Answers for England and Wales

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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.
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 Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
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
Jubilee House
Gosforth
Newcastle upon Tyne
NE3 4PL

or DX 60350 Gosforth

Solicitors Helpline: 0845 604 4858
Whistletree (a trading name of TSB Bank plc) Details as 1.11a
Yorkshire Bank Home Loans Ltd Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
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