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Question: 5.9.1. Does the lender lend on commonhold?
| Lender | Answer |
|---|---|
| Accord Buy to Let | No. |
| Accord Mortgages Ltd | No |
| Adam & Company |
Only in certain circumstances. Please refer individual cases. See 1.11 |
| Adam & Company International |
Only in certain circumstances. Please refer individual cases. See 1.11 |
| Ahli United Bank (UK) plc | No |
| Aldermore Bank PLC | No. |
| 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 | No |
| Atom Bank plc | No |
| Aviva Equity Release UK Ltd | No. |
| Bank of China | No. |
| Bank of Ireland (UK) plc | Yes. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes. |
| Bank of Scotland Beginning A |
New Mortgages - the tenure is not acceptable. Existing Mortgages - considered on a case by case basis. |
| Bank of Scotland Beginning O |
New Mortgages - the tenure is not acceptable Existing Mortgages - considered on a case by case basis |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | Yes , provided there are adequate provisions for repairs, maintenance, insurance etc. and an adequate maintenance charge. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | No |
| Better HomeOwnership (Mortgages) | No |
| Birmingham Bank | No |
| Birmingham Midshires |
New Mortgages - the tenure is not acceptable. Existing Mortgages - considered on a case by case basis. |
| Bluestone Mortgages | No. |
| Bradford & Bingley Limited | Yes |
| Britannia, a trading name of The Co-operative Bank plc | No |
| Buckinghamshire Building Society | No |
| Chelsea Building Society (a trading name of Yorkshire BS) | No |
| CHL Mortgages | No |
| Clydesdale Bank plc | Yes. |
| Co-operative Bank plc | No. |
| Coutts | Only in certain circumstances. Please refer individual cases. See 1.11 |
| Coutts Finance Co | Only in certain circumstances. Please refer individual cases. See 1.11 |
| Coventry Building Society | No |
| Cynergy Bank | No. |
| Danske Bank | No |
| Darlington Building Society | Yes |
| DB UK Bank Ltd | No |
| Dudley Building Society | Yes. |
| Ecology Building Society | Yes |
| Family Building Soc (a trading name of National Counties BS) | Yes. |
| First Direct | Yes |
| Fleet Mortgages | No |
| Foundation Home Loans |
No |
| Furness Building Society | No |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market.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 |
New Mortgages - the tenure is not acceptable. Existing Mortgages - considered on a case by case basis. |
| Halifax Loans Ltd |
New Mortgages - the tenure is not acceptable Existing Mortgages - considered on a case by case basis. |
| Hampden & Co. plc | Only in certain circumstances. Please refer individual cases. See 1.11. |
| Handelsbanken | Yes, the Branch office instructing you must be made aware as early as known. |
| Harpenden Building Society |
Completions@harpendenbs.co.uk Refer to Mortgage Department Harpenden Building Society Mardall House 9-11 Vaughan Road Harpenden, Herts AL5 4HU Tel 01582 463133 |
| Hinckley and Rugby Building Society | No. |
| Hodge | Yes |
| Hodge Equity Release | No |
| Holmesdale Building Society | Yes. |
| HSBC UK Bank plc | Yes |
| Intelligent Finance | No |
| Investec Bank plc | Only in certain circumstances. Please refer individual cases. See 1.11 |
| ITL Mortgages | No |
| JPMorgan Chase Bank, N.A. | No |
| Kensington Mortgage Company Ltd | Yes. |
| Kent Reliance (a trading name of OneSavings Bank plc) | No |
| Keystone Property Finance | No |
| Landbay Partners Limited |
No. |
| Landmark Mortgages Limited | No |
| Leeds Building Society | Yes. |
| Legal & General Home Finance Ltd | No. |
| LendInvest |
BTL: No Regulated Bridge Loans: yes Regulated Residential Lending: yes |
| LiveMore Capital | No |
| Lloyds Bank plc pre fixed 20/40 | No. |
| Lloyds Bank plc pre fixed 50/30/77 | Yes |
| Lloyds TSB Scotland plc | Yes |
| M&S Bank | yes |
| Magellan Homeloans | No |
| Manchester Building Society | Yes. |
| Market Harborough Building Society | Yes |
| Masthaven Bank | Yes. |
| Metro Bank plc | No. |
| ModaMortgages |
No. |
| Molo Finance | No |
| Monmouthshire Building Society | Yes. |
| Mortgage Agency Services | No |
| Mortgage Express | Yes |
| Mortgage Express No 2 | |
| MPowered Mortgages |
We do not accept commonhold properties for BTL or owner occupier residential. |
| National Counties Building Society | Yes. |
| National Westminster Bank plc | No |
| Nationwide Building Society | Yes |
| Nedbank Private Wealth Ltd | You must refer to us. |
| New Street Mortgages | No |
| NRAM Ltd | No |
| Paragon Buy to Let Mortgages | No |
| Paragon Residential Owner-Occupied Mortgages | Yes - please contact us to discuss the specific requirements. |
| Paratus AMC Ltd | No. |
| Parity Trust | No |
| Pepper Money | No |
| Perenna | No |
| Platform (a trading name of The Co-operative Bank p.l.c.) | No. |
| Precise Mortgages (Charter Court Financial Services Ltd) | No. |
| Principality Building Society | No |
| Reliance Bank Ltd | No |
| Rely Mortgages | No |
| Rooftop Mortgages Ltd | No. |
| Saffron Building Society | Yes. |
| Sainsbury's Bank | Yes, as long as the conditions in 5.9.2 of Part 1 are satisfied. |
| Santander UK plc | No. |
| Scottish Building Society | No. |
| Scottish Widows Bank | Yes. |
| Secure Trust Bank PLC | No. |
| Skipton Building Society | Not at present. |
| St James Place Bank | No. |
| State Bank of India UK | No. |
| Swansea Building Society | No |
| Tandem Bank | No |
| The Mortgage Business |
New Mortgages - the tenure is not acceptable. Existing Mortgages - considered on a case by case basis. |
| The Mortgage Lender Limited | No |
| The Mortgage Works | No |
| The Royal Bank of Scotland plc | No. |
| The Royal Bank of Scotland plc Direct Line Mortgages | No. |
| The Royal Bank of Scotland plc Direct Line One | No. |
| The Royal Bank of Scotland plc First Active | No. |
| The Royal Bank of Scotland plc Natwest one Account | No. |
| The Royal Bank of Scotland plc One Account | No. |
| The Royal Bank of Scotland plc Virgin One | No. |
| The Tipton & Coseley Building Society | Yes. |
| Together Personal Finance Limited | Yes. |
| Topaz Finance Ltd | Yes. |
| TSB Bank plc | No |
| Ulster Bank | Refer individual cases to the Bank. |
| Vida Homeloans | No |
| Virgin Money | Yes, so long as the Commonhold Association has been formed in the correct manner and that our interest is adequately protected. |
| Whistletree (a trading name of TSB Bank plc) | No |
| Yorkshire Bank Home Loans Ltd | Yes. |
| Yorkshire Building Society | No. |
| Zephyr Homeloans | Zephyr does not lend on commonhold |