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Question: 5.5.3. Does the lender require certificates of lawful use or development/established use certificate?
| Lender | Answer |
|---|---|
| Accord Buy to Let | No, these should be retained by the borrower unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. If planning permission exists for the change in use, then a separate certificate of lawful use or development is not required. Where planning permission cannot be confirmed, a certificate of lawful use or development is required. Please also keep a copy on your file. |
| Accord Mortgages Ltd | No, these should be retained by the borrower unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. If planning permission exists for the change in use, then a separate certificate of lawful use or development is not required. Where planning permission cannot be confirmed, a certificate of lawful use or development is required. Please also keep a copy on your file. |
| Adam & Company |
Yes, after completion. |
| Adam & Company International |
Yes, after completion. |
| Ahli United Bank (UK) plc | Please refer to Central Administration Unit |
| Aldermore Bank PLC | No - borrowers to retain. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | No |
| April Mortgages | No, solicitor to satisfy if conditioned and place with deeds. |
| Atom Bank plc | No, unless the property has been converted from commercial to residential property. In this case we will require proof of residential status |
| Aviva Equity Release UK Ltd | No. |
| Bank of China | No. |
| Bank of Ireland (UK) plc | No. |
| Bank of Ireland as Bank of Ireland Mortgages | No. |
| Bank of Scotland Beginning A |
No, please forward to the borrower |
| Bank of Scotland Beginning O |
No, please forward to the borrower. |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | No |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | No. |
| Better HomeOwnership (Mortgages) | Copies are acceptable but only required upon request. |
| Birmingham Bank | Yes |
| Birmingham Midshires | No, please forward to the borrower. |
| Bluestone Mortgages | No, please place with the Deeds. |
| Bradford & Bingley Limited | No, please pass to the borrowers for safe keeping |
| Britannia, a trading name of The Co-operative Bank plc | No Please forward to the borrower |
| Buckinghamshire Building Society | No |
| Chelsea Building Society (a trading name of Yorkshire BS) | No, these should be retained by the borrower unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. If planning permission exists for the change in use, then a separate certificate of lawful use or development is not required. Where planning permission cannot be confirmed, a certificate of lawful use or development is required. Please also keep a copy on your file. |
| CHL Mortgages | Only if we have made a specific request for this, however you should notify us if you 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 |
| Co-operative Bank plc | No, please forward to the borrower. |
| Coutts | Yes, after completion. |
| Coutts Finance Co | Yes, after completion. |
| Coventry Building Society | No |
| Cynergy Bank | Yes. |
| Danske Bank |
Yes, please place with the title deeds and return to: Danske Bank Mortgage Customer Support Team Personal Collateral Team Killeaton House 41 Mosside Road, Dunmurry Belfast, BT17 9HH DX 2015 NR BELFAST 2 |
| Darlington Building Society | No, borrowers to retain |
| DB UK Bank Ltd |
Please place with the Title Information Documents |
| Dudley Building Society | No, borrower to retain. However, the solicitor should notify the Society if any issues are identified. |
| Ecology Building Society | Yes |
| Family Building Soc (a trading name of National Counties BS) | No, these should be retained by the borrower. Please also keep a copy on your file. |
| First Direct |
No, unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. If planning permission exists for the change in use, then a separate certificate of lawful use or development is not required. Where planning permission cannot be confirmed, a certificate of lawful use or development is required. |
| Fleet Mortgages | No. We may, however, ask you for copies of the documents if we require them. |
| Foundation Home Loans |
No -We may however ask you for copies of the documents if we require them, please retain copies on your file. |
| Furness Building Society |
Yes, with title deeds. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H | No. |
| Godiva Mortgages Ltd | No |
| Habito | No |
| Halifax |
No, please forward to the borrower. |
| Halifax Loans Ltd |
No, please forward to the borrower. |
| Hampden & Co. plc | To be retained with the deeds. |
| Handelsbanken | Yes. |
| Harpenden Building Society |
Yes, after completion |
| Hinckley and Rugby Building Society | No. |
| Hodge | No, these should be retained by the borrower. Please also keep a copy on your file. |
| Hodge Equity Release | No, these should be retained by the borrower. Please also keep a copy on your file. |
| Holmesdale Building Society | Yes, after completion. |
| HSBC UK Bank plc | No, unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. If planning permission exists for the change in use, then a separate certificate of lawful use or development is not required. Where planning permission cannot be confirmed, a certificate of lawful use or development is required. |
| Intelligent Finance |
No, please forward to the borrower |
| 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 | No |
| JPMorgan Chase Bank, N.A. | Yes - placed with deeds. |
| Kensington Mortgage Company Ltd | Yes. A copy is acceptable. To be forwarded to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU following completion with the title deeds. |
| Kent Reliance (a trading name of OneSavings Bank plc) | No, borrower to retain but you should retain a copy on your file |
| Keystone Property Finance | No. We may however ask you for copies of the documents if we require them |
| Landbay Partners Limited | Yes. These should be retained within your file. |
| Landmark Mortgages Limited |
Yes, after completion with the Title Deeds. |
| Leeds Building Society | No, but please retain a copy on your file. |
| Legal & General Home Finance Ltd | Yes, after completion only where the property is new or has been physically altered or extended in the last 4 years or has had a material change of use in the last 10 years. |
| LendInvest | No. We may, however, ask you for copies of the documents if we require them |
| LiveMore Capital |
Yes, please provide a copy |
| 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 | No, unless the property has been converted from commercial to residential property. In this case we will require proof of residential status |
| Magellan Homeloans | Please forward to borrower for the borrower to retain |
| Manchester Building Society | No. |
| Market Harborough Building Society | Yes |
| Masthaven Bank | No, please place with the Deeds. |
| Metro Bank plc | No. |
| ModaMortgages |
No, borrower to retain but you should retain a copy on your file. |
| Molo Finance | No, but you must retain a copy on your file. |
| Monmouthshire Building Society | Yes. |
| Mortgage Agency Services |
Yes, with original mortgage deed, associated documents an papers |
| Mortgage Express | No, please pass to the borrowers for safe keeping. |
| Mortgage Express No 2 | |
| MPowered Mortgages | No |
| National Counties Building Society | No, these should be retained by the borrower. Please also keep a copy on your file. |
| National Westminster Bank plc | No. |
| Nationwide Building Society |
No - borrowers to retain |
| Nedbank Private Wealth Ltd | Yes |
| New Street Mortgages |
No, you should satisfy yourself as our representative that appropriate certificates are in place |
| NRAM Ltd | Yes, after completion with the Title deeds. |
| Paragon Buy to Let Mortgages |
Yes, please place originals with the deeds. Where the property is a House in Multiple Occupation copies will need to be provided prior to release of funds. |
| Paragon Residential Owner-Occupied Mortgages | Yes, please place originals with title deeds. |
| Paratus AMC Ltd | No. We may however ask you for copies of the documents if we require them. |
| Parity Trust | Yes |
| 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 the property has been converted from commercial to residential property. In this case we will require proof of residential status |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Yes - placed with deeds. |
| Precise Mortgages (Charter Court Financial Services Ltd) | No, borrower to retain but you should retain a copy on your file. |
| Principality Building Society | No, please pass to the borrowers for safe keeping |
| Reliance Bank Ltd | No |
| Rooftop Mortgages Ltd | Yes. Please place with the title deeds. |
| Saffron Building Society |
No - unless specified on the mortgage offer. Borrower to retain. You should retain a copy on your file. |
| Sainsbury's Bank | No, these should be retained by the borrower. |
| Santander UK plc | No, unless your individual instructions on a particular case require this. |
| Scottish Building Society | Place original with Title Deeds (not required by the Society) and send copy to the Society if requested within offer conditions. |
| Scottish Widows Bank | Yes,after completion. |
| Secure Trust Bank PLC | No, borrowers to retain. |
| Skipton Building Society | See 14.2.2 |
| St James Place Bank | No, please forward to the borrower. |
| State Bank of India UK | Yes. Please retain the original/copy on your file. |
| Swansea Building Society | Yes |
| The Mortgage Business |
No, please forward to the borrower. |
| The Mortgage Lender Limited | Yes, after Completion. Please place with the title documents. |
| The Mortgage Works | No |
| The Royal Bank of Scotland plc | No. |
| The Royal Bank of Scotland plc Direct Line Mortgages | Yes. |
| The Royal Bank of Scotland plc Direct Line One | Yes, after completion. |
| The Royal Bank of Scotland plc First Active |
If our letter of instruction to you is issued before 22 June 2009 - Yes, after completion. If our letter of instruction to you is issued on or after 22 June 2009 - No |
| The Royal Bank of Scotland plc Natwest one Account | No, however, required after completion for cases instructed prior to 5/12/2011. |
| The Royal Bank of Scotland plc One Account |
No, however, required after completion for cases instructed prior to 5/12/2011. |
| The Royal Bank of Scotland plc Virgin One |
No, however, required after completion for cases instructed prior to 5/12/2011. |
| The Tipton & Coseley Building Society | No, borrower to retain. |
| Together Personal Finance Limited | No - this should be retained by the borrower. |
| Topaz Finance Ltd | No. |
| TSB Bank plc | No |
| Ulster Bank |
Yes, after completion. |
| Vida Homeloans |
Yes, copy provided after completion to: Mortgage Services, Vida Homeloans, Gateway House, Gargrave Road, Skipton, North Yorkshire, BD23 2HL |
| Virgin Money | No. |
| Whistletree (a trading name of TSB Bank plc) | Yes, after completion with the Title Deeds. |
| Yorkshire Bank Home Loans Ltd | No |
| Yorkshire Building Society | No, these should be retained by the borrower unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. If planning permission exists for the change in use, then a separate certificate of lawful use or development is not required. Where planning permission cannot be confirmed, a certificate of lawful use or development is required. Please also keep a copy on your file. |
| Zephyr Homeloans | No |