Answers for England and Wales

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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.
Accord Mortgages Ltd As 1.11a
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.
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.
CHL Mortgages As per 1.11
Clydesdale Bank plc Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
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 a copy of the FRA (Fire Risk Assessment). This FRA must still be in date, meaning the review or reinspection date as recommended by the Fire Safety Inspector cannot be in the past. Where the block is required to have an FRA and does not, this is unacceptable to us and must be declined. Where you obtain an FRA with recommended works, please obtain confirmation of whether they have or have not been completed. Where they have not been completed, please obtain 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.
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 a copy of the FRA (Fire Risk Assessment). This FRA must still be in date, meaning the review or reinspection date as recommended by the Fire Safety Inspector cannot be in the past. Where the block is required to have an FRA and does not, this is unacceptable to us and must be declined. Where you obtain an FRA with recommended works, please obtain confirmation of whether they have or have not been completed. Where they have not been completed, please obtain 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.
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
Jubilee House
Gosforth
Newcastle upon Tyne
NE3 4PL

or DX 60350 Gosforth

Solicitors Helpline: 0845 604 4858
Whistletree (a trading name of TSB Bank plc) Details as 1.11a
Yorkshire Bank Home Loans Ltd Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Yorkshire Building Society As 1.11a.
Zephyr Homeloans As per 1.11