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Question: 5.17.5. Does the lender need to be sent the statutory declaration of non-revocation of power of attorney?
| Lender | Answer |
|---|---|
| Accord Buy to Let | No. |
| Accord Mortgages Ltd | No |
| Adam & Company |
Yes, after completion. |
| Adam & Company International |
Yes, after completion. |
| Ahli United Bank (UK) plc | We do not generally accept documentation signed under Power of Attorney. Please refer to Central Administration Unit for approval on this particular case |
| Aldermore Bank PLC | We would not normally accept a power of attorney. Please refer to 1.11. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Yes, following completion. |
| April Mortgages | No |
| Atom Bank plc | No - to be held on file with the title deeds and documents after completion |
| Aviva Equity Release UK Ltd | We do not accept General POAs |
| Bank of China | Not applicable. |
| Bank of Ireland (UK) plc | Yes, to be placed with the title deeds after completion. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes, to be placed with the title deeds after completion. |
| Bank of Scotland Beginning A |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must send a suitably certified copy of the statutory declaration of non-revocation, with the certified copy of the power of attorney and covering letter to Bank of Scotland, Nexus, PO Box 548, Leeds, LS1 1WU. |
| Bank of Scotland Beginning O |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must send a suitably certfied copy of the statutory declaration of non-revocation, with the certified copy power of attorney and covering letter, to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | No, but this should be made and retained in your file for your records |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | No. |
| Birmingham Bank | Yes |
| Birmingham Midshires | No |
| Bluestone Mortgages | No, but please keep a copy with your file. |
| Bradford & Bingley Limited | A certified copy is required on completion with the title deeds. |
| Britannia, a trading name of The Co-operative Bank plc | Yes |
| Buckinghamshire Building Society | Yes |
| Chelsea Building Society (a trading name of Yorkshire BS) | No. |
| CHL Mortgages | Not applicable. CHL does not accept Power of Attorney. |
| Clydesdale Bank plc | No. |
| Co-operative Bank plc | See 14.2.2 later. To be placed with the title deeds. |
| Coutts | Yes, after completion. |
| Coutts Finance Co | Yes, after completion. |
| Coventry Building Society | No |
| Cynergy Bank | Yes. where the Power of Attorney is a general one and was completed more than 12 months before completion of the mortgage. |
| Danske Bank | We would not normally accept a power of attorney. Please notify us via the details in 1.11a. |
| Darlington Building Society | Yes, after completion |
| DB UK Bank Ltd | Yes |
| Dudley Building Society | Yes. |
| Ecology Building Society | Yes |
| Family Building Soc (a trading name of National Counties BS) | No, but please keep a copy on your file. |
| First Direct |
No |
| Fleet Mortgages | Not applicable. |
| Foundation Home Loans |
No, but you should retain on your file. |
| Furness Building Society |
Yes, with the title deeds. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Generation Home | Please notify us as detailed at 1.11a where there is a power of attorney. |
| Godiva Mortgages Ltd | No. |
| Habito | No |
| Halifax | No. |
| Halifax Loans Ltd |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG |
| Hampden & Co. plc | Please retain with the title deeds. |
| Handelsbanken | Yes, following completion. |
| Harpenden Building Society | Yes |
| Hinckley and Rugby Building Society | Yes, after completion, with the Title Documents. |
| Hodge |
Yes, suitably certified copies of both the statutory declaration of non-revocation and the power of attorney itself, together with a covering letter, are required to be sent to us (as per 1.11a) as soon as possible (and in any event within 7 days) after completion. In addition, if the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter. We do not accept General Power of Attorney |
| Hodge Equity Release |
Yes, suitably certified copies of both the statutory declaration of non-revocation and the power of attorney itself, together with a covering letter, are required to be sent to us (as per 1.11a) as soon as possible (and in any event within 7 days) after completion. In addition, if the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter. We do not accept General Power of Attorney |
| Holmesdale Building Society |
yes, after completion. |
| HSBC UK Bank plc | No |
| Intelligent Finance |
No, please note that we will not allow an attorney to operate the mortgage following completion. |
| Investec Bank plc | No, but 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 where agreed by office issuing Mortgage Instructions. |
| Kensington Mortgage Company Ltd | For matters post completion, yes we require sight of the statutory declaration of non-revocation of power of attorney. Please forward to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU. However please note that applicants may not appoint a power of attorney to sign any documents in relation to the mortgage prior to completion. |
| Kent Reliance (a trading name of OneSavings Bank plc) | Yes, a certified copy to be sent after completion, where appropriate. |
| Keystone Property Finance | N/A |
| Landbay Partners Limited | Yes. This should be sent to us after completion. |
| 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. |
| LendInvest | No |
| LiveMore Capital | Yes |
| 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 |
| Magellan Homeloans | Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to issuing office in 1.11 |
| Manchester Building Society | Yes, after completion with the Title deeds. |
| Market Harborough Building Society |
Yes |
| Masthaven Bank | No, but please keep a copy with your file. |
| Metro Bank plc | Yes – a certified copy of the power of attorney is required to be sent to mortgagecompletions@metrobank.plc.uk |
| ModaMortgages |
No, but you should retain on your file. |
| Molo Finance | No, but must keep a copy on your file. |
| Monmouthshire Building Society | Yes. |
| Mortgage Agency Services | Yes |
| Mortgage Express | A certified copy is required on completion with the title deeds. |
| Mortgage Express No 2 | |
| MPowered Mortgages |
N/A for BTL. For residential we do not require sight but will expect the firm to retain a copy. |
| National Counties Building Society | No, but please keep a copy on your file. |
| National Westminster Bank plc |
Yes, a certified copy to be sent after completion as set out in 14.2.2. |
| Nationwide Building Society | No |
| Nedbank Private Wealth Ltd | You must refer to us. |
| New Street Mortgages |
For matters post completion, yes we require sight of the Power of Attorney. Please forward to: New Street Mortgages, PO Box 4760, Maidenhead, SL60 1HU. However please note that applicants may not appoint a power of attorney to sign any documents in relation to the mortgage prior to completion. |
| NRAM Ltd | Yes, after completion with the Title deeds. |
| Paragon Buy to Let Mortgages |
A power of attorney must not be used for the execution of our documentation (including but not limited to the Legal Charge and any supporting Deed of Guarantee). Where any other documents have been executed under a power of attorney falling within clause 5.16.5 2nd bullet point with our prior consent in writing, please include either the original or a certified copy of the statutory declaration of non-revocation of the power of attorney. |
| Paragon Residential Owner-Occupied Mortgages | A power of attorney must not be used for the execution of our documentation (including but not limited to the Legal Charge and any supporting Deed of Guarantee). Where any other documents have been executed under a power of attorney falling within clause 5.17.5 (2nd bullet point) with our prior consent in writing, please include either the original or a certified copy of the statutory declaration of non-revocation of the power of attorney. |
| Paratus AMC Ltd | No. |
| Parity Trust | Yes |
| Pepper Money | Pepper Money does not accept applications or offer mortgages involving powers of attorney. Please notify us as soon as possible on 0333 370 1101 if you are made aware of any intention to use a power of attorney. |
| Pepper Money (PUK) | Pepper Money does not accept applications or offer mortgages involving powers of attorney. Please notify us as soon as possible on 0333 370 1101 if you are made aware of any intention to use a power of attorney. |
| Perenna | No, however we require you to keep a copy with your mortgage file in all cases. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Yes |
| Precise Mortgages (Charter Court Financial Services Ltd) | Yes, a certified copy to be sent after completion, where appropriate. |
| Principality Building Society | Yes - a copy must be sent with the TID after registration of the Society?s Charge at the Land Registry. |
| Reliance Bank Ltd | Yes |
| Rooftop Mortgages Ltd | Yes. Please place with the title deeds. |
| Saffron Building Society | No |
| Sainsbury's Bank | Yes, this should be sent to us at completion. |
| Santander UK plc |
Yes, suitably certified copies of both the statutory declaration of non-revocation and the power of attorney itself, together with a covering letter, are required to be sent to the Mortgage Operations office instructing you as soon as possible (and in any event within 7 days) after completion. In addition, if the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter. |
| Scottish Building Society | No, but please retain a copy on your file. |
| Scottish Widows Bank | No. |
| Secure Trust Bank PLC | We would not normally accept a power of attorney. Please refer to 1.11. |
| Skipton Building Society | No, as long as you retain it on your file. |
| St James Place Bank | No, Please note that we will not allow an attorney to operate the mortgage facility following completion. |
| State Bank of India UK | A power of attorney must not be used for the execution of our documentation |
| Swansea Building Society | Yes |
| The Mortgage Business |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter to The Mortgage Business, PO Box 548 Leeds, LS1 1WU. |
| The Mortgage Lender Limited | Not applicable. |
| The Mortgage Works | Yes |
| The Royal Bank of Scotland plc |
Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Direct Line Mortgages | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Direct Line One | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc First Active |
Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Natwest one Account | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc One Account | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Virgin One | Yes, a certified copy to be sent after completion. |
| The Tipton & Coseley Building Society | No. |
| Together Personal Finance Limited | Yes. |
| Topaz Finance Ltd | No but please keep a copy on your file. |
| TSB Bank plc | No |
| Ulster Bank | Yes, a certified copy to be sent 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 | The documents we need post-completion are listed in our current Deeds Schedule. |
| Whistletree (a trading name of TSB Bank plc) | |
| Yorkshire Bank Home Loans Ltd | No. |
| Yorkshire Building Society | No. |
| Zephyr Homeloans | No but please keep a copy on your file. |