Back to previous page
Question: 6.5.1. If different from 1.11, contact point if vacant possession is not being given:
| Lender | Answer |
|---|---|
| Accord Buy to Let | As 1.11a. |
| Accord Mortgages Ltd | As 1.11a. If prior to completion of the mortgage you become aware that the borrower intends to let the property, you must inform us immediately. |
| Adam & Company |
See 1.11. See also our 'Separate Instructions'. |
| Adam & Company International |
See 1.11. See also our 'Separate Instructions'. |
| Ahli United Bank (UK) plc | New Business/Underwriting - Residential Mortgage Department |
| Aldermore Bank PLC | As 1.11. |
| 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 |
Residential Mortgage Purchase – if vacant possession is not to be provided we cannot proceed. Buy to Let mortgages – we require vacant possession unless we state otherwise in the offer. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | As 1.11a. |
| Better HomeOwnership (Mortgages) | See 1.11 |
| Birmingham Bank | mortgages@birminghambank.com |
| Birmingham Midshires |
Completions Team at office issuing mortgage instructions. See Offer for contact details. |
| 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. If prior to completion of the mortgage, you become aware that the borrower intends to let the property, you must inform us immediately. |
| CHL Mortgages | As per 1.11 |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc |
See 1.11a earlier. |
| Coutts | See 1.11. See also our 'Separate Instructions'. |
| Coutts Finance Co | See 1.11. See also our 'Separate Instructions'. |
| Coventry Building Society |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR Residential properties: we require vacant possession to be obtained upon completion. If you identify that a residential property is to be let on completion, you must advise us. Buy to Let properties: please refer to 6.6.1 for our requirements where the property is already let or will be let on completion. |
| Cynergy Bank | As per 1.11.b |
| Danske Bank | Residential Mortgage Purchase – if vacant possession is not to be provided we cannot proceed. |
| 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, however please use the following email instead: MortgageCompletions@dudleybuildingsociety.co.uk |
| 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 |
We require vacant possession to be obtained upon completion.We do not lend on property that is let or is to be let at completion and where you identify a residential property is to be let on completion, you must advise us |
| Fleet Mortgages | See 1.11a |
| Foundation Home Loans |
See 1.11.a Residential Properties: We require vacant possession to be obtained on completion. If this cannot be achieved you must advise us. Buy To Let Properties: please refer to Part 1 paragraph 6.6.1 & 6.6.2 for our requirements where a property is already let or is to be let on or following completion. |
| Furness Building Society | As 1.11a |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H | As 1.11a. |
| Godiva Mortgages Ltd |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR Residential properties: we require vacant possession to be obtained upon completion. If you identify that a residential property is to be let on completion, you must advise us. Buy to Let properties: please refer to 6.6.1 for our requirements where the property is already let or will be let on completion. |
| Habito |
Residential properties require vacant possession to be obtained upon completion Buy to Let properties where the property is already subject to an existing tenancy which will remain in place following completion, we will lend where the tenancy is an Assured Shorthold Tenancy and meets the following criteria: · The tenant must be an individual · The property must be occupied as the tenant's only or principal home · The tenancy must be dated on or after 28/02/1997 and must not be one that can become an assured tenancy. |
| Halifax |
Customer Service 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, Mortgage Department, Advances Section. |
| Hodge | As per 1.11a |
| Hodge Equity Release | As per 1.11a |
| Holmesdale Building Society | Lender. |
| HSBC UK Bank plc |
Residential properties: we require vacant possession to be obtained upon completion. Where you identify a residential property is to be let on completion, you must advise us. Buy to Let properties: please refer to 6.6.1 for our requirements where the property is already let or will be let on completion. |
| 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 Residential properties: we require vacant possession to be obtained upon completion. If you identify that a residential property is to be let on completion, you must advise us. Buy to Let properties: please refer to 6.6.1 for our requirements where the property is already let or will be let on completion. |
| JPMorgan Chase Bank, N.A. | Yes, unless referred to specifically in mortgage offer (please refer all incentives whether contractual or not). |
| 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) | We will not lend where there is an existing tenancy unless it is clear from the mortgage offer that the property is let or to be let at completion. |
| Keystone Property Finance | As 1.11a |
| Landbay Partners Limited |
We only lend on Buy to Let properties. If the vendor is a family member, we may only lend with vacant possession. If vacant possession isn't being offered on the property, and the tenant isn't related to our borrower, the AST must be assigned to our borrower. |
| Landmark Mortgages Limited |
New Mortgage Completions Landmark Mortgages PO Box 656 Durham DH1 9LY Tel - 0330 159 7152 |
| Leeds Building Society | Mortgage Lending Department (as per 1.11a) providing full details. |
| 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 | Vacant possession is required. If there is any doubt about this please contact the issuing office as per 1.11. |
| 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 |
We will lend where there is an existing tenancy as long as the property is let under a single Assured Shorthold Tenancy or a contractual/common law tenancy, for a fixed term of no more than 12 months. |
| 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 |
Residential Mortgage Purchase – if vacant possession is not to be provided we cannot proceed. Buy to Let mortgages – we require vacant possession unless we state otherwise in the offer. |
| 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 |
We will not lend on any case where there is an existing tenancy unless it is clear from the mortgage offer that the property is let or is to be let at completion then you must check with us whether we lend on "buy-to-let" properties and that the mortgage is for that purpose |
| Nedbank Private Wealth Ltd | You must 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 |
| Parity Trust | As 1.7 |
| Pepper Money | Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money |
| Pepper Money (PUK) | Pepper Money Completions Department Tel No. 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) |
We will not lend where there is an existing tenancy unless it is clear from the mortgage offer that the property is let or to be let at completion. |
| Principality Building Society |
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 |
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 | Vacant possession must be granted or the case cannot proceed. |
| 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 |
(i) Completions Team via LMS Secure Link (ii) Commercial Servicing Team |
| St James Place Bank | Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS |
| State Bank of India UK | As 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 |
Originations |
| The Royal Bank of Scotland plc | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc Direct Line Mortgages | As detailed above 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 Gosforth Newcastle upon Tyne NE3 4PL Solicitor Helpline: 0845 604 4858 Solicitor Email: postoffer@virginmoney.com |
| Whistletree (a trading name of TSB Bank plc) | Details as 1.11a |
| Yorkshire Bank Home Loans Ltd |
The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 |
| Yorkshire Building Society | As 1.11a. If prior to completionof the mortgage you become aware that the borrower intends to let the property, you must inform us immediately. |
| Zephyr Homeloans | As per 1.11 |