Answers for England and Wales

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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 rectifed 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.
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.
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.
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.
CHL Mortgages As per 1.11.
Clydesdale Bank plc Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
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
Jubilee House
Gosforth
Newcastle upon Tyne
NE3 4PL

or DX 60350 Gosforth

Solicitors Helpline: 0845 604 4858

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 Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
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.
Zephyr Homeloans As per 1.11