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Question: 5.19.1. If different from 1.11, contact point for lending on affordable housing, shared equity and shared ownership and where relevant your requirements:
| Lender | Answer |
|---|---|
| Accord Buy to Let | We do not lend where the transaction involves affordable housing, key worker, shared equity or shared ownership. |
| Accord Mortgages Ltd |
We do not lend where the transaction involves either a shared equity scheme (other than Government Help to Buy equity loan provided through Homes England or Help to Buy (Wales) Limited) or shared ownership of the property. |
| Adam & Company | See 1.11 |
| Adam & Company International |
See 1.11 |
| Ahli United Bank (UK) plc | We will not lend on either shared ownershio or shared equity tenures |
| Aldermore Bank PLC | The only acceptable scheme is Help to Buy: equity loan. |
| 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 | April does not lend on affordable housing, shared equity or shared ownership. |
| Atom Bank plc | As set out in 1.11. |
| Aviva Equity Release UK Ltd | We do not lend. |
| Bank of China | Not applicable. We will not lend on properties to which this section applies. |
| Bank of Ireland (UK) plc |
See 1.11 We don't lend on a shared ownership basis. Affordable housing and shared equity schemes will be considered if details are provided. |
| Bank of Ireland as Bank of Ireland Mortgages |
See 1.11 We don't lend on a shared ownership basis. Affordable housing and shared equity schemes will be considered if details are provided. |
| Bank of Scotland Beginning A |
We do not support shared ownership or shared equity lending. |
| Bank of Scotland Beginning O | We do not support lending on Shared Ownership or Shared Equity cases. |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC |
Issuing Office. We will lend on both shared ownership and shared equity tenures. For shared ownership leases, the borrower must be acquiring at least a 25% share and the lease must be in the Housing Corporation standard form which includes a mortgagee protection clause. The RSL's consent to our charge should be obtained in the usual way. For shared equity, you should satisfy yourself that the second charge, and in particular the insurance provisions, does not prejudice our security in any way. If the second charge contains a restriction, please refer to the Issuing Office. Section 106 agreements Buy to let applications Where there is Section 106 agreement in place and the transaction is Buy to Let, you must inform us and the application will be declined. The presence of a section 106 agreement is only acceptable for residential transactions. Residential applications -General The property must be used as the applicant’s only or main residence. You must notify us if the existence of such an agreement will adversely affect our security. Section 106 agreements must contain a mortgagee exclusion clause to protect the mortgagee in the event that the registered provider defaults. You should obtain written confirmation from the borrowers that they are able to comply with any outstanding provisions in the Section 106 agreement (or that they will be carried out by another party), without making it a commercial proposition. You should retain this in your file. Residential applications- Restrictions on re-sale/ disposal The Section 106 agreement may stipulate that the Local authority has the right to nominate a buyer (meeting defined eligibility requirements) when the property is sold or disposed of: If such ‘nomination rights’ exist or there are any restrictions as to whom the subject property can be sold (whether by the borrower or mortgagee in possession), the clause must stipulate that the total time period within which an eligible buyer must have exchanged contracts / concluded missives should not exceed 3 months from receipt of the notice to sell; after which the mortgagee in possession must be free to market the property at the open market value, free from these restrictions. The property must not be on a retirement development with an over 55 age restriction. Residential applications-Re-sale price covenant (discounted purchase price) Where the Section 106 is subject to a re-sale price covenant, meaning a discount applies in perpetuity, this is acceptable only where the restriction does not apply to the mortgagee in possession. Residential applications-Moratorium period Where a clause exists that provides for a registered social landlord, registered provider or local authority to buy back an affordable housing unit if the mortgagee serves default notice; this clause must stipulate that the sale will complete within a period no greater than 3 months from the date at which the mortgagee gives notice of their intention to dispose of the property; after which time the property must be released from affordable tenure enabling the mortgagee in possession to dispose of the security. The clause must also stipulate that, should this right be exercised, the consideration should not be less than the amount due and outstanding under the terms of the relevant security documentation including all accrued principal monies, interest, costs and expenses. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | We do not lend where the transaction involves either a shared equity scheme or shared ownership of the property. |
| Better HomeOwnership (Mortgages) | See 1.11 |
| Birmingham Bank | We do not offer loans on these types of property |
| Birmingham Midshires |
We do not support this lending. |
| Bluestone Mortgages | As per 1.11. |
| Bradford & Bingley Limited | We do not lend in these circumstances. |
| 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) | We do not lend where the transaction involves either a shared equity scheme or shared ownership of the property. |
| CHL Mortgages | Not applicable. We will not lend on properties to which this section applies. |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc |
We do not lend in these circumstances. |
| Coutts | See 1.11 |
| Coutts Finance Co | See 1.11 |
| Coventry Building Society | CBS does not lend in any of these circumstances. |
| Cynergy Bank | As per 1.11.a |
| Danske Bank |
The only scheme acceptable to us is a Help to Buy: Equity Loan scheme in accordance with the then-applicable Government scheme rules for England and Wales. We do not lend on a shared ownership basis. |
| Darlington Building Society | Commercial Lending 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) | We do not lend on such schemes. |
| First Direct |
We do not lend on properties subject to affordable housing, shared equity and shared ownership schemes. |
| Fleet Mortgages |
Not applicable. We will not lend on properties to which this section applies. |
| Foundation Home Loans |
Not Applicable. We do not current lend on properties involving these schemes. |
| Furness Building Society | As 1.11a |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H | For affordable housing, shared equity and shared ownership, you need to notify us (as detailed above in 1.11a). We do not normally lend on government affordable housing schemes or shared ownership properties other than in circumstances where the borrower will own 100% of the property at completion. |
| Godiva Mortgages Ltd | GML does not lend in any of these circumstances. |
| Habito | We do not lend on these propositions - use the contact details in 1.11 to advise us should this be the case. |
| Halifax |
For contact, see the mortgage offer for address and fax number. If the property is being purchased under an Affordable Housing scheme, our requirements are covered in the Affordable Housing Guidance Notes for Conveyancers. The Notes are in the process of being updated, however, in the interim please note the following in relation to Section 4 - Shared Equity Schemes. From 16th January 2023 we will only lend on Affordable Housing Shared Equity Schemes this means Government funded, social housing and co-funded social housing schemes. We will not lend on private company schemes and you must tell us if this the scheme is run by a private company (e.g. builders, developers or employers). If you receive a mortgage offer for a Shared Equity Scheme where the scheme is run by a private company, you must tell us immediately. We will then confirm to you whether the matter can proceed. You do not, however, need to contact us if you hold the mortgage offer issued was issued before 16th January 2023 In the meantime, our updated requirements can be found by copying and pasting the following link http://www.cml.org.uk/cml/filegrab/?ref=8964 into your browser. |
| 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 | We do not lend where the transaction involves affordable housing, shared equity or shared ownership. |
| Hodge Equity Release | We do not lend where the transaction involves affordable housing, shared equity or shared ownership. |
| Holmesdale Building Society | Refer to lender. |
| HSBC UK Bank plc |
Schemes acceptable to the Bank are: a) Shared ownership including New Build Homebuy (NBHB) and First Time Buyer Initiative (FTBI) Schemes currently unacceptable to Bank are: a) Shared Equity Schemes b) Open Market Homebuy c) Discount for Sale d) Properties for sale at a discount e) Any scheme where the Housing Association requires a 2nd charge Shared Ownership Lease Requirements You must check the suitability of the lease for our purposes and, in particular, the protection it affords to us as mortgagee. You must advise us immediately where the lease is not suitable. Without prejudice to the foregoing, we have the following additional requirements: • A suitable mortgagee protection clause. Please refer to the model leases on the gov.uk website for examples of acceptable clauses - https://www.gov.uk/guidance/capital-funding-guide/1- + help-to-buy-shared-ownership • stair casing provisions must enable the borrower to purchase further shares and eventually, 100% of the freehold, if required. • Mutually enforceable covenants (if the property is a flat or maisonette). We will rely on you to ensure that the lease is suitable for our security purposes and follows the form of the appropriate Model Lease available from the gov.uk website subject to your ensuring that the mortgagee protection clause includes: (1) a minimum of 18 months’ interest from the date of enforcement: and (2) the minimum requirement for costs and fees in enforcing the security is 3% of the Market Value at time of enforcement. If the lease does not meet all of the Bank’s requirements but does contain a mortgagee protection clause which meets the Bank’s requirements, the Bank will be happy to proceed provided that you are able to advise that, in your professional opinion, the lease will be a good and sufficient security for the Bank’s mortgage debt and that you are able to submit an unqualified Certificate of Title. If you believe that the security would be adversely affected, you must advise the Bank of the risks and of any action that could be taken to mitigate these and, if so, to what extent. If there is an action that could be taken, the Bank will rely upon your professional judgment to ensure a good and sufficient security is obtained. Stair Casing Provisions The Bank must be able to exercise the stair casing rights and acquire the long lease or freehold without having to become the tenant. Surrendering the Lease If the lease is to be surrendered back to the social landlord in lieu of assignment, the surrender must be for the current market value of the share. |
| Intelligent Finance | We do not lend on these cases. |
| Investec Bank plc | We do not lend in these circumstances. |
| ITL Mortgages | ITL Mortgages Limited does not lend in any of these circumstances. |
| JPMorgan Chase Bank, N.A. | We do not lend in these circumstances. |
| Kensington Mortgage Company Ltd |
We will lend on shared ownership leases. You must comply with Kensington’s Instructions to Conveyancers for Shared Ownership Schemes in England and Wales. The lease must be in the Homes England standard form which includes a mortgage protection clause. Prior to exchange you are required to: • Provide the Landlord with a copy of the mortgage offer/terms of the mortgage (and all other documents issued to the borrower with the mortgage offer and obtain the written consent of the Landlord to the mortgage. Failure to do so will render the mortgage protection clause invalid. • Obtain an undertaking from the Landlord in the Homes England prescribed form. For further information please refer to Kensington’s Instructions to Conveyancers for Shared Ownership Schemes in England and Wales. |
| Kent Reliance (a trading name of OneSavings Bank plc) | |
| Keystone Property Finance | We do not support lending on these types of properties |
| Landbay Partners Limited | N/A. We will not lend on these types of properties. |
| Landmark Mortgages Limited |
This is outside of our general lending policy but if you consider that the transaction does fall into this category you should contact: New Mortgage Completions Landmark Mortgages PO Box 656 Durham DH1 9LY Tel - 0330 159 7152 |
| Leeds Building Society |
If the property is being purchased as part of a Shared Ownership Scheme/Shared Equity Loan Scheme at a discount or is subject to Section 106 restrictions you must comply with the Society’s Solicitors Instructions (requirements in respect of Shared Ownership Schemes/Shared Equity Loan Schemes/Section 106 Requirements/properties purchased at a discount) which can be located on the Society’s website at: https://www.leedsbuildingsociety.co.uk/_resources/pdfs/intermediaries-pdfs/intermediaries-forms-pdfs/Shared_Owner_England_Wales.pdf You must also ensure that the documents listed in 14.2.2 are uploaded to the LMS system S.T.A.R.S after completion. |
| Legal & General Home Finance Ltd | We do not lend on any properties where there is a shared ownership or similar arrangement. |
| LendInvest | Not Applicable. We do not currently lend on properties involving these schemes. |
| LiveMore Capital |
LiveMore does not lend in these circumstances |
| Lloyds Bank plc pre fixed 20/40 |
For contact, see the mortgage offer for address and fax number. If the property is being purchased under an Affordable Housing scheme, our requirements are covered in the Affordable Housing Guidance Notes for Conveyancers. The Notes are in the process of being updated, however, in the interim please note the following in relation to Section 4 - Shared Equity Schemes. From 16th January 2023 we will only lend on Affordable Housing Shared Equity Schemes this means Government funded, social housing and co-funded social housing schemes. We will not lend on private company schemes and you must tell us if this the scheme is run by a private company (e.g. builders, developers or employers). If you receive a mortgage offer for a Shared Equity Scheme where the scheme is run by a private company, you must tell us immediately. We will then confirm to you whether the matter can proceed. You do not, however, need to contact us if you hold the mortgage offer issued was issued before 16th January 2023. In the meantime, our updated requirements can be found by copying and pasting the following link http://www.cml.org.uk/cml/filegrab/?ref=8965 into your browser. |
| Lloyds Bank plc pre fixed 50/30/77 |
For contact, see the mortgage offer for address and fax number. If the property is being purchased under an Affordable Housing scheme, our requirements are covered in the Affordable Housing Guidance Notes for Conveyancers. The Notes are in the process of being updated, however, in the interim please note the following in relation to Section 4 - Shared Equity Schemes. From 16th January 2023 we will only lend on Affordable Housing Shared Equity Schemes this means Government funded, social housing and co-funded social housing schemes. We will not lend on private company schemes and you must tell us if this the scheme is run by a private company (e.g. builders, developers or employers). If you receive a mortgage offer for a Shared Equity Scheme where the scheme is run by a private company, you must tell us immediately. We will then confirm to you whether the matter can proceed. You do not, however, need to contact us if you hold the mortgage offer issued was issued before 16th January 2023. In the meantime, our updated requirements can be found by copying and pasting the following link http://www.cml.org.uk/cml/filegrab/?ref=8964 into your browser. Last updated: 21/12/2022 |
| Lloyds TSB Scotland plc |
For contact, see the mortgage offer for address and fax number. If the property is being purchased under an Affordable Housing scheme, our requirements are covered in the Affordable Housing Guidance Notes for Conveyancers. The Notes are in the process of being updated, however, in the interim please note the following in relation to Section 4 - Shared Equity Schemes. From 16th January 2023 we will only lend on Affordable Housing Shared Equity Schemes this means Government funded, social housing and co-funded social housing schemes. We will not lend on private company schemes and you must tell us if this the scheme is run by a private company (e.g. builders, developers or employers). If you receive a mortgage offer for a Shared Equity Scheme where the scheme is run by a private company, you must tell us immediately. We will then confirm to you whether the matter can proceed. You do not, however, need to contact us if you hold the mortgage offer issued was issued before 16th January 2023. In the meantime, our updated requirements can be found by copying and pasting the following link http://www.cml.org.uk/cml/filegrab/?ref=8964 into your browser. Last updated: 21/12/2022 |
| M&S Bank | M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322 |
| Magellan Homeloans | We do not lend in these circumstances |
| Manchester Building Society | Underwriting Department. |
| Market Harborough Building Society |
As per 1.7 |
| Masthaven Bank | As per 1.11. |
| Metro Bank plc | We do not lend on the above. |
| ModaMortgages |
We do not lend under these circumstances. |
| Molo Finance | N/A. We do not lend where the transaction involves affordable housing, key worker, shared equity or shared ownership, even where 100% staircasing has taken place. |
| Monmouthshire Building Society |
Lending Operations Department Monmouthshire Building Society Monmouthshire House John Frost Square Newport NP20 1PX |
| Mortgage Agency Services | N/a |
| Mortgage Express | We do not lend in these circumstances |
| Mortgage Express No 2 | |
| MPowered Mortgages | We do not lend on these properties |
| National Counties Building Society | We do not lend on such schemes. |
| National Westminster Bank plc |
We do not lend on shared ownership properties other than in circumstances where the transaction in question will result in the borrower owning 100% of the property at completion. For shared equity and affordable housing you need to notify us (as detailed above in 1.11a) giving details of the proposal. |
| Nationwide Building Society |
Our standard requirements are document on our website at nationwide.co.uk/-/media/MainSite/documents/about/media-centre-and-specialist-areas/information-for-lawyers/low-cost-home-ownership-special-schemes.pdf . Please advise us if the restriction does not meet our requirements as the case will not be able to proceed. Additional enquiries arising should be directed to the Issuing Office. |
| Nedbank Private Wealth Ltd | You must refer to us - we do not lend in situations where a third party will also be taking a share in or a charge over the title. |
| New Street Mortgages |
N/A. New Street will not lend in these circumstances |
| NRAM Ltd | This is outside of our general lending policy but if you consider that the transaction does fall into the category you should contact us by using the details in 1.11a. |
| Paragon Buy to Let Mortgages |
N/A. We do not lend on these. We also do not lend on properties that were formerly shared ownership, even where 100% staircasing has taken place. |
| Paragon Residential Owner-Occupied Mortgages | As 1.11a. |
| Paratus AMC Ltd | Not Applicable. We do not current lend on properties involving these schemes. |
| Parity Trust | As 1.7 |
| Pepper Money |
Schemes acceptable to Pepper Money are: a) Shared ownership b) Shared Equity Schemes (via Help to Buy) c) Properties for sale at a discount via Right to Buy or First Homes Schemes currently unacceptable to Pepper Money are: a) Open Market Homebuy c) Discount for Sale d) Any scheme where the Housing Association requires a 2nd charge Please ensure the scheme and application meets our requirements set out in our Affordable Housing Guidance notes: <a href="https://pepper.money/file/Housing-Schemes-Lender-Handbook.pdf">https://pepper.money/file/Housing-Schemes-Lender-Handbook.pdf</a> |
| Pepper Money (PUK) |
Schemes acceptable to Pepper Money are: a) Shared ownership b) Shared Equity Schemes (via Help to Buy) c) Properties for sale at a discount via Right to Buy or First Homes Schemes currently unacceptable to Pepper Money are: a) Open Market Homebuy c) Discount for Sale d) Any scheme where the Housing Association requires a 2nd charge Please ensure the scheme and application meets our requirements set out in our Affordable Housing Guidance notes: <a href="https://pepper.money/file/Housing-Schemes-Lender-Handbook.pdf">https://pepper.money/file/Housing-Schemes-Lender-Handbook.pdf</a> |
| 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.) | We do not lend in these circumstance. |
| Precise Mortgages (Charter Court Financial Services Ltd) |
We do not lend under these circumstances. |
| Principality Building Society |
Shared ownership: We currently only lend against shared ownership schemes in Wales which involve either a Pobl Group lease or a Shared Ownership Wales standard template lease. You must always obtain the lessor’s written consent to any Mortgage Offer issued by us. In order for a shared ownership lease to be acceptable it is required to have: A standard Mortgagee Protection Clause, a remaining lease term of at least 85 years and to be in the names of the borrowers only. If the lease permits downward stair-casing we must pre-approve in writing any such offer from the landlord and all sale proceeds must be paid direct to us. If the lease includes nomination or pre-emption rights these are generally acceptable to us providing the time scales involved cease to operate after 20 weeks and that, at such time the property may be sold on the open market. You should none the less refer details of restrictions to us so we may refer them onto our valuer. If the lease contains any other provisions which may adversely affect the value or marketability of the property you must provide us with further details and await our instructions. We are not obliged to grant additional lending on shared ownership properties. All queries should be referred to Mortgage New Business (see point 1.7 for contact details). Shared Equity: We will lend on certain Shared Equity properties where a scheme has been previously agreed. You are required to seek our confirmation prior to exchange of contracts. All queries should be referred to Mortgage New Business (see point 1.7 for contact details). s.106 agreements: Whenever a property is affected by a s.106 agreement you are required to summarise the main points arising which may adversely affect the property’s good and marketable title. This summary should be sent to us in writing and be accompanied by an explanation of any associated risks and your advice in respect of these risks. You should not proceed with the case until you receive our further instructions. Please refer to Mortgage New Business (details in point 1.7) for any further clarification. |
| 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 | We do not lend in these circumstances. |
| Saffron Building Society |
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 | We will not lend in the scenario. |
| Santander UK plc | Refer to Mortgage Operations office instructing you. |
| Scottish Building Society | |
| Scottish Widows Bank | We do not lend unless borrower obtains 100% ownership of the property. |
| Secure Trust Bank PLC | We do not accept shared ownership or shared equity properties. |
| Skipton Building Society | If you have been instructed to act for the Society in relation to a shared ownership application, please see the mortgage offer, including the associated ‘Instructions to Conveyancers’ document for details of our requirements. If you require a copy of the Instructions to Conveyancers, please contact the Completions team on 0345 6079850. |
| St James Place Bank | Lending on these schemes is not supported. |
| State Bank of India UK | N/A ? we do not lend where one of these schemes exist. |
| Swansea Building Society |
11/12 Cradock Street Swansea SA1 3EW 01792 739100 |
| The Mortgage Business |
We will not lend in these circumstances. |
| The Mortgage Lender Limited |
completions@themortgagelender.com Tel: 0344 257 0426 |
| The Mortgage Works |
Originations |
| The Royal Bank of Scotland plc |
We do not lend on shared ownership properties other than in circumstances where the transaction in question will result in the borrower owning 100% of the property at completion. For shared equity and affordable housing you need to notify us (as detailed above in 1.11a) giving details of the proposal. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
We do not lend on shared ownership properties other than in circumstances where the transaction in question will result in the borrower owning 100% of the property at completion. For shared equity and affordable housing you need to notify us (as detailed above in 1.11a) giving details of the proposal. |
| The Royal Bank of Scotland plc Direct Line One |
We do not lend on shared ownership properties other than in circumstances where the transaction in question will result in the borrower owning 100% of the property at completion. For shared equity and affordable housing you need to notify us (as detailed above in 1.11a) giving details of the proposal. |
| The Royal Bank of Scotland plc First Active |
We do not lend on shared ownership properties other than in circumstances where the transaction in question will result in the borrower owning 100% of the property at completion. For shared equity and affordable housing you need to notify us (as detailed above in 1.11a) giving details of the proposal. |
| The Royal Bank of Scotland plc Natwest one Account |
We do not lend on shared ownership properties other than in circumstances where the transaction in question will result in the borrower owning 100% of the property at completion. For shared equity and affordable housing you need to notify us (as detailed above in 1.11a) giving details of the proposal. |
| The Royal Bank of Scotland plc One Account |
We do not lend on shared ownership properties other than in circumstances where the transaction in question will result in the borrower owning 100% of the property at completion. For shared equity and affordable housing you need to notify us (as detailed above in 1.11a) giving details of the proposal. |
| The Royal Bank of Scotland plc Virgin One |
We do not lend on shared ownership properties other than in circumstances where the transaction in question will result in the borrower owning 100% of the property at completion. For shared equity and affordable housing you need to notify us (as detailed above in 1.11a) giving details of the proposal. |
| 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.You need to notify us (as detailed in 1.11a)giving details of the proposal. |
| Vida Homeloans | Vida Homeloans does not lend in these circumstances. |
| Virgin Money |
We lend on shared ownership properties in limited circumstances. Where we know the property is shared ownership and are happy with that arrangement, we'll include a shared ownership special condition in the "Special conditions" section of our offer. If there is no shared ownership special condition, then you need to let us know if the property is shared ownership by contacting us on: 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) | This is outside of our general lending policy but if you consider that the transaction does fall into this category you should contact Customer Services, other details as 1.11a |
| Yorkshire Bank Home Loans Ltd |
The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 |
| Yorkshire Building Society | We do not lend where the transaction involves either a shared equity scheme or shared ownership of the property. |
| Zephyr Homeloans | For clarity, Zephyr does not lend on such properties. |