Answers for England and Wales

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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.
Gen H 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.