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Question: 6.6.3. Does the lender require counterpart/certified copy tenancy agreement to be sent to you?
| Lender | Answer |
|---|---|
| Accord Buy to Let | No. But you must retain a copy for your file. |
| Accord Mortgages Ltd | No |
| Adam & Company |
Yes, a certified copy of the counterpart after completion. |
| Adam & Company International |
Yes, a certified copy of the counterpart after completion. |
| Ahli United Bank (UK) plc | Yes |
| Aldermore Bank PLC |
No, however you must notify us if the tenancy agreement does not comply with the terms in our ‘Solicitors Instructions’ letter and the terms and conditions of the mortgage offer The following tenancy agreements are acceptable: • Assured short-hold tenancy agreement (AST) for up to 3 years • Short assured tenancy agreement (SAT) for up to 3 years • Scottish Private Residential Tenancy • Welsh Standard Occupation Contracts • Corporate lets for up to 5 years remaining on the tenancy agreement – if let directly to a Public Limited Company (PLC) or to a registered provider of social housing in England, Wales or Scotland |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | No, may be provided to the Borrower. |
| April Mortgages | April do not lend on BTL or properties to be let. Please contact as per 1.11 |
| Atom Bank plc | No - to be held on file with the title deeds and documents after completion unless otherwise stated in the offer. |
| Aviva Equity Release UK Ltd | No. |
| Bank of China | No. |
| Bank of Ireland (UK) plc | Yes, to be placed with the title deeds after completion. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes, to be placed with the title deeds after completion. |
| Bank of Scotland Beginning A |
No, please forward to the borrower. |
| Bank of Scotland Beginning O |
No, please forward to the borrower |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | No |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | No. |
| Birmingham Bank | Yes |
| Birmingham Midshires |
No, please forward to the borrower. |
| Bluestone Mortgages | No. |
| Bradford & Bingley Limited | No |
| Britannia, a trading name of The Co-operative Bank plc | We do not lend on a property that is let or will be let on completion. |
| Buckinghamshire Building Society | Yes |
| Chelsea Building Society (a trading name of Yorkshire BS) | No. |
| CHL Mortgages | No, however you must notify us if the tenancy agreement does not comply with the terms in our ‘Solicitors Instructions’ letter and the terms and conditions of the mortgage offer. Copies should be retained within your file for review. |
| Clydesdale Bank plc | Yes |
| Co-operative Bank plc | No. |
| Coutts | Yes, a certified copy of the counterpart after completion. |
| Coutts Finance Co | Yes, a certified copy of the counterpart after completion. |
| Coventry Building Society | No |
| Cynergy Bank | Yes. |
| Danske Bank | We do not currently provide buy-to-let mortgages in England & Wales. |
| Darlington Building Society | Yes, certified after completion |
| DB UK Bank Ltd | Yes |
| Dudley Building Society | No. |
| Ecology Building Society | Yes |
| Family Building Soc (a trading name of National Counties BS) | No, this should be retained by the borrower. Please also keep a copy on your file. |
| First Direct | We do not lend on property that is let or is to be let at completion |
| Fleet Mortgages | No. We may, however, ask you for copies of the documents if we require them. |
| Foundation Home Loans |
No, but a copy should be retained on your file. |
| Furness Building Society |
Yes, with the title deeds, unless the offer of mortgage makes no reference to tenancies or leases, in which case copies are required prior to completion. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Generation Home | No. |
| Godiva Mortgages Ltd | No |
| Habito | No |
| Halifax |
No, please forward to the borrower. |
| Halifax Loans Ltd |
No, please forward to the borrower |
| Hampden & Co. plc | Please retain with the title deeds. |
| Handelsbanken | Yes, following completion. |
| Harpenden Building Society |
Yes, after completion |
| Hinckley and Rugby Building Society | Yes, after completion, unless Offer Condition provides otherwise. |
| Hodge | No, but please retain a copy on your file |
| Hodge Equity Release | We do not consent to lettings |
| Holmesdale Building Society | Yes. |
| HSBC UK Bank plc | No |
| Intelligent Finance |
No, please forward to the borrower. |
| Investec Bank plc | No, but you should retain a copy in the file of original deal documents that you hold for the Bank. |
| ITL Mortgages | No. |
| JPMorgan Chase Bank, N.A. | Yes. |
| Kensington Mortgage Company Ltd | Yes. A copy is acceptable. To be forwarded to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU following completion. |
| Kent Reliance (a trading name of OneSavings Bank plc) | No but only Assured Shorthold Tenancy Agreements are acceptable. |
| Keystone Property Finance | No, you have already approved the document on our behalf and should retain a certified copy on your file |
| Landbay Partners Limited | Yes. If there is one in existence. |
| Landmark Mortgages Limited | Yes, Counterpart after completion with the Title Deeds. |
| Leeds Building Society | No, but please retain a copy on your file. |
| Legal & General Home Finance Ltd | No. |
| LendInvest | No. We may, however, ask you for copies of the documents if we require them. |
| LiveMore Capital | N/A |
| Lloyds Bank plc pre fixed 20/40 | No. |
| Lloyds Bank plc pre fixed 50/30/77 | No |
| Lloyds TSB Scotland plc | No |
| M&S Bank | No |
| Magellan Homeloans | No - to be held on file with the title deeds and documents after completion unless otherwise stated in the offer. |
| Manchester Building Society | No. |
| Market Harborough Building Society | Yes |
| Masthaven Bank | No. |
| Metro Bank plc | No - to be held on file with the title deeds and documents after completion unless otherwise stated in the offer. |
| ModaMortgages |
No. |
| Molo Finance | No, please retain a copy on your file. |
| Monmouthshire Building Society | No, please pass to the borrowers for safe keeping |
| Mortgage Agency Services | Yes |
| Mortgage Express | No |
| Mortgage Express No 2 | |
| MPowered Mortgages | No, you have already approved the document on our behalf and should retain a certified copy on your file. |
| National Counties Building Society | No, this should be retained by the borrower. Please also keep a copy on your file. |
| National Westminster Bank plc | No |
| Nationwide Building Society | No |
| Nedbank Private Wealth Ltd | Yes. |
| New Street Mortgages |
No, as our representative you should satisfy yourself that the following is fulfilled: Only lettings on a single Assured Shorthold Tenancy agreement (AST) per house or flat for no more than 12 months with a 6 month break clause for any over 6 months in duration are acceptable. Multiple lets, bedsits, tenants of local authorities/DSS/housing associations/Corporate are not acceptable. The maximum rental figure acceptable is £100,000 per annum. Properties cannot be let to family members |
| NRAM Ltd | Yes, counterpart after completion with the title deeds. |
| Paragon Buy to Let Mortgages |
Yes - please place with deeds. |
| Paragon Residential Owner-Occupied Mortgages | N\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\A. |
| Paratus AMC Ltd |
No. |
| Parity Trust | Yes |
| Pepper Money | Yes, please send to Pepper Money, Servicing Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ |
| Pepper Money (PUK) | Yes, please send to Pepper Money, Servicing Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ |
| Perenna | No |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Yes. |
| Precise Mortgages (Charter Court Financial Services Ltd) | No. |
| Principality Building Society |
No, please pass to the borrowers for safe keeping |
| Reliance Bank Ltd | No |
| Rooftop Mortgages Ltd | Yes. |
| Saffron Building Society | No |
| Sainsbury's Bank | No, but please retain a copy for your file and ensure that the terms of the tenancy agreement comply with our terms and conditions. We may request a copy of the agreement, if we require it |
| Santander UK plc | No, unless your individual instructions on a particular case require this. |
| Scottish Building Society | No. |
| Scottish Widows Bank | Yes. |
| Secure Trust Bank PLC | No. |
| Skipton Building Society | No. |
| St James Place Bank |
No, please forward to the borrower. |
| State Bank of India UK | No. |
| Swansea Building Society | Yes |
| The Mortgage Business |
No, please forward to the borrower |
| The Mortgage Lender Limited |
No, however where the mortgage is for Buy to Let purposes you must ensure that any existing or proposed tenancies meet the requirements outlined in our Acceptable Tenancies Document. We do not consent to letting on residential (owner occupied) mortgages. |
| The Mortgage Works |
No,not required for properties let under a standard Assured Shorthold Tenancy within the meaning of section 20 of the Housing Act 1988 as amended by the Housing Act 1996 and subject to a maximum tenancy term of up to 36 months. If the AST is of 13-36 months duration please notify TMW accordingly but there is no requirement to send in the tenancy agreement. Where the tenancy is not in the standard form(non AST) and let to a Local Authority,Housing Association, Government Department, NHS, Corporate Company or University we will require a copy of the agreement to be sent to us to verify the suitability of the tenant. In such cases you must confirm that the tenancy agreement meets the following requirements: 1)the tenant must be letting the property to a current employee of its organisation (if NHS, Government Department or Corporate Company) or 2)the tenant must use the property to provide accommodation for homeless persons under the Housing Act 1996 or similar legislation (if Local Authority or Housing Association) or 3)the tenant must use the property to provide accommodation to students (if a University) 4)the tenant must not use the property for business or create any business tenancy. 5)there must be no security of tenure afforded to the occupier or tenant. 6)the agreement recognises the existence of a mortgage and the potential for the mortgagee`s right to repossess. 7)the tenancy is no more than 3 years in duration. 8)the agreement must contain no other provisions which adversely affect the lender`s security or its right to enforce its remedies under the mortgage deed executed by the borrower. Tenancy agreements or tenants that do not meet the above requirements are not acceptable and TMW must be informed immediately. |
| The Royal Bank of Scotland plc | No. |
| The Royal Bank of Scotland plc Direct Line Mortgages | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Direct Line One | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc First Active | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Natwest one Account | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc One Account | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Virgin One | Yes, a certified copy to be sent after completion. |
| The Tipton & Coseley Building Society | No. |
| Together Personal Finance Limited | Yes, certified copy will suffice. |
| Topaz Finance Ltd | Yes. |
| TSB Bank plc | No |
| Ulster Bank | No. |
| Vida Homeloans | No |
| Virgin Money | No. |
| Whistletree (a trading name of TSB Bank plc) | Yes, Counterpart after completion with the Title Deeds |
| Yorkshire Bank Home Loans Ltd | Yes |
| Yorkshire Building Society | No. |
| Zephyr Homeloans | No |