other searches relating to contamination which may have an impact on lending decisions. JAPANESE KNOTWEED Where a property is affected by Japanese Knotweed we will be unable to proceed. MUNDIC CONCRETE Where the property has been identified to be constructed from Mundic Concrete, we will be unable to proceed. |
| Molo Finance |
Yes, you must carry out contaminated land searches and environmental searches appropriate to the Property, its location and any use or former use of the land on which it is situated. We do not need to receive the reports. For remortgages please refer additionally to section 5.4.6. |
| Monmouthshire Building Society | Only in cases where further enquires are recommended in the report or where the valuer asks in his vaulation report for enquiries to be made or the Local Land Charge Search result indicates that the land is listed in the contaminated land register. |
| Mortgage Agency Services | Yes |
| Mortgage Express | If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation in accordance with 2.3. We require any such reports to be site-specific. |
| Mortgage Express No 2 | |
| MPowered Mortgages |
Generally no. Radon: Where our valuers, or as a result of environmental or contaminated land report identify the area of property as being high risk for Radon, the solicitor must confirm and record that the customer has been fully informed of the Radon levels and associated risks. We do not however expect this or the environmental report to be provided, the solicitors should hold to order. |
| National Counties Building Society | No. |
| National Westminster Bank plc |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| Nationwide Building Society |
We do not require environmental or ancillary reports (e.g. flooding, contamination, and energy and infrastructure reports) that you have requested for the borrower, even if adverse information is revealed, provided the borrower is aware and you have advised them that full disclosure must be made to the insurer prior to completion and they must obtain insurance under normal terms. We also do not need to be made aware that the property is in close proximity to HS2. EPC: We do not need to be made aware of the EPC rating: MATTERS THAT MUST BE REPORTED TO US You must report to us contaminated land issues from the local search which have not been remedied. RADON GAS: Area details: If a local search highlights that the property is in a radon gas area, we do not need to be made aware, however the applicants must be advised, and the case can proceed at their own risk. Property Specific: If a local search reveals that the subject property has been highlighted as having a high radon level, then please refer this to us and we will seek advice from the valuer. MINING: Please send us any mining report which shows a mine entry or adit within 20 meters of the property or if there has ever been a subsidence claim. For these cases we will also need an interpretive report and buffer report so please provide all of these reports at the same time. MUNDIC: Where the property is situated within any of the following postcodes please follow the below instructions; PL10, PL11, PL12, PL13, PL14, PL15, PL16, PL17, PL18, PL22, PL23 You must ask the Borrower whether they have a Mundic Report for the property, if yes, you must confirm that this report provides a certification of one of A (regardless of whether A1, A2 etc.). If the certification is A/B this must be referred to the issuing office. B or C’s must be declined. If they do not have a Mundic Report and the property was built prior to 1965, then please refer to the issuing office and await further instructions. FIRE RISK ASSESSMENT (FRA): Where the security is situated in a block of flats, you will be required to obtain information regarding the contents of the most recent FRA (Fire Risk Assessment). You must confirm through the Managing Agent/Freeholder/Principle Accountable Person that the FRA is still in date, meaning the review or reinspection date as recommended by the Fire Safety Inspector cannot be in the past, where there is no current, in date FRA for the block then this is unacceptable and must be declined. Where the block is required to have an FRA and does not, this is unacceptable to us and must be declined. You must also seek confirmation from the Managing Agent/Freeholder/Principle Accountable Person whether there are any outstanding recommended works (those that are yet to be completed). You are required to obtain full details of the outstanding recommendations, the anticipated timeframes for completing these items and what, if any, costs are to be met by the leaseholder. Then refer back to Issuing Office with this information to allow us to review. Please do not send us a copy of the FRA. |
| Nedbank Private Wealth Ltd | The instruction letter will tell you if we want environmental or contaminated land reports. They are also to be provided if recommended by the valuer. |
| New Street Mortgages |
No, but you must report any material issues which could affect the proposed security |
| NRAM Ltd | No |
| Paragon Buy to Let Mortgages |
Yes, you must carry out contaminated land searches and environmental searches appropriate to the Property, its location and any use or former use of the land on which it is situate. Please place these with title documents. You will need to advise us if you become aware that there is, may be or has previously been Japanese Knotweed identified within the boundary of the property or within 7 metres of the boundary. We will only consider lending once the weed has been eradicated and a completion certificate for the treatment has been issued together with a guarantee for a minimum period of 10 years. The documents will need to be submitted to us for consideration and we will refer to our valuer, who will follow the RICS guidelines to access the risk, before we confirm whether we will be able to proceed. |
| Paragon Residential Owner-Occupied Mortgages | Yes, you must carry out contaminated land searches and environmental searches appropriate to the Property, its location and any use or former use of the land on which it is situate. |
| Paratus AMC Ltd |
No; unless the result of your searches and enquiries identifies any matter which may affect our security in which case please forward the report together with your recommendations. |
| Parity Trust | No |
| Pepper Money | Yes, 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 | No, unless specified in the mortgage offer or unless the valuer asks in his valuation report (and a copy of the valuation report is sent to you), or if such reports indicate that our security may be adversely affected. If you obtain an environmental or contaminated land report which contains information you believe will affect our security, please forward a copy of the report along with your recommendation. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
NO, unless the valuer asks in his valuation report(and a copy of the valuation report is sent to you) and please report full details of any concerns to office issuing mortgage instructions |
| Precise Mortgages (Charter Court Financial Services Ltd) |
No, simply advise us of entries revealed in the local authority or other searches relating to contamination which may have an impact on our lending decision. JAPANESE KNOTWEED Where Japanese Knotweed (the “Weed”) has been identified within the boundaries of the property being mortgaged to us, we can only proceed if, prior to Completion of the loan, the Weed is: a) categorised as Category C (pursuant to the relevant RICS guidance in force and as amended from time to time) whereby the Weed is not preventing use of or restricting access to amenity space and any damage to outbuildings, paths and fences is minor; and b) subject to an appropriate management/treatment plan in place before Completion. If the Weed is Category C, you must satisfy yourselves that the Borrower has provided: • a transferable treatment plan issued by an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association (“Qualified Person”). Such plan to be provided to the valuer prior to Completion of the loan for confirmation that the Property is suitable for mortgage security and whether there is any impact on the valuation of the Property; and • a transferable completion certificate issued by a Qualified Person that confirms the weed has already been fully remediated with a minimum 10 year insurance backed guarantee in place which should commence on the date of completion of treatment. Such certificate and guarantee to be provided to us or yourselves either prior to Completion of the loan, if available, or as soon as possible after completion of the treatment in accordance with such plan. If the Weed has been identified as Category D, whereby the Weed is outside the boundary of the Property, we can proceed without a treatment plan. MUNDIC CONCRETE Where the Property has been identified to be constructed from Mundic Concrete, we can only proceed if: a) you confirm it is categorised as Classes A, A/B, A1, A2 or A3 pursuant to the relevant Royal Institution of Chartered Surveyors’ guidance (the “Accepted Categories) RICS Professional Guidance, The Mundic Problem (3rd Edition) and b) the Valuer has seen a copy of the relevant Mundic report acceptable to us and confirms the value of the Property is not affected with such identification and no threat is posed to our security. In those circumstances, you must satisfy yourselves that, prior to Completion of the loan, the Borrower has provided to us and yourselves: EITHER a Mundic Concrete report for the relevant Accepted Category in respect of the Property, issued by a qualified RICS Building Surveyor (the “Surveyor”) which is addressed to the Borrower, noting our interest and benefitting successors in title including mortgagees (the “Mundic Report”); OR - If an existing Mundic report for the relevant Accepted Category is dated after 1 January 1997 - an assignment to the Borrower (including mortgagees and successors in title) of such report by the same issuing Surveyor; OR - If the Mundic report predates 1 January 1997 or it is dated after 1 January 1997 but cannot be assigned by the same original Surveyor - a new Mundic Report. TOGETHER WITH all supporting documents (including any existing or assigned Mundic report) to the Valuer to ensure the Property is suitable for mortgage security and there is no impact on the valuation. For the avoidance of doubt, we will not accept any of the following Mundic Concrete categories: B or C. |
| Principality Building Society | Yes, if adverse contaminated land entry revealed in Local Authority Search or if recommended by the valuer |
| Reliance Bank Ltd | Only if recommended in the valuation reports |
| Rooftop Mortgages Ltd |
No unless the valuer requests such reports in his valuation report. In which case you should send such reports to the address and contact details shown on the mortgage offer No unless the valuer requests such reports in his valuation report. In which case you should send such reports to the address and contact details shown on the mortgage offer. |
| Saffron Building Society |
No, unless specified in the mortgage offer; OR the valuer asks for environmental or contaminated land reports in their valuation report; OR The environmental or contaminated land report that you have obtained indicates matters requiring further investigation or indicates our security may be adversely affected. If you need to refer these reports, please do so at: Mortgage Processing Team Saffron Building Society, Saffron House, 1A. Market Street, Saffron Walden, Essex. CB10 1HX Mortgage.processing@saffronbs.co.uk Telephone 01799 582966 Fax 01799 581901 |
| Sainsbury's Bank | No, although please let us know immediately (using the contact details given in 1.11a above) if the Local Authority Search discloses any information relating to contaminated land. You should not submit your Certificate of Title until such time as we have confirmed we are happy to proceed. |
| Santander UK plc | No,unless the valuer asks in his valuation report (and a copy of the valuation report is sent to you) for enquiries to be made. If he does then you should send details to the Mortgage Operations office instructing you. |
| Scottish Building Society | Yes, if such reports indicate that the Society's security may be adversely affected of if they are a requirement of the mortgage offer. |
| Scottish Widows Bank | No. |
| Secure Trust Bank PLC | No. |
| Skipton Building Society |
No, except where matters requiring further investigation are indicated in which case please send the Consultants Certificate only. |
| St James Place Bank | No. |
| State Bank of India UK | Only in cases where future enquiries are recommended in the report or where the valuer asks in his/her valuation report for enquiries to be made or the Local Land Charge Search result indicates that the land is listed in the contaminated land register. Where one is required, you should be satisfied that it confirms no risk to us and that it is retained for information. Please also note that SBI UK may obtain cover for this on a search indemnity basis. |
| Swansea Building Society |
Only if such reports indicate that the Society's security may be adversely affected or if they are a requirement of the offer of mortgage. |
| The Mortgage Business | No |
| The Mortgage Lender Limited | No. We expect to be informed, however, if any searches identify any matter which has an impact upon our proposed security. |
| The Mortgage Works |
We do not require environmental or ancillary reports (e.g. flooding, contamination and energy and infrastructure reports) that you have requested for the borrower, even if adverse information is revealed, provided the borrower is aware and you have advised them that full disclosure must be made to the insurer prior to completion and they must obtain insurance under normal terms. We also do not need to be made aware that the property is in close proximity to HS2. MATTERS THAT MUST BE REPORTED TO US You must report to us contaminated land issues from the local search which have not been remedied. EPC: You must inform us if the property is F or G rated. RADON GAS: Area details: If a local search highlights that the property is in a radon gas area, we do not need to be made aware, however the applicants must be advised, and the case can proceed at their own risk. Property Specific: If a local search reveals that the subject property has been highlighted as having a high radon level, then please refer this to us and we will seek advice from the valuer. MINING: Please send us any mining report which shows a mine entry or adit within 20 metres of the property or if there has ever been a subsidence claim. For these cases we will also need an interpretive report and buffer report, so please provide all of the reports at the same time MUNDIC: Where the property is situated within any of the following postcodes please follow the below instructions; PL10, PL11, PL12, PL13, PL14, PL15, PL16, PL17, PL18, PL22, PL23 You must ask the Borrower whether they have a Mundic Report for the property, if yes, you must confirm that this report provides a certification of one of A (regardless of whether A1, A2 etc.). If the certification is A/B this must be referred to the issuing office. B or C’s must be declined. If they do not have a Mundic Report and the property was built prior to 1965, then please refer to the issuing office and await further instructions. FIRE RISK ASSESSMENT (FRA): Where the security is situated in a block of flats, you will be required to obtain information regarding the contents of the most recent FRA (Fire Risk Assessment). You must confirm through the Managing Agent/Freeholder/Principle Accountable Person that the FRA is still in date, meaning the review or reinspection date as recommended by the Fire Safety Inspector cannot be in the past, where there is no current, in date FRA for the block then this is unacceptable and must be declined. Where the block is required to have an FRA and does not, this is unacceptable to us and must be declined. You must also seek confirmation from the Managing Agent/Freeholder/Principle Accountable Person whether there are any outstanding recommended works (those that are yet to be completed). You are required to obtain full details of the outstanding recommendations, the anticipated timeframes for completing these items and what, if any, costs are to be met by the leaseholder. Then refer back to Issuing Office with this information to allow us to review. Please do not send us a copy of the FRA. |
| The Royal Bank of Scotland plc |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| The Royal Bank of Scotland plc Direct Line One | No. |
| The Royal Bank of Scotland plc First Active |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| The Royal Bank of Scotland plc Natwest one Account |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| The Royal Bank of Scotland plc One Account |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| The Royal Bank of Scotland plc Virgin One |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| The Tipton & Coseley Building Society |
Yes. Coal Authority/Metalliferous/Mundic reports where requested by the valuer in the valuation report or where the property is in an historic mining area must be forwarded to the Society. If adverse entries are identified these will be forwarded to the valuer for comment and may result in an an amendment to or withdrawal of the Mortgage Offer. |
| Together Personal Finance Limited | No, however acting Solicitor to report on any adverse entries. |
| Topaz Finance Ltd | Not usually, however,we would expect you to carry out all the usual and necessary enquiries in accordance with the guidance in the Law Society warning card. If you have any concerns as a result of your enquiries and searches, please contact Mortgage Services for further instructions. |
| TSB Bank plc | No |
| Ulster Bank |
No Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms. HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters. Mining entry: You do not need to make us aware of a mining interpretive report. If the entry is less than 20 metres the customer must be able to obtain insurance on a normal basis. If you or the clients have any concerns, please refer to the originator of the report. We are happy to proceed if the clients are aware of the implications and you can submit a clear, unqualified Certificate of Title. |
| Vida Homeloans | No, unless the Offer states otherwise. |
| Virgin Money | No. |
| Whistletree (a trading name of TSB Bank plc) | No |
| Yorkshire Bank Home Loans Ltd | No,but you should draw our attention to any environmental issue that comes to your attention. |
| Yorkshire Building Society | No. |
| Zephyr Homeloans | Zephyr does not want to see these. |