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Question: 5.5.3. If different from 1.11, contact point for reporting if evidence of breach and all outstanding conditions will not be satisfied by completion:
| Lender | Answer |
|---|---|
| Accord Buy to Let |
As 1.11a. Planning and Building Regulations If subsequent changes to the property were made 10 or more years ago and there are no appropriate building and planning consents in place, indemnity insurance can be used if the valuation report does not highlight major concerns or negative commentary. If the breach of planning permission and/or building regulations is still within any applicable enforcement period, you must give us your recommendations on how to proceed. We will need formal confirmation that the property is structurally sound and still a suitable security (an indemnity policy will not replace the requirement for this check to be carried out). Private drainage systems Where private drainage systems exist such as septic tanks and small scale private sewage treatment plants (Package treatment plants). It must be confirmed that the system is compliant with legislation. Systems which are not compliant will not be acceptable. Where systems are shared or run through neighbouring land appropriate legal arrangements should exist for the management, access and maintenance, and details of any demand for payment and/or costs incurred are shared with the customer(s). Systems should be registered with the relevant regional agency where required Houses of Multiple Occupation (HMO’s) & Multi Unit Blocks (MUB's) A multi-unit block or HMO must have all the required consents and licenses. |
| Accord Mortgages Ltd |
As 1.11a Planning and Building Regulations If subsequent changes to the property were made 10 or more years ago and there are no appropriate building and planning consents in place, indemnity insurance can be used if the valuation report does not highlight major concerns or negative commentary. If the breach of planning permission and/or building regulations is still within any applicable enforcement period, you must give us your recommendations on how to proceed. We will need formal confirmation that the property is structurally sound and still a suitable security (an indemnity policy will not replace the requirement for this check to be carried out). Private drainage systems Where private drainage systems exist such as septic tanks and small scale private sewage treatment plants (Package treatment plants). It must be confirmed that the system is compliant with legislation. Systems which are not compliant will not be acceptable. Where systems are shared or run through neighbouring land appropriate legal arrangements should exist for the management, access and maintenance, and details of any demand for payment and/or costs incurred are shared with the customer(s). Systems should be registered with the relevant regional agency where required |
| Adam & Company | see 1.11 |
| Adam & Company International |
See 1.11 |
| Ahli United Bank (UK) plc | Please refer to Central Administration Unit |
| Aldermore Bank PLC |
As 1.11 If the condition is in relation to a title split, as per offer condition this must be registered before completion. You must discuss with your clients the options to create the split. Please provide details of any breach, the risk to the bank and possible solutions to mitigate the risk. |
| 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 | As per 1.11. |
| Aviva Equity Release UK Ltd | See 1.11 |
| Bank of China | mortgages@bank-of-china.com |
| Bank of Ireland (UK) plc | See 1.11 |
| Bank of Ireland as Bank of Ireland Mortgages | See 1.11 |
| Bank of Scotland Beginning A | Bank of Scotland Plc, Mortgage Operations, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ. Tel: 0345 603 1136 Fax: 0131 339 2366 |
| Bank of Scotland Beginning O |
Address and telephone number on the Mortgage Offer. |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | Issuing Office |
| 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 |
If the breach of planning permission and/or building regulations is still within any applicable enforcement period, please notify the Completions Team at the office issuing the mortgage instructions with your recommendations on how to proceed. If not, we do not need to be notified. |
| 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 Tel: 01494 879517 Fax: 01494 877259 |
| Chelsea Building Society (a trading name of Yorkshire BS) |
As 1.11a. Planning and Building Regulations If subsequent changes to the property were made 10 or more years ago and there are no appropriate building and planning consents in place, indemnity insurance can be used if the valuation report does not highlight major concerns or negative commentary. If the breach of planning permission and/or building regulations is still within any applicable enforcement period, you must give us your recommendations on how to proceed. We will need formal confirmation that the property is structurally sound and still a suitable security (an indemnity policy will not replace the requirement for this check to be carried out). Private drainage systems Where private drainage systems exist such as septic tanks and small scale private sewage treatment plants (Package treatment plants). It must be confirmed that the system is compliant with legislation. Systems which are not compliant will not be acceptable. Where systems are shared or run through neighbouring land appropriate legal arrangements should exist for the management, access and maintenance, and details of any demand for payment and/or costs incurred are shared with the customer(s). Systems should be registered with the relevant regional agency where required |
| CHL Mortgages | As per 1.11 |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc |
See 1.11a earlier. |
| Coutts | See 1.11 |
| Coutts Finance Co | See 1.11 |
| Coventry Building Society |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Cynergy Bank | As per 1.11.a |
| Danske Bank | Where there have been any subsequent changes to the property and there are no appropriate building and planning consents in place, and issues will not be resolved on or before completion, please contact the Mortgage Completion Team. We will need to confirm with our valuer that the property is structurally sound and still a suitable security (an indemnity policy will not replace the requirement for this check to be carried out). |
| 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 |
| 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 |
Private drainage systems Where private drainage systems exist such as septic tanks and small scale private sewage treatment plants (Package treatment plants). It must be confirmed that the system is compliant with legislation. Systems which are not compliant will not be acceptable. Where systems are shared or run through neighbouring land appropriate legal arrangements should exist for the management, access and maintenance, and details of any demand for payment and/or costs incurred are shared with the customer(s). Systems should be registered with the relevant regional agency where required |
| Fleet Mortgages | See 1.11a |
| Foundation Home Loans |
See 1.11a - Provide full details and your recommendations. HMO's and Multi Units must have all requisite consents and licences. Where alterations have been carried out in excess of 10 years ago and the valuation report does not highlight any major concerns, we may consider indemnity insurance on a case by case basis. |
| Furness Building Society | As 1.11a |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H |
Please raise a query through Secure Link which is accessed via LMS Conveyancer Zone. |
| Godiva Mortgages Ltd |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Habito | as per 1.11 |
| Halifax |
Customer Services Centre,(see offer for address and fax number) |
| Halifax Loans Ltd |
Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG |
| Hampden & Co. plc | See 1.11 |
| Handelsbanken | Refer to Branch office instructing you. |
| Harpenden Building Society | As 1.11a |
| Hinckley and Rugby Building Society | Principal Office, Completions Team. |
| Hodge |
As per 1.11a |
| Hodge Equity Release | As per 1.11a |
| Holmesdale Building Society | Lender. |
| HSBC UK Bank plc |
Private drainage systems Where private drainage systems exist such as septic tanks and small scale private sewage treatment plants (Package treatment plants). It must be confirmed that the system is compliant with legislation. Systems which are not compliant will not be acceptable. Where systems are shared or run through neighbouring land appropriate legal arrangements should exist for the management, access and maintenance, and details of any demand for payment and/or costs incurred are shared with the customer(s). Systems should be registered with the relevant regional agency where required. |
| Intelligent Finance |
Securities, Intelligent Finance, PO Box 890, Leeds, LS1 9UG |
| Investec Bank plc | See 1.11 |
| ITL Mortgages |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| JPMorgan Chase Bank, N.A. | Refer to office issuing Mortgage Instructions. |
| Kensington Mortgage Company Ltd | Kensington Mortgages, New Business Operations Centre, Ascot House, Maidenhead Office Park, Maidenhead, SL6 3QQ. Tel: 03444 990011 Fax: 03444 990022. |
| Kent Reliance (a trading name of OneSavings Bank plc) | |
| Keystone Property Finance | As 1.11a giving full details and your recommendations. HMO's and Multi Units must have all requisite consents and licences. Where alterations have been carried out in excess of 10 years ago and the valuation report does not highlight any major concerns, indemnity insurance may be considered on a case by case basis |
| Landbay Partners Limited |
Planning and Building Regulations: If alterations were made more than 7 years ago for planning and more than 10 years ago for building regulations, indemnity insurance can be used if the valuation report does not highlight major concerns or negative commentary. Houses of Multiple Occupation (HMO’s) & Multi Unit Blocks (MUB's): A multi-unit block or HMO must have all the required consents and licenses. Fire Risk Assessment (FRA): It will be necessary to obtain a copy of the Fire Risk Assessment (FRA) where the security is located in a block of flats. We cannot lend where the FRA is out-of-date or absent. You should obtain evidence that the recommended works have been completed if you receive an FRA with recommendations. You should only refer back to the Completions team for review if they have not been completed. Septic tanks: Private drainage systems, such as septic tanks, should have adequate legal rights, adequate covenants and arrangements regarding their access, use, and enforcement of repairs, contributions, and insurance. |
| 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 | Same as 1.11a |
| LendInvest | See 1.11a |
| LiveMore Capital | As 1.11a |
| Lloyds Bank plc pre fixed 20/40 | Mortgage Processing. Please see 1.11. |
| Lloyds Bank plc pre fixed 50/30/77 | Mortgage Processing. Please see 1.11a |
| Lloyds TSB Scotland plc |
Mortgage Processing. Please see 1.11a |
| M&S Bank |
M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322 |
| Magellan Homeloans | Issuing Office |
| Manchester Building Society | Underwriting Department. |
| Market Harborough Building Society |
As per 1.7 |
| Masthaven Bank | As per 1.11. |
| Metro Bank plc |
As per 1.11. |
| ModaMortgages |
Email our Completions Team at completions@modamortgages.co.uk. Please include the Mortgage Reference Number which is on the first page of the Mortgage Offer. If the breach of planning permission and/or building regulation is still within any applicable enforcement period, please contact the Completions Team at completions@modamortgages.com with your recommendations on how to proceed. If not, we do not need to be notified. |
| Molo Finance | As 1.11a. |
| Monmouthshire Building Society |
Lending Operations Department Monmouthshire Building Society Monmouthshire House John Frost Square Newport NP20 1PX |
| 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 giving full details with your advice and recommendations. |
| 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 | As 1.11a |
| Nationwide Building Society |
Where there have been any subsequent changes to the property and there are no appropriate building and planning consents, and issues will not be resolved on or before completion, please contact the Issuing Office. We will need to confirm with our valuer that the property is structurally sound and still a suitable security (an indemnity policy will not replace the requirement for this check to be carried out). Where there are planning conditions relating to the inclusion, build and/or development of new/adapted flood defences to protect the site/plots please notify the Issuing Office with details of these conditions, along with confirmation as to whether they have been completed/satisfied to allow referral to the Valuer for this to be taken into consideration. Please note that an Indemnity Insurance will not be acceptable in the case of unsatisfied flood related conditions. Where the security comprises a new build flat (either recently completed or under construction), the conveyancer should verify whether the block is / has been constructed in accordance with the Building (Amendment) Regulations 2018. If it has been constructed under the preceding regulations this should be referred to the lender (prior to exchange of contracts) for any necessary further investigations regarding the fire safety of the building and its attachments (e.g. balconies). We will then advise if the mortgage can proceed. 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 | Please refer to us. |
| 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 giving full details and your recommendations. HMO's and Multi Units must have all requisite consents and licences. Where alterations have been carried out in excess of 10 years ago and the valuation report does not highlight any major concerns, indemnity insurance may be considered on a case by case basis. |
| Parity Trust | As 1.7 |
| Pepper Money |
Please contact Pepper Money Completions department on 0333 370 1101 or email lendingenquiries@pepper.money |
| Pepper Money (PUK) |
Please contact Pepper Money Completions department on 0333 370 1101 or email lendingenquiries@pepper.money |
| Perenna | Please contact our Mortgage team by either telephone: 0330 341 2013 or Email: conveyancing@perenna.co.uk |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Refer to office issuing Mortgage Instructions. |
| Precise Mortgages (Charter Court Financial Services Ltd) |
If the breach of planning permission and/or building regulations is still within any applicable enforcement period, please contact the Completions Team at the address stated on the mortgage offer/instructions, with your recommendations on how to proceed. If not, we do not need to be notified. |
| Principality Building Society |
As in 1.7: Mortgage New Business PO Box 89 Queen Street CARDIFF CF10 1UA 0330 333 4021 |
| Reliance Bank Ltd |
mortgages@reliancebankltd.com or 0207 398 5422 - Option 1 Discuss New Lending/Option 2 Discuss existing Reliance Bank Mortgage |
| Rooftop Mortgages Ltd | The address and contact details shown on the mortgage offer. |
| Saffron Building Society |
If the breach of planning permission and/or building regulations is still within any applicable enforcement period, you must give us your recommendations on how to proceed to: 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 | Contact point as detailed in 1.11a. |
| Santander UK plc | Refer to Mortgage Operations office instructing you. |
| Scottish Building Society | |
| Scottish Widows Bank | New Business Processing (see 1.11a). |
| Secure Trust Bank PLC | As 1.11 |
| Skipton Building Society | Completions Team via LMS Secure Link |
| St James Place Bank | Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS |
| State Bank of India UK | 1.11a. |
| Swansea Building Society |
11/12 Cradock Street Swansea SA1 3EW 01792 739100 |
| The Mortgage Business |
The Mortgage Business, PO Box 548, Leeds LS1 1WU. fax no. 0845 6039009 |
| The Mortgage Lender Limited |
completions@themortgagelender.com Tel: 0344 257 0426 |
| The Mortgage Works |
Where there have been any subsequent changes to the property and there are no appropriate building and planning consents, and issues will not be resolved on or before completion, please contact the Issuing Office. We will need to confirm with our valuer that the property is structurally sound and still a suitable security (an indemnity policy will not replace the requirement for this check to be carried out). If under Section 9 - Legal Requirements of the Valuation Report , the valuer has requested the conveyancer to confirm appropriate building and/or planning consents, then receipt of your COT will confirm our instructions herein have been applied and no further confirmation or clarification is required. Where there are planning conditions relating to the inclusion, build and/or development of new/adapted flood defences to protect the site/plots please notify the Issuing Office with details of these conditions, along with confirmation as to whether they have been completed/satisfied to allow referral to the Valuer for this to be taken into consideration. Please note that an Indemnity Insurance will not be acceptable in the case of unsatisfied flood related conditions. Where the security comprises a new build flat (either recently completed or under construction), the conveyancer should verify whether the block is / has been constructed in accordance with the Building (Amendment) Regulations 2018. If it has been constructed under the preceding regulations this should be referred to the lender (prior to exchange of contracts) for any necessary further investigations regarding the fire safety of the building and its attachments (e.g. balconies). We will then advise if the mortgage can proceed. 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 | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc Direct Line Mortgages | As detailed in 1.11a. |
| The Royal Bank of Scotland plc Direct Line One | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc First Active | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc Natwest one Account | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc One Account | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc Virgin One | As detailed above in 1.11a. |
| The Tipton & Coseley Building Society | Mortgage Department. |
| Together Personal Finance Limited | Contact point as detailed in 1.11a above. |
| Topaz Finance Ltd |
Topaz Finance Limited Gateway House, Gargrave Road, Skipton, North Yorkshire, BD23 2HL 0345 389 1672 |
| TSB Bank plc | Mortgage Processing. Please see 1.11a |
| Ulster Bank |
As detailed above in 1.11a. |
| Vida Homeloans | As 1.11a |
| Virgin Money |
Mortgage Processing Operations Virgin Money Gosforth Newcastle upon Tyne NE3 4PL Solicitor Helpline: 0845 604 4858 Solicitor Email: postoffer@virginmoney.com |
| Whistletree (a trading name of TSB Bank plc) | Details as 1.11a |
| Yorkshire Bank Home Loans Ltd |
The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 |
| Yorkshire Building Society |
As 1.11a. Planning and Building Regulations If subsequent changes to the property were made 10 or more years ago and there are no appropriate building and planning consents in place, indemnity insurance can be used if the valuation report does not highlight major concerns or negative commentary. If the breach of planning permission and/or building regulations is still within any applicable enforcement period, you must give us your recommendations on how to proceed. We will need formal confirmation that the property is structurally sound and still a suitable security (an indemnity policy will not replace the requirement for this check to be carried out). Private drainage systems Where private drainage systems exist such as septic tanks and small scale private sewage treatment plants (Package treatment plants). It must be confirmed that the system is compliant with legislation. Systems which are not compliant will not be acceptable. Where systems are shared or run through neighbouring land appropriate legal arrangements should exist for the management, access and maintenance, and details of any demand for payment and/or costs incurred are shared with the customer(s). Systems should be registered with the relevant regional agency where required |
| Zephyr Homeloans | As per 1.11 |