Answers for England and Wales

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Question: 6.6.1. If different from 1.11, contact point if property is let/to be let and to check you lend on buy-to-let:

Lender Answer
Accord Buy to Let As 1.11a. Where the loan is explicitly identified in the Mortgage Offer as a Buy to Let purchase or re-mortgage, you do not need to inform us that the transaction is for Buy to Let purposes. We do require you to check the property being offered as security will have a minimum Energy Performance Rating of E as at completion of the mortgage transaction or will benefit from a valid [PRS] exemption.
Accord Mortgages Ltd As 1.11a.
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 April do not lend on BTL or properties to be let. Please contact as per 1.11
Atom Bank plc As detailed above in 1.11, though we only need to be contacted if it appears from the mortgage or instructions that we are not aware that the property is let or to be let.
Aviva Equity Release UK Ltd We do not allow buy-to-let or for the whole property to be let.

We will allow customers to let out a discrete part of the Property at the inception of or during the lifetime of the mortgage providing certain conditions are met. These are:
• The part of the Property where the tenant will reside must be self-contained so that the tenant can have exclusive possession of that part.
• The valuer will confirm that the proposed tenant living space will be no more than 50% of total area on which the mortgage is to be secured.
• The Property must meet all other criteria within our lending rules.
Once we have verified the Property meets our requirements, we will then proceed to offer and include any specific requirements to you in a Special Condition.
In all cases, we require you to check that the tenancy agreement is an Assured Shorthold Tenancy (with a maximum of 6 months renewable term and terminable on 2 months’ notice) and be materially in the form of the precedent set out in https://www.gov.uk/government/publications/model-agreement-for-a-shorthold-assured-tenancy.
You are also required to obtain an Tenant’s Deed of Consent for any occupant of the proposed tenant living space. Each occupant of the proposed tenant living space must receive separate independent legal advice from a solicitor, Chartered Legal Executive or Licensed Conveyancer in a different firm to the Borrower’s solicitor. The Tenant’s Deed of Consent must be witnessed by the solicitor providing the advice.

See 1.11 for Aviva contact details
Bank of China mortgages@bank-of-china.com
Bank of Ireland (UK) plc See 1.11.
There is no need to check with us if the existing or proposed letting complies with the terms of the Offer.
Bank of Ireland as Bank of Ireland Mortgages See 1.11.
There is no need to check with us if the existing or proposed letting complies with the terms of the Offer.
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
Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST.
Bank of Scotland Beginning O Address and telephone number on the Mortgage Offer.
Applications which involve distressed sales are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST.
Bank of Scotland Private Banking  
Barclays Bank UK PLC Where the loan is explicitly identified in the Mortgage Offer as a Buy to Let purchase or remortgage, you do not need to inform us that the transaction is for Buy to Let purposes.
Where the BTL transaction includes a sale and lease back arrangement you only need you contact us if either of the following criteria are not met:
• Lease term is from 6 to 36 months
• The property must not be used for a sales office (except where the garage alone is to be used for such purpose
• The tenant must not be the previous owner of the property.
• The property cannot be used as the site’s official sales office – other than where the garage alone is to be used for such purpose.
• The developer’s Licence Agreement that the property will be returned to original state must be evidenced.
Barnsley Building Soc, a trading name Yorkshire Building Soc As 1.11a. If prior to completion you become aware that the borrower intends to let the property, you must inform us immediately.
Birmingham Bank mortgages@birminghambank.com
Birmingham Midshires Conveyancer Support Team. (see offer for address and fax number)
Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST.
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.
CHL Mortgages As per 1.11. Also see the ‘Solicitors Instructions’ letter and the terms of the mortgage offer.
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

Funds may not be used to purchase a property from a company in which the borrower has an interest.

Funds may not be used to replace existing development finance.

Funds may not be used to purchase a Buy to Let Property that is to be let to the current owner (i.e. who will remain in occupation of the property as a tenant).

Where the property is already let or will be let at completion, the legal representative is to ensure that any existing or proposed tenancy agreement is in a form normally used for residential agreements and it does not confer security of tenure on the tenant(s) beyond the initial fixed contractual term, which must not exceed 36 months.

The legal representative is to ensure that where the property is located within a designated additional licensing area (under Part 2 of the Housing Act 2004) or a designated selective licensing area (under Part 3 of the Housing Act 2004), a licence has been granted by the local authority in respect of the property. Alternatively, where the property is being purchased by the borrower, or the deadline for applying for a licence has not yet expired, the legal representative is to ensure that the borrower is aware of their obligation to apply for a licence following completion. The legal representative must ensure that the property is not subject to mandatory licensing requirements.
Cynergy Bank As per 1.11.a
Danske Bank We do not currently provide buy-to-let mortgages in England & Wales.
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
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 do not lend on property that is let or is to be let at completion
Fleet Mortgages See 1.11a. Your attention is drawn, however, to the terms of the mortgage offer. We do not require a report if consent to the property being let is granted under the terms of the offer.
Foundation Home Loans The mortgage offer will indicate whether the mortgage is a Residential or Buy to Let product. Any queries regarding standard or special mortgage conditions should be referred to us se 1.11.a
Furness Building Society As 1.11a
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Gen H We do not normally consent to letting on residential mortgages but please report to us as detailed in 1.11a.
Godiva Mortgages Ltd New Lending Department,
Oakfield House,
PO Box 600, Binley,
Coventry,
CV3 9YR

Funds may not be used to purchase a property from a company in which the borrower has an interest.

Funds may not be used to replace existing development finance.

Funds may not be used to purchase a Buy to Let Property that is to be let to the current owner (i.e. who will remain in occupation of the property as a tenant).

Where the property is already let or will be let at completion, the legal representative is to ensure that any existing or proposed tenancy agreement is in a form normally used for residential agreements and it does not confer security of tenure on the tenant(s) beyond the initial fixed contractual term, which must not exceed 36 months.

The legal representative is to ensure that where the property is located within a designated additional licensing area (under Part 2 of the Housing Act 2004) or a designated selective licensing area (under Part 3 of the Housing Act 2004), a licence has been granted by the local authority in respect of the property. Alternatively, where the property is being purchased by the borrower, or the deadline for applying for a licence has not yet expired, the legal representative is to ensure that the borrower is aware of their obligation to apply for a licence following completion. The legal representative must ensure that the property is not subject to mandatory licensing requirements.
Habito as per 1.11
Halifax Conveyancer Support Team. (see offer for address and fax number)
Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST.
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 providing full details and await our response prior to proceeding
Hodge Equity Release We do not consent to lettings
Holmesdale Building Society Lender.
HSBC UK Bank plc • Our requirements are:
1. The agreement between the mortgagor and the tenant(s) must not result in the tenant(s) having the benefit of any security of tenure over and above the contractual term of the tenancy:
2. The Bank must be able to obtain vacant possession at the end of the term if required.
3. The tenancy agreement, and the entry into of it, must be valid and properly constituted
4. If the property is leasehold tenure, the lessor’s/freeholder’s consent is obtained.

We will accept the following types of tenancy agreement:

• An Assured Shorthold Tenancy (“AST”) under the Housing Act 1988, which meets all of the statutory requirements including the following criteria:
i. The tenant must be an individual:
ii. The property must be occupied as the tenant’s only or principal home; and
iii. The tenancy must be dated on or after 28 February 1997 and must not be one that can become an Assured Tenancy
iv. The term of any AST agreement, including any extension periods contained within the agreement, must not exceed 3 years.

• In the case of properties in Wales, a Standard Contract that meets the relevant statutory requirements under the Renting Homes (Wales) Act 2016 including the following criteria:

i. The tenant must be an individual;
ii. The property must be occupied as the tenant’s or tenants’ only or principal home with no right to sublet or charge all or part of the property;
iii. The tenancy must not be one that can become a secure contract;
iv. Compliance with the fundamental provisions requirements set out in the Renting Homes (Wales) Act 2016 as applicable;
vi. The term of any Standard Contract, including any extension periods contained within the agreement, must not exceed 3 years.

• a Company Let (a residential letting to a company which permits occupation of the property by an employee of the company tenant) which does not fall within the provisions of the Housing Act 1988 (as amended by the Housing Act 1996). Please note that neither the company nor the occupant will have security of tenure and the term of any Company Let agreement must not exceed 12 months.

We do not require sight of the AST agreement or the Company Let agreement.
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


Funds may not be used to purchase a property from a company in which the borrower has an interest.

Funds may not be used to replace existing development finance.

Funds may not be used to purchase a Buy to Let Property that is to be let to the current owner (i.e. who will remain in occupation of the property as a tenant).

Where the property is already let or will be let at completion, the legal representative is to ensure that any existing or proposed tenancy agreement is in a form normally used for residential agreements and it does not confer security of tenure on the tenant(s) beyond the initial fixed contractual term, which must not exceed 36 months.

The legal representative is to ensure that where the property is located within a designated additional licensing area (under Part 2 of the Housing Act 2004) or a designated selective licensing area (under Part 3 of the Housing Act 2004), a licence has been granted by the local authority in respect of the property. Alternatively, where the property is being purchased by the borrower, or the deadline for applying for a licence has not yet expired, the legal representative is to ensure that the borrower is aware of their obligation to apply for a licence following completion. The legal representative must ensure that the property is not subject to mandatory licensing requirements.
JPMorgan Chase Bank, N.A. Refer to office issuing Mortgage Instructions.
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) Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale and rent back arrangements, whereby the vendor will not vacate the property but will continue to reside.
Keystone Property Finance The mortgage offer will indicate the mortgage is a Buy to Let , and whether we are lending on a House in Multiple Occupation or Multi-Let Unit. Any queries regarding standard or special mortgage conditions should be referred to contact details in 1.11a
Landbay Partners Limited We only lend on buy-to-let properties. Please check the mortgage documentation to see what tenancies are acceptable.
Landmark Mortgages Limited New Mortgage Completions
Landmark Mortgages
PO Box 656
Durham
DH1 9LY

Tel - 0330 159 7152
Leeds Building Society As per 1.11a.
Legal & General Home Finance Ltd Same as 1.11a
LendInvest See 1.11a. Your attention is drawn, however, to the terms of the mortgage offer. We do not require a report if consent to the property being let is granted under the terms of the offer.
LiveMore Capital We do not allow properties to be let. Please contact us if you are aware that the property is to be let.
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 Issuing Office
Manchester Building Society Underwriting Department.
Market Harborough Building Society As per 1.7
Masthaven Bank As per 1.11.
Metro Bank plc If the Property is subject to a letting, solicitor to confirm that:
a. the tenancy is an Assured Shorthold Tenancy within the meaning of the Housing Act 1988 (as amended) (“the Act”);
b. the terms of the tenancy do not constitute or cause a breach of any headlease, any superior lease or any covenant or restriction affecting the freehold out of which the Borrower’s lease is granted;
c. the tenancy is granted on acceptable terms and does not contain any unduly onerous covenants on the part of the landlord;
d. all notices required to be served upon the tenant pursuant to the Act (as amended) have been so served and where the tenancy is to be granted following completion notice is served of the right of the Bank to recover possession under ground 2 in Schedule Two to the Act.
ModaMortgages As per 1.11a.

Any existing or proposed tenancy must comply with the special conditions relating to tenancies. In any other case, please report to us (see 1.11a).

Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale and rent back arrangements, whereby the vendor will not vacate the property but will continue to reside.
Molo Finance As 1.11a.
Monmouthshire Building Society Lending Operations Department
Monmouthshire Building Society
Monmouthshire House
John Frost Square
Newport
NP20 1PX

Applications which involve "distressed sales" are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST.
Mortgage Agency Services Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage Express As 1.11a for new mortgages. If post-completion please refer to 16.4.1
Mortgage Express No 2  
MPowered Mortgages The mortgage offer will indicate the mortgage is a Buy to Let product, and whether we are lending on a House in Multiple Occupation or Multi-Let Unit. Any queries regarding standard or special mortgage conditions should be referred to See 1.11a
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 detailed above in clause 1.11a, though we only need to be contacted if it appears from the mortgage offer or the instructions that we are not aware that the property is let or to be let.
Nationwide Building Society Issuing Office
Nedbank Private Wealth Ltd You must refer to us. Our instructions will usually advise the occupancy status of the property. Please advise if your perception is different to that advised by 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 Contact not required if a NRAM Ltd Buy to Let mortgage, otherwise see 1.11a
Paragon Buy to Let Mortgages As 1.11a. See also our Supplemental Instructions and Guidance Notes, together with our Mortgage Conditions and General and Special Conditions accompanying our Offer.
Paragon Residential Owner-Occupied Mortgages As 1.11a. This is a residential product and the property must be owned and occupied by the Borrower (and family).
Paratus AMC Ltd The mortgage offer will indicate whether the mortgage is a Residential or Buy to Let product, and whether we are lending on a House in Multiple Occupation or Multi-Let Unit. Any queries regarding standard or special mortgage conditions should be referred to 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) If the mortgage is a buy to let product, any existing or proposed tenancy must comply with the special conditions relating to tenancies. In any other case, please report to us (see 11.1a). Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale and rent back arrangements, whereby the vendor will not vacate the property but will continue to reside.
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. Please note that if the mortgage offer states that the loan is on a Buy to Let basis we are anticipating the property is let/will be let and you should ensure that any existing occupants are subject to an Assured Shorthold Tenancy Agreement.
Saffron Building Society Only report to us if it appears from the mortgage or instructions that we are not aware that the property is let or to be let
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 Contact point as detailed in 1.11a
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 Buy to let Properties clearly state so on the Offer and will state the mortgage is unregulated. If not,please report to us as the case will have to be re-assessed and re-offered, if approved, on a Buy to Let basis. Please note we do not accept Buy to Let applications where members of the family occupy or will occupy.

For leasehold properties:
- the letting must not breach any of the lessee’s covenants; and
- consent of the lessor must be obtained if necessary
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.
Please note that we currently only lend on buy-to-let property.

Sale and rent back is not acceptable.

Any existing or proposed letting must comply with our Buy to Let Mortgage Conditions and the Special Conditions relating to tenancies.
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
Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST.
The Mortgage Lender Limited Should you become aware that the borrower intends to rent out the property and the mortgage offer is not for a Buy to Let
OR
If the Mortgage offer is for a Buy to Let and you become aware that the borrower or a member of their family intends to reside in the property, You must advise us immediately.

Please note that this instruction is also applicable where the product selected permits Holiday and Short Term Lets.

completions@themortgagelender.com

Tel: 0344 257 0426
The Mortgage Works TMW is a buy to let lender. Rent back is not acceptable, you should report to us if the existing tenant has owned or retains an interest in the property or if the seller is to remain or retain an interest in the property.
Where the property is subject to selective licensing as designated by the Local Authority we will lend only if the licence is in place or will be granted on or before completion.
The Royal Bank of Scotland plc As detailed above in 1.11a, though we only need to be contacted if it appears from the mortgage offer or the intructions that we are not aware that the property is let or to be let.
The Royal Bank of Scotland plc Direct Line Mortgages As detailed above in 1.11, though we only need to be contacted if it appears from the mortgage offer or the instructions that we are not aware that the property is let or to be let.
The Royal Bank of Scotland plc Direct Line One As detailed above in clause 1.11a, though we only need to be contacted if it appears from the mortgage offer or the instructions that we are not aware the property is let or to be let.
The Royal Bank of Scotland plc First Active As detailed above in 1.11a, though we only need to be contacted if it appears from the mortgage offer or the instructions that we are not aware that the property is let or to be let.
The Royal Bank of Scotland plc Natwest one Account As detailed above in clause 1.11, though we only need to be contacted if it appears from the mortgage offer or the instructions that we are not aware the property is let or to be let.
The Royal Bank of Scotland plc One Account As detailed above in clause 1.11a, though we only need to be contacted if it appears from the mortgage offer or the instructions that we are not aware the property is let or to be let.
The Royal Bank of Scotland plc Virgin One As detailed above in clause 1.11, though we only need to be contacted if it appears from the mortgage offer or the instructions that we are not aware the property is let or to be let.
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, though we only need to be contacted if it appears from the mortgage offer or the instructions that we are not aware that the property is let or to be let.
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) Contact not required if a Buy To Let mortgage, otherwise 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.
Zephyr Homeloans As per 1.11