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Question: 6.7.6. Does the lender need to be sent the professional consultant's certificate?
| Lender | Answer |
|---|---|
| Accord Buy to Let | No, but you must retain a copy on your file. |
| Accord Mortgages Ltd | No, but you must retain a copy on your file. |
| Adam & Company |
Yes, after completion. |
| Adam & Company International |
Yes, after completion. |
| Ahli United Bank (UK) plc | Yes |
| Aldermore Bank PLC | Yes, after completion. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Original not required, but solicitor to confirm receipt. |
| April Mortgages | No |
| Atom Bank plc | Yes. |
| Aviva Equity Release UK Ltd | Yes. |
| Bank of China | N/A |
| 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 |
| Bank of Scotland Beginning O | No |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | Practitioners must retain the lender's part of any such documentation on their file. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | No, but you must retain a copy on your file. |
| Birmingham Bank | Yes |
| Birmingham Midshires |
No. Please forward to the borrower. |
| Bluestone Mortgages | No, but please keep a copy with your file. |
| Bradford & Bingley Limited | No please pass the documentation to the borrower for safe keeping. |
| Britannia, a trading name of The Co-operative Bank plc | No |
| Buckinghamshire Building Society | Yes |
| Chelsea Building Society (a trading name of Yorkshire BS) | No, but you must retain a copy on your file. |
| CHL Mortgages | Post-completion please provide us with details of the firm/scheme providing the warranty/policy and any policy/scheme reference number quoting our mortgage case reference number to completions@chlmortgages.co.uk. In all instances these should be retained on your file for review. |
| Clydesdale Bank plc | Yes. |
| Co-operative Bank plc | No - borrower(s) to retain. |
| Coutts | Yes, after completion. |
| Coutts Finance Co | Yes, after completion. |
| Coventry Building Society | No |
| Cynergy Bank | Yes. |
| Danske Bank | Yes. |
| Darlington Building Society | Yes, prior to exchange of contracts; any variation from this refer to a Team Leader in the Customer Support Department, Principal Office |
| DB UK Bank Ltd | Please place this certificate with the Title Information Documents |
| Dudley Building Society | Yes |
| Ecology Building Society | Yes |
| Family Building Soc (a trading name of National Counties BS) | No, but the Consultant's Name and Qualifications must be stated on the Certificate of Title. The certificate should be retained by the borrower. Please also keep a copy on your file. |
| First Direct | A copy must be sent to the borrower and a copy must be retained with the title deeds. |
| Fleet Mortgages | No |
| Foundation Home Loans | Yes - a copy is required to be sent to us and you must retain a copy on your file. The borrower is to retain the original. |
| Furness Building Society |
Yes, with the title deeds. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Generation Home | If a Professional Consultant's Certificate (PCC) is being provided rather than a new home warranty scheme from an acceptable provider, please ensure that the PCC is in the standard UK Finance format and all requirements at 6.7.4 and 6.7.5 have been satisfied in full. Please supply a copy of the Professional Consultant's Certificate after completion as set out in 14.2.2. |
| Godiva Mortgages Ltd | No. |
| Habito | No |
| Halifax | No |
| Halifax Loans Ltd | No |
| Hampden & Co. plc | Please retain with the title deeds. |
| Handelsbanken | Yes, following completion. |
| Harpenden Building Society |
Certified Copy |
| Hinckley and Rugby Building Society | Yes. |
| Hodge | No, please pass to the borrowers for safe keeping and retain a copy for your file |
| Hodge Equity Release | No, please pass to the borrowers for safe keeping and retain a copy for your file |
| Holmesdale Building Society | Yes. |
| HSBC UK Bank plc | A copy must be sent to the borrower and a copy must be retained with the title deeds. |
| Intelligent Finance | No |
| Investec Bank plc | No but you should retain this in the file of original deal documents that you hold for the Bank. |
| ITL Mortgages | No |
| JPMorgan Chase Bank, N.A. | Yes, if accepted, placed with the deeds. |
| Kensington Mortgage Company Ltd | Yes, providing the consultants PI insurance is verified. 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 you should retain on your file. |
| Keystone Property Finance | Yes - this should be sent to the contact details in 1.11a |
| Landbay Partners Limited | Yes. This needs to be sent to us after completion. |
| Landmark Mortgages Limited |
Yes, after completion with the Title Deeds. |
| Leeds Building Society | No, but please retain a copy on your file. |
| Legal & General Home Finance Ltd | Yes, if we have confirmed we are happy to proceed on this basis. |
| LendInvest | No, but must keep copy on your file. |
| LiveMore Capital | Yes. Please send to the address shown in 1.11a, or as advised by the offer |
| 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 | We do not accept professional consultant certificates |
| Magellan Homeloans | No. This is to be placed with the documents for the customer(s) own retention. You must ensure that the customer(s) are made aware of the importance of retaining this document. |
| Manchester Building Society | No. |
| Market Harborough Building Society |
Yes |
| Masthaven Bank | No, but please keep a copy with your file. |
| Metro Bank plc | Not accepted by Metro Bank. The property must benefit from one of the new home warranty schemes outlined in 6.7.1. |
| ModaMortgages |
No. This is to be placed with the documents for the customer(s) own retention. You must ensure that the customer(s) are made aware of the importance of retaining this document. |
| Molo Finance | No, but must keep copy on your file. |
| Monmouthshire Building Society | No, please pass to the borrowers for safe keeping and retain a copy for your file |
| Mortgage Agency Services | Yes |
| Mortgage Express | No please pass the documentation to the borrower for safe keeping. |
| Mortgage Express No 2 | |
| MPowered Mortgages |
No, however, you must ensure it is not a retrospective PCC and be able to provide an unqualified Certificate of Title to that effect. |
| National Counties Building Society | Yes. |
| National Westminster Bank plc | No. |
| Nationwide Building Society |
Yes to Issuing Office |
| Nedbank Private Wealth Ltd | Yes. |
| New Street Mortgages |
Yes, a copy should be sent to New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW and the original forwarded to the borrower |
| NRAM Ltd | Yes, after completion with the Title deeds. |
| Paragon Buy to Let Mortgages | Yes |
| Paragon Residential Owner-Occupied Mortgages | Yes. |
| Paratus AMC Ltd | Yes - a copy is required to be sent to us and the borrower is to retain the original. |
| Parity Trust | Yes |
| Pepper Money | Yes, please send to Pepper Money, Completions Department via e-mail: lendingenquiries@pepper.money |
| Pepper Money (PUK) | Yes, please send to Pepper Money, Completions Department via e-mail: lendingenquiries@pepper.money |
| Perenna | No, however we require you to keep a copy with your mortgage file in all cases. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Yes, if accepted, placed with the deeds. |
| Precise Mortgages (Charter Court Financial Services Ltd) |
No. This is to be placed with the documents for the customer(s) own retention. You must ensure that the customer(s) are made aware of the importance of retaining this document. |
| Principality Building Society |
No, please pass to the borrowers for safe keeping and retain a copy for your file |
| Reliance Bank Ltd | No |
| Rooftop Mortgages Ltd | Yes. Please place with the title deeds. |
| Saffron Building Society |
Yes – submit with the Title Deed documentation post completion - certified copy, borrower to retain original |
| Sainsbury's Bank | No, these should be retained by the borrower. Please also keep a copy on your file. |
| Santander UK plc | No, unless your individual instructions on a particular case require this. |
| Scottish Building Society | Yes. |
| Scottish Widows Bank | No. |
| Secure Trust Bank PLC | Yes, after completion. |
| Skipton Building Society |
Pre-completion, you must provide a copy of the certificate to the Completions Team via LMS Secure Link before or with the Certificate of Title. Post-completion, see 14.2.2. |
| St James Place Bank | No. |
| State Bank of India UK | Yes ? please place with the Title Deeds. |
| Swansea Building Society | Yes |
| The Mortgage Business |
No |
| The Mortgage Lender Limited | Yes |
| The Mortgage Works | Yes |
| The Royal Bank of Scotland plc | No. |
| The Royal Bank of Scotland plc Direct Line Mortgages | Yes, after completion. |
| The Royal Bank of Scotland plc Direct Line One | Yes, after completion. |
| The Royal Bank of Scotland plc First Active |
If our letter of instruction to you is issued before 22 June 2009 - Yes, after completion If our letter of instruction to you is issued on or after 22 June 2009 - No. |
| The Royal Bank of Scotland plc Natwest one Account | No, however, required after completion for cases instructed prior to 5/12/2011. |
| The Royal Bank of Scotland plc One Account |
No, however, required after completion for cases instructed prior to 5/12/2011. |
| The Royal Bank of Scotland plc Virgin One |
No, however, required after completion for cases instructed prior to 5/12/2011. |
| The Tipton & Coseley Building Society | Yes. |
| Together Personal Finance Limited | Yes. |
| Topaz Finance Ltd | If this applies, no but please keep a copy on your file. |
| TSB Bank plc | No |
| Ulster Bank | Yes, after completion. |
| Vida Homeloans | N/A |
| Virgin Money | The documents we need post-completion are listed in our current Deeds Schedule. |
| Whistletree (a trading name of TSB Bank plc) | Yes, after completion with the Title Deeds |
| Yorkshire Bank Home Loans Ltd | Yes. |
| Yorkshire Building Society | No, but you must retain a copy on your file. |
| Zephyr Homeloans | If this applies, no but please keep a copy on your file. |