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Question: 6.9.1. If different from 1.11, contact point if necessary easements are absent:
| Lender | Answer |
|---|---|
| Accord Buy to Let |
As 1.11a. If the defect in title cannot be rectified by appropriate documentation we will require indemnity insurance to be in place at completion. You must retain a copy of any insurance policy on your file. We do not lend on charges of part. If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. |
| Accord Mortgages Ltd |
As 1.11a. If the defect in title cannot be rectified by appropriate documentation we will require indemnity insurance to be in place at completion. You must retain a copy of any insurance policy on your file. We do not lend on charges of part. If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. |
| Adam & Company |
Refer to us in writing quoting our reference. See 1.11 |
| Adam & Company International |
Refer to us in writing quoting our reference. See 1.11 |
| Ahli United Bank (UK) plc | Central Administration Unit |
| Aldermore Bank PLC | As 1.11 If the defect in title cannot be rectified by appropriate documentation we will require indemnity insurance to be in place at completion. You must retain a copy of any insurance policy on your file. |
| 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 | As per 1.11 |
| Atom Bank plc | As per 1.11 |
| Aviva Equity Release UK Ltd | See 1.11 |
| 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. If the defect in title cannot be rectified by appropriate documentation we will require indemnity insurance to be in place at completion. You must retain a copy of any insurance policy on your file. We do not lend on charges of part. If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. |
| 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. If the defect in title cannot be rectified by appropriate documentation we will require indemnity insurance to be in place at completion. You must retain a copy of any insurance policy on your file. We do not lend on charges of part. If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. |
| CHL Mortgages | As per 1.11. |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 We do not lend on charges of part. If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. |
| Co-operative Bank plc |
See 1.11a earlier. |
| Coutts | Refer to us in writing quoting our reference. 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 | As at 1.11a |
| 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 |
See 1.11.a You must also check that the servient and dominant tenements have not at any point come into common ownership so as to extinguish the easement regardless of whether the easement is still noted against the registered title. |
| Furness Building Society | As 1.11a |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H | As 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 |
Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG |
| Hampden & Co. plc | Refer to us in writing quoting reference. 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 | As per 1.11a |
| 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) | Providing suitable indemnity insurance is in place on completion there is no requirement to advise us. Provide policy details with the Certificate of Title (see 9 below). |
| Keystone Property Finance |
As 1.11a You must also check that the servient and dominant tenements have not at any point come into common ownership so as to extinguish the easement regardless of whether the easement is still noted against the registered title |
| Landbay Partners Limited |
See See 1.11a. The solicitor must ensure that the property enjoys full rights (both pedestrian and vehicular) over any access (private or otherwise) leading to the property and any areas connected with its enjoyment (for example, but not limited to, car parking areas, separate garage, garden areas). The solicitor must also ensure there are adequate covenants and arrangements in respect of the repair and maintenance of any access or services to the property and report if any such maintenance liabilities are in excess of £250 per annum in addition to any annual service charge there may be. |
| 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 | As 1.11a |
| 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 |
| Molo Finance |
The solicitor must ensure that the Property enjoys full rights (both pedestrian and vehicular) over any access (private or otherwise) leading to the Property and any areas connected with its enjoyment (for example, but not limited to, car parking areas, separate garage, garden areas). The solicitor must also ensure there are adequate covenants and arrangements in respect of the repair and maintenance of any access or services to the Property and report if any such maintenance liabilities are in excess of £250 per annum in addition to any annual service charge there may be. |
| Monmouthshire Building Society | If the defect in title cannot be rectified by appropriate documentation we will require a suitable indemnity insurance policy to be in place at completion. The conditions in paragraph 9 must also be satisfied. You must record the policy details on the Certificate of Title and retain a copy of the Policy on your file. |
| Mortgage Agency Services |
Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY |
| Mortgage Express | As 1.11a |
| Mortgage Express No 2 | |
| MPowered Mortgages | 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 |
You should only report issues to us if you are unable to put a suitable indemnity policy in place and/or cannot send us a clear Certificate of Title. |
| 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 |
The solicitor must ensure that the Property enjoys full rights (both pedestrian and vehicular) over any access (private or otherwise) leading to the Property and any areas connected with its enjoyment (for example, but not limited to, car parking areas, separate garage, garden areas). The solicitor must also ensure there are adequate covenants and arrangements in respect of the repair and maintenance of any access or services to the Property and report if any such maintenance liabilities are in excess of £250 per annum in addition to any annual service charge there may be.. |
| Paragon Residential Owner-Occupied Mortgages | As 1.11a. |
| Paratus AMC Ltd |
New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA email: FHL@foundationhomeloans.co.uk Tel: 0344 770 8033. You must also check that the servient and dominant tenements have not at any point come into common ownership so as to extinguish the easement regardless of whether the easement is still noted against the registered title. |
| 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 |
If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. 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) |
Providing suitable indemnity insurance is in place on completion there is no requirement to advise us. Provide policy details with the Certificate of Title (see 9 below). |
| Principality Building Society |
Mortgage New Business PO Box 89 Queen Street CARDIFF CF10 1UA 0330 333 4021 If the defect in title cannot be rectified by appropriate documentation we will require a suitable indemnity insurance policy to be in place at completion. The conditions in paragraph 9 must also be satisfied. You must record the policy details on the Certificate of Title and retain a copy of the Policy on your file. |
| 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@saffronbs.co.uk Fax 01799 581901 Saffron Building Society, Saffron House, 1A. Market Street, Saffron Walden, Essex. CB10 1HX |
| 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 |
Completions Team via LMS Secure Link In particular, we require an unrestricted legal right of way on foot and with vehicles from the nearest public road or highway to any necessary point of access to the property or any garage, garden or outbuildings. |
| 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. If the defect in title cannot be rectified by appropriate documentation we will require indemnity insurance to be in place at completion. You must place a copy of any insurance policy with the Title Deeds. |
| 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 |
| The Mortgage Works |
Issuing Office. |
| The Royal Bank of Scotland plc |
You should only report issues to us if you are unable to put a suitable indemnity policy in place and/or cannot send us a clear Certificate of Title. |
| The Royal Bank of Scotland plc Direct Line Mortgages | You should only report issues to us if you are unable to put a suitable indemnity policy in place and/or cannot send us a clear Certificate of Title. |
| The Royal Bank of Scotland plc Direct Line One | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc First Active |
You should only report issues to us if you are unable to put a suitable indemnity policy in place and/or cannot send us a clear Certificate of Title. |
| The Royal Bank of Scotland plc Natwest one Account |
You should only report issues to us if you are unable to put a suitable indemnity policy in place and/or cannot send us a clear Certificate of Title. |
| The Royal Bank of Scotland plc One Account |
You should only report issues to us if you are unable to put a suitable indemnity policy in place and/or cannot send us a clear Certificate of Title. |
| The Royal Bank of Scotland plc Virgin One |
You should only report issues to us if you are unable to put a suitable indemnity policy in place and/or cannot send us a clear Certificate of Title. |
| The Tipton & Coseley Building Society | Mortgage Department. |
| Together Personal Finance Limited | N/A - Solicitors to arrange suitable indemnity insurance cover for the benefit of the Lender instead. |
| 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 |
Send details to: Mortgage Processing Operations Virgin Money Gosforth Newcastle upon Tyne NE3 4PL Solicitor Helpline: 0845 604 4858 Solicitor Email: postoffer@virginmoney.com If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. |
| 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 We do not lend on charges of part. If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. |
| Yorkshire Building Society |
As 1.11a. If the defect in title cannot be rectified by appropriate documentation we will require indemnity insurance to be in place at completion. You must retain a copy of any insurance policy on your file. We do not lend on charges of part. If the borrower owns adjoining land and access or services for the Property run over that adjoining land, we will need the adjoining land to be charged to us too. |
| Zephyr Homeloans | As per 1.11 |