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Question: 6.6.2. If different from 1.11, contact point when you do not have details of current letting or letting to take place at completion:
| 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 |
| Adam & Company International |
See 1.11 |
| Ahli United Bank (UK) plc | Central Administration Unit |
| 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 per 1.11 |
| Aviva Equity Release UK Ltd |
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. |
| 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 | Issuing Office |
| 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. |
| CHL Mortgages | As per 1.11. Also see the ‘Solicitors Instructions’ letter and the terms and conditions of the mortgage offer. |
| 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 |
| Coutts Finance Co | See 1.11 |
| Coventry Building Society |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Cynergy Bank | As per 1.11.b |
| 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 | |
| Fleet Mortgages | See 1.11a |
| Foundation Home Loans |
The property must be let under an approved AST at or within 3 months of completion. The Mortgage Offer will set out our specific requirements for any letting of the property. Any queries regarding standard or special mortgage conditions for letting the property should be referred to us, see 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 |
| Habito | as per 1.11 |
| Halifax |
Customer Service Centre. (see offer for address and fax number) |
| Halifax Loans Ltd |
No, 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 | We do not consent to lettings |
| Holmesdale Building Society | Lender. |
| HSBC UK Bank plc | |
| 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 |
| 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) | |
| Keystone Property Finance | The property must be let under an approved AST at or within 3 months of completion. The Mortgage Offer will set out our specific requirements for any letting of the property. Any queries regarding standard or special mortgage conditions for letting the property should be referred to contact details in 1.11a |
| Landbay Partners Limited | Note that we will only lend on a buy-to-let basis and any letting must comply with our buy-to-let conditions. |
| 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 |
| LiveMore Capital | N/A |
| 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 | As per 1.11. |
| ModaMortgages |
As per 1.11a. Where it is established that the property is not already let, then the appropriate condition will be imposed on the Offer to ensure that the conditions of the future tenancy comply with lending parameters. |
| 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 | The property must be let under an approved AST at or within 3 months of completion. The Mortgage Offer will set out our specific requirements for any letting of the property. Any queries regarding standard or special mortgage conditions for letting the property 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 1.11a |
| Nationwide Building Society |
Issuing Office |
| 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. 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 | N/A. |
| Paratus AMC Ltd |
The property must be let under an approved AST at or within 3 months of completion. The Mortgage Offer will set out our specific requirements for any letting of the property. Any queries regarding standard or special mortgage conditions for letting the property 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) | |
| 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 | 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 |
(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 Only where the mortgage is for Buy to let purposes, we do not consent to letting on (owner occupied) residential mortgages |
| 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. |
| Zephyr Homeloans | As per 1.11 |