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Question: 6.7.4. Will the lender proceed if the property does not have the benefit of a new home warranty scheme?

Lender Answer
Accord Buy to Let Yes, if the building work has been monitored by a professional consultant and provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.
Accord Mortgages Ltd Yes, if the building work has been monitored by a professional consultant and provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.
Adam & Company Refer to us in writing. See 1.11
Adam & Company International Refer to us in writing. See 1.11
Ahli United Bank (UK) plc Yes, provided it has been built under the supervision of a qualified architect or surveyor with adequate professional indemnity insurance and you have received documentary evidence to evidence this together with building regulation sign off.
Aldermore Bank PLC Yes, provided there are no more than 15 properties in the development and the building work has been monitored by a professional consultant, providing a certificate that meets the requirements of 6.7.4 and 6.7.5.

We do not have our own form of certificate.
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 No
Atom Bank plc Where the property does not have the benefit of a New Home Warranty scheme or suitable alternative as listed in 6.7.1 and has been built in the last 10 years then we will not proceed.
However, for Converted Properties we will proceed providing confirmation is received that the property is subject to full building regulations, planning permissions and completion certificate.

CARE for Conversions where FULL STRUCTURAL alterations have occurred then a New Home Warranty scheme should be in place as detailed in Section 2 6.7.1

Where clarification is required, please refer to Mortgage Completions Team, as per 1.11.
Aviva Equity Release UK Ltd Yes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance of at least £1 million and the professional consultant has provided the Professional Consultant’s Certificate in the format set by the CML. A retrospective Professional Consultant's Certificate will not be accepted.
Bank of China No.
Bank of Ireland (UK) plc Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.7.4 & 6.7.5 and in the form of Appendix 1) is provided as an alternative.
Bank of Ireland as Bank of Ireland Mortgages Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.7.4 & 6.7.5 and in the form of Appendix 1) is provided as an alternative.
Bank of Scotland Beginning A Yes, provided there are no more than 15 properties in any one development site and construction is monitored by a suitably qualified professional consultant.

We only require this where the property is to be occupied for the first time.
Bank of Scotland Beginning O Yes, provided there are not more than 15 properties in any one development site and the construction is being monitored by a suitably qualified professional.

We only require this where the property is to be occupied for the first time.
Bank of Scotland Private Banking  
Barclays Bank UK PLC Yes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance and the professional consultant has provided the Professional Consultant’s Certificate (PCC) in the format set by UKF, however, please note:

• Where a PCC is being provided this must not have been issued retrospectively or issued by a warranty provider that is not on the approved list in section 6.7.1 , and
• We will only accept a PCC for developments of no more than 5 houses and we will not accept a PCC for flats.

A PCC must not be changed from the UKF standard template – this must be checked closely
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes, if the building work has been monitored by a professional consultant and provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.
Better HomeOwnership (Mortgages) No. There must be a new warranty scheme in place/agreed with one of the providers listed in 6.7.1.
Birmingham Bank No
Birmingham Midshires Yes, provided there are no more than 15 properties on any one development site and construction has been monitored by a professional consultant.

We only require this where the new property is to be occupied for the first time.
Bluestone Mortgages No.
Bradford & Bingley Limited Yes, provided a Professional Consultant's certificate has been completed
Britannia, a trading name of The Co-operative Bank plc The matter should be referred to Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX 16351 Leek, who will consider each case on an individual basis.
Buckinghamshire Building Society No
Chelsea Building Society (a trading name of Yorkshire BS) Yes, if the building work has been monitored by a professional consultant, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.
CHL Mortgages Yes, but only if it has the benefit of a suitable professional consultant’s certificate
Clydesdale Bank plc Yes, if the if the following criteria are met:
• the property is a one-off house or a flat in a converted house, we won’t lend if the property is part of a new build estate or a new build block of flats; and
• a Professional Consultant’s Certificate must be available upon completion. That certificate must meet the requirements set out alongside this Handbook on the UK Finance’s website.

The supervision and the inspections required by the Professional Consultant Certificate must not be done retrospectively. We will not accept a Professional Consultant Certificate issued by a new home warranty provider unless that new home warranty provider is on our approve list contained in section 6.7.1 of this Handbook.
Co-operative Bank plc Please refer to us as per the contact details referred to in 1.11a earlier.
Coutts Refer to us in writing. See 1.11
Coutts Finance Co Refer to us in writing quoting our reference. See 1.11
Coventry Building Society Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old).
Cynergy Bank Refer to Mortgage Fulfilment Team as per 1.11.b
Danske Bank Yes, where the property is situated in a new development of up to six units, the Bank will accept a valid Professional Consultants Certificate in place of a warranty. The Certificate must follow the format provided for in the appendix to this Handbook and indemnity cover should be verified by the solicitor as specified.
Darlington Building Society No (see 6.7.6 below) unless the development has been monitored by a Professional Consultant with acceptable level of professional indemnity insurance and has suitable qualifications. Please refer to Customer Support - Principal Office.
DB UK Bank Ltd Yes, subject to the professional consultant meeting the requirements detailed
Dudley Building Society Yes, if an appropriate Professional Consultants certificate is available.
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) Yes, subject to compliance with the requirements of para 6.7.4 of Part 1 of the UK Finance Mortgage Lenders' Handbook.
First Direct Yes if an appropriate Professional Consultant's Certificate (PCC) is available (complying with the requirements set out in parts 6.7.4 & 6.7.5 and in the form of Appendix 1) and the conditions below are met.

A PCC is only acceptable for newly built homes within:
a) A development of no more than 10 properties.
b) If the property is a flat or maisonette, a PCC must be available for the common parts and the structure of the building if these are part of the new build/conversion works.

Please note:
• Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable.
• The Professional Consultant’s Certificate (PCC) must be in the format set by UKF with no changes from the standard template.
If the PCC is issued by a Warranty provider they must be on the approved list of new home warranty schemes in section 6.7.1
Fleet Mortgages Yes, but the building work must be monitored or (if completed) have been monitored during construction by a professional consultant holding a qualification listed in section 6.7.4. The professional consultant must have provided the Professional Consultant’s Certificate in the format set out by UK Finance and our conveyancer must check it is compliant with 6.7.4 and 6.7.5. A retrospective Professional Consultant's Certificate will not be accepted.

Where the Property comprises a flat within a building, the Professional Consultants Certificate must also be available for all common parts (including the structure) of any building prior to completion of the loan.
Foundation Home Loans Yes, but the building work must be monitored or (if completed) have been monitored during construction by a professional consultant holding a qualification listed in section 6.7.4. The professional consultant must have provided the Professional Consultant’s Certificate in the format set out by UK Finance and it must be compliant with 6.7.4 and 6.7.5.

A retrospective Professional Consultant's Certificate is not acceptable.

Where the Property comprises a flat within a building, the Professional Consultants Certificate must also cover all common parts (including the structure) of the building and must be available prior to completion of the loan.
Furness Building Society No
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Gen H If the new build property does not have the benefit of a new home warranty from a provider listed at 6.7.1 or an acceptable Professional Consultant's Certificate, it is unlikely we will lend. However please report the full circumstances to us through Secure Link which is accessed via the LMS Conveyancer Zone so we may confirm our instructions.
Godiva Mortgages Ltd Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old).
Habito Yes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance and the professional consultant has provided the Professional Consultant’s Certificate in the format set by UK Finance.
Halifax Yes, provided there are no more than 15 properties on any one development site and construction has been monitored by a professional consultant.

We only require this where the new property is to be occupied for the first time.
Halifax Loans Ltd Yes, provided there are no more than 15 properties in one development site and that construction has been monitored by a professional consultant.
Hampden & Co. plc Refer to us in writing. See 1.11.
Handelsbanken Yes, but the building work must be monitored or (if completed) have been monitored by a professional consultant who holds one or more of the qualifications listed under Part 1, with the exception of fellow or member of the Architecture and Surveying Institute (FASI or MASI) or AssocRICS, and the professional consultant has provided the Professional Consultant’s Certificate in the CML form (the date of issue must be confirmed before exchange of contracts).

An Architects certificate is available along with confirmation that the certificate is for the benefit of the borrower; building regulation sign off is obtained; and Professional indemnity insurance is obtained.

Where the Property comprises a flat within a building, the Professional Consultants Certificate must also be available for all common parts (including the structure) of any building prior to the completion of the loan.
Harpenden Building Society Refer to Completions@harpendenbs.co.uk
Harpenden Building Society
Mardall House
9-11 Vaughan Road
Harpenden, Herts
AL5 4HU
Hinckley and Rugby Building Society Refer to Principal Office, Mortgage Department, Advances Section.
Hodge Yes - providing certain criteria is satisfied – please review the requirements below.

You must check and confirm the following points to us in writing and await our written confirmation that you may proceed with the case:

1. That the professional consultant has the appropriate experience referred to in 6.7.4 above (Part 1) and,
2. That the professional consultant has one or more of the qualifications referred to in 6.7.4 above (Part 1) and,
3. That the level of indemnity insurance in place is appropriate as detailed in 6.7.5.

You must NOT submit your COT until we have been provided with all the information requested in points 1 -3 above and confirmed to you in writing that the case may proceed despite the absence of a new home warranty.
Hodge Equity Release Yes - providing certain criteria is satisfied – please review the requirements below.

You must check and confirm the following points to us in writing and await our written confirmation that you may proceed with the case:

1. That the professional consultant has the appropriate experience referred to in 6.7.4 above (Part 1) and,
2. That the professional consultant has one or more of the qualifications referred to in 6.7.4 above (Part 1) and,
3. That the level of indemnity insurance in place is appropriate as detailed in 6.7.5.

You must NOT submit your COT until we have been provided with all the information requested in points 1 -3 above and confirmed to you in writing that the case may proceed despite the absence of a new home warranty.
Holmesdale Building Society yes when architect supervised and supported by architect certificates.
HSBC UK Bank plc Yes if an appropriate Professional Consultant's Certificate (PCC) is available (complying with the requirements set out in parts 6.7.4 & 6.7.5 and in the form of Appendix 1) and the conditions below are met.

A PCC is only acceptable for newly built homes within:
a) A development of no more than 10 properties.
b) If the property is a flat or maisonette, a PCC must be available for the common parts and the structure of the building if these are part of the new build/conversion works.

Please note:
• Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable.
• The Professional Consultant’s Certificate (PCC) must be in the format set by UKF with no changes from the standard template.
If the PCC is issued by a Warranty provider they must be on the approved list of new home warranty schemes in section 6.7.1
Intelligent Finance Yes, provided there are no more than 15 properties on any one development site and construction has been monitored by a professional consultant.

We only require this where the property is to be occupied for the first time.

Please note we do not require monitoring by a professional consultant for newly converted properties.
Investec Bank plc Only in certain circumstances. Please refer individual cases. See 1.11
ITL Mortgages Yes if an appropriate Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old).
JPMorgan Chase Bank, N.A. Refer to office issuing Mortgage Instructions.
Kensington Mortgage Company Ltd Yes, only if the building work has the benefit of a Professional Consultant's Certificate. The building work must have been monitored by a qualified architect and/ or surveyor ("relevant professional") with adequate professional indemnity insurance and the requirements specified in 6.7.4, 6.7.5 and 6.7.6 of Part 1 of the UK Finance Handbook must be met. We will require the Professional Consultant's certificate which appears at Appendix 1 of the UK Finance Handbook together to be completed and signed by the Relevant Professional prior to Completion.
Kent Reliance (a trading name of OneSavings Bank plc) Yes subject to receipt of a satisfactory Professional Consultant's Certificate with proof of Professional Indemnity Insurance.

The Bank will not accept a retrospective Professional Consultants Certificate. However should there be a particular point to draw to the Bank’s attention you are advised to email completions@krbs.com for further consideration.
Keystone Property Finance May be considered provided that a professional consultant's certificate is available, and a copy has been sent to us prior to exchange of contracts in the case of a purchase or before completion in the case of a remortgage
Landbay Partners Limited Yes, but only if the building work is being (or was) monitored by a professional consultant and you have obtained evidence that the professional consultant has suitable current professional indemnity insurance cover.
Landmark Mortgages Limited Yes, but you must be satisfied that the work is being monitored/supervised by a professional consultant and completion of an appropriate Professional Consultant's Certificate.
Leeds Building Society Yes, we will proceed whereby:

• A Professional Consultants Certificate is available and such certificate meets the requirements of 6.7.1 above and the appendix to the Handbook;
• An Architects certificate is available along with confirmation that the certificate is for the benefit of the borrower;
• Building Regulations sign off has been obtained; and
• Professional Indemnity Insurance is obtained.
Legal & General Home Finance Ltd No.
LendInvest No
LiveMore Capital Yes providing the property was built under the supervision of a person with one of the following qualifications listed in Section 6.7.4 and provided they have suitable PI cover in force.
Lloyds Bank plc pre fixed 20/40 Please refer to Mortgage Processing. Please see 1.11.
Lloyds Bank plc pre fixed 50/30/77 Please refer to Mortgage Processing. Please see 1.11a
Lloyds TSB Scotland plc Please refer to Mortgage Processing. Please see 1.11a
M&S Bank Where the property does not have the benefit of a New Home Warranty scheme and has been built in the last 10 years then NO we will not proceed.

However, for converted properties we will proceed providing confirmation is received that the property is subject to full building regulations, planning permissions and completion certificate.
Magellan Homeloans If the property was built in the last 10 years a new home warranty will be required.
Manchester Building Society Refer to Underwriting Department.
Market Harborough Building Society No
Masthaven Bank Only if the building work has been monitored by a professional consultant and provided any certificate given by the professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook.
Metro Bank plc No
ModaMortgages For properties aged less than 10 years a new home warranty will be required. See section 6.7.1 for further details on acceptable warranties.
Molo Finance Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.7.4 & 6.7.5 and in the form of Appendix 1) is provided as an alternative
Monmouthshire Building Society Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML Form.
Mortgage Agency Services Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage Express Yes, provided a Professional Consultant's certificate is completed
Mortgage Express No 2  
MPowered Mortgages Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 6 years old).
National Counties Building Society Yes, subject to compliance with the requirements of para 6.7.4 of Part 1 of the UK Finance Mortgage Lenders' Handbook.
National Westminster Bank plc Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the UK Finance Handbook form. In addition, you must confirm the Certificate was issued prior to exchange of contracts.
Nationwide Building Society Yes if an appropriate Professional Consultant's Certificate (PCC) is available. A PCC is only acceptable for newly built homes within:
a) A development of no more than 10 units
b) A continuous structure (for example, a row of terrace houses or block of flats) of no more than 4 units within the structure.

Please note a PCC is also required for newly converted or recently significantly altered or refurbished homes.

Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable.

A PCC is not required if the property, conversion or significant alteration/refurbishment is over 5 years old.
Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages Yes, only if the building work has the benefit of a Professional Consultant's Certificate. The building work must have been monitored by a qualified architect and/ or surveyor ("relevant professional") with adequate professional indemnity insurance and the requirements specified in 6.7.4, 6.7.5 and 6.7.6 of Part 1 of the CML Handbook must be met. We will require the Professional Consultant's certificate which appears at Appendix 1 of the CML Handbook together to be completed and signed by the Relevant Professional prior to Completion.
NRAM Ltd Yes, but you must be satisfied that the work is being monitored/supervised by a professional consultant and completion of an appropriate Professional Consultant's certificate.
Paragon Buy to Let Mortgages Yes. Where the Property comprises a flat within a building, the Professional Consultants Certificate must also be available for all common parts (including the structure) of any building prior to completion of the loan.
Paragon Residential Owner-Occupied Mortgages Yes. Where the Property comprises a flat within a building, the Professional Consultants Certificate must also be available for all common parts (including the structure) of any building prior to completion of the loan.
Paratus AMC Ltd Yes, but the building work must be monitored or (if completed) have been monitored during construction by a professional consultant holding a qualification listed in section 6.7.4. The professional consultant must have provided the Professional Consultant’s Certificate in the format set out by UK Finance and it must be compliant with 6.7.4 and 6.7.5.

A retrospective Professional Consultant's Certificate is not acceptable.

Where the Property comprises a flat within a building, the Professional Consultants Certificate must also cover all common parts (including the structure) of the building and must be available prior to completion of the loan.
Parity Trust Refer to 1.7
Pepper Money No
Pepper Money (PUK) No
Perenna In the event this is identified the application cannot proceed.
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) Only if there is a Professional Consultants Certificate. The issuing architect should have minimum professional indemnity insurance equivalent to the greater of £500,000 or the property value. The qualifications required are set out in 6.7.4 Part 1. We will not accept a retrospective Professional Consultants Certificate. However should there be a particular point to draw to our attention you should contact us (see 1.11a).
Principality Building Society Yes - providing certain criteria is satisfied – please review the requirements below.

You must check and confirm the following points to us in writing and await our written confirmation that you may proceed with the case:

1. That the building work has been monitored by a professional consultant and,
2. That the professional consultant has the appropriate experience referred to in 6.7.4 above (Part 1) and,
3. That the professional consultant has one or more of the qualifications referred to in 6.7.4 above (Part 1) and,
4. That the level of indemnity insurance in place is appropriate as detailed in 6.7.5 and;
5. That the professional consultant has completed and submitted to you the Professional Consultant's Certificate located in the appendix to this Handbook.


You must NOT submit your COT until we have been provided with all the information requested in points 1 -5 above and confirmed to you in writing that the case may proceed despite the absence of a new home warranty.
Reliance Bank Ltd No
Rooftop Mortgages Ltd Yes providing the consultant's professional indemnity has been verified.
Saffron Building Society Yes, where the building work has been monitored by a professional consultant, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. A Professional Consultants Certificate must provide cover for 6-years from completion of the build.

We do not have our own form of certificate
Sainsbury's Bank Yes, if the property has been built/converted within the last 6 years and has the benefit of a Professional Consultants Certificate which complies with the requirements of Section 6 of the Lenders Handbook. Certification to be accompanied by evidence of professional indemnity cover.
Santander UK plc We will only accept properties which have been supervised by professionals who hold one or more of the qualifications listed under Part 1, with the exception of fellow or member of the Architecture and Surveying Institute (FASI or MASI). Where the professional has not supervised construction from the start the PCC will not be acceptable.

The PCC must be in the format provided in the appendix to the UKF Handbook – no amendments to the wording of the template are acceptable.

PCCs are only acceptable for single properties or small developments of up to 10 units

Where our security comprises of a flat in a converted property of no more than 4 units, but the warranty cannot be provided, this is acceptable provided there are planning and building regulation approvals, a Completion Certificate is available and provided that all our other requirements stated in the Handbook can be met.
Scottish Building Society Yes.
Scottish Widows Bank We will proceed if the work is being monitored by a Professional Consultant.
Secure Trust Bank PLC Yes, if the building work has been monitored by a professional consultant, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook.

We do not have our own form of certificate.
Skipton Building Society Yes, provided there are no more than 15 residential units on the development site and that construction has been monitored by a professional consultant (limited to an Architects or Architectural Technologists Certificate)
St James Place Bank Yes, provided construction is supervised by a professional consultant.

We only require this where the property is to be occupied for the first time.
State Bank of India UK Yes. The building work must have been monitored and supervised by a professional consultant. The consultant must provide a Professional Consultants Certificate, and hold one of the qualifications detailed in 6.7.4. The consultant must have an appropriate level of Professional Indemnity Insurance in place.
Swansea Building Society Yes if monitored and certified by a qualified and indemnified professional consultant.
The Mortgage Business Yes, provided there are no more then 15 properties on any one development site and construction has been monitored by a professional consultant.
We only require this where the property is to be occupied for the first time.
The Mortgage Lender Limited Yes, provided that a professional consultant’s certificate is available and a copy has been sent to us prior to the exchange of contracts in the case of a purchase or before completion in the case of a remortgage.
The Mortgage Works Yes if an appropriate Professional Consultant's Certificate (PCC) is available. A PCC is only acceptable for newly built homes within
a) A development of no more than 10 units
b) A continuous structure (for example, a row of terrace houses or block of flats) of no more than 4 units within the structure.

Please note a PCC is also required for newly converted or recently significantly altered or refurbished homes.

Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable.

A PCC is not required if the property, conversion or significant alteration/refurbishment is over 5 years old.

The Royal Bank of Scotland plc Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the UK Finance Handbook form. In addition, you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc Direct Line Mortgages Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the UK Finance Handbook form. In addition, you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc Direct Line One Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc First Active Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the UK Finance Handbook form. In addition, you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc Natwest one Account Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the UK Finance Handbook form. In addition, you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc One Account Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the UK Finance Handbook form. In addition, you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc Virgin One Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the UK Finance Handbook form. In addition, you must confirm the Certificate was issued prior to exchange of contracts.
The Tipton & Coseley Building Society No.
Together Personal Finance Limited No.
Topaz Finance Ltd Please refer to HML Address and telephone number on Offer of Advance.
TSB Bank plc A Professional consultant’s certificate or acceptable warranty is required.
Ulster Bank Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form.
Vida Homeloans No
Virgin Money Yes, if the if the following criteria are met:
• the property is a one-off house or a flat in a converted house, we won’t lend if the property is part of a new build estate or a new build block of flats; and
• a Professional Consultant’s Certificate must be available upon completion. That certificate must meet the requirements set out alongside this Handbook on the UK Finance’s website.
The supervision and the inspections required by the Professional Consultant Certificate must not be done retrospectively. We will not accept a Professional Consultant Certificate issued by a new home warranty provider unless that new home warranty provider is on our approve list contained in section 6.7.1 [6.6.1] of this Handbook.
Whistletree (a trading name of TSB Bank plc) Yes providing the build is being monitored by a professional consultant. If the development contains more than 15 units a new home warranty must be avaiable as referenced in 6.7.1
Yorkshire Bank Home Loans Ltd Yes, if the if the following criteria are met:
• the property is a one-off house or a flat in a converted house, we won’t lend if the property is part of a new build estate or a new build block of flats; and
• a Professional Consultant’s Certificate must be available upon completion. That certificate must meet the requirements set out alongside this Handbook on the UK Finance’s website.

The supervision and the inspections required by the Professional Consultant Certificate must not be done retrospectively. We will not accept a Professional Consultant Certificate issued by a new home warranty provider unless that new home warranty provider is on our approve list contained in section 6.7.1 of this Handbook.
Yorkshire Building Society Yes, if the building work has been monitored by a professional consultant and provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.
Zephyr Homeloans No. Please contact us for instructions on how to proceed