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Question: 16.4.2. Does the lender need to be sent a copy of the proposed tenancy?
| Lender | Answer |
|---|---|
| Accord Buy to Let | Not applicable as these instructions relate to a Buy to Let mortgage application. |
| Accord Mortgages Ltd | Yes |
| Adam & Company | Yes |
| Adam & Company International |
Yes |
| Ahli United Bank (UK) plc | Central Administration Unit |
| Aldermore Bank PLC | No, we will detail our requirements within our letting pack, which we will send to the borrower(s). |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Yes, except where the mortgage offer makes it clear the loan has been made on a buy to let basis and where the tenancy agreement complies with the requirements set out in the offer conditions. |
| April Mortgages | April does not grant consent to let. Please contact as per 1.11 |
| Atom Bank plc | No |
| Aviva Equity Release UK Ltd | No |
| Bank of China | No, you are to ensure it complies with our requirements. |
| Bank of Ireland (UK) plc | Yes, except in Buy to Let cases where the tenancy agreement complies with the requirements set out in the relevant offer condition. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes, except in Buy to Let cases where the tenancy agreement complies with the requirements set out in the relevant offer condition. |
| Bank of Scotland Beginning A |
No |
| Bank of Scotland Beginning O | No |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | No |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | Yes. |
| Better HomeOwnership (Mortgages) | Yes |
| Birmingham Bank | Yes |
| Birmingham Midshires |
Please check the terms of the mortgage offer to determine whether or not lettings are allowed. If the mortgage is a buy to let product, any letting must comply with the mortgage conditions. We do not need to see a copy of any proposed lease. |
| Bluestone Mortgages | Yes. |
| Bradford & Bingley Limited | No provided that it is a valid Assured Shorthold Tenancy. |
| Britannia, a trading name of The Co-operative Bank plc | Please see the requirements within our letting pack (application). |
| Buckinghamshire Building Society | Not unless specifically requested |
| Chelsea Building Society (a trading name of Yorkshire BS) | Yes. |
| CHL Mortgages | No. |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc | Please see the requirements within our lettings pack. |
| Coutts | Yes |
| Coutts Finance Co | Yes |
| Coventry Building Society | Yes |
| Cynergy Bank | Yes. |
| Danske Bank | Yes |
| Darlington Building Society | Yes |
| DB UK Bank Ltd | Yes |
| Dudley Building Society | Yes |
| Ecology Building Society | Yes |
| Family Building Soc (a trading name of National Counties BS) | Yes. |
| First Direct |
We do not lend on tenanted properties. If a tenancy is present please refer to us and see 1.11a for contact details |
| Fleet Mortgages | Not applicable. |
| Foundation Home Loans |
No. |
| Furness Building Society |
No. |
| GE Money Home Lending Ltd |
Yes. Where the property is let or is currently let, your conveyancer must confirm prior to completion that the proposed tenancy agreement is a common format Assured shorthold Tenancy agreement and there are no onerous clauses on GE Money Home Lending Limited within said agreement |
| Gen H | We do not normally consent to letting on residential mortgages but please make any applications as detailed in 14.2.1. |
| Godiva Mortgages Ltd | Yes |
| Habito | No, but we reserve the right to request this. |
| Halifax | No |
| Halifax Loans Ltd |
Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG |
| Hampden & Co. plc | Yes. |
| Handelsbanken | Please check the terms of the mortgage offer to determine whether or not lettings are allowed. If the mortgage is a buy to let product, any letting must be on a valid Assured Shorthold Tenancy. We do not need to see a copy of any proposed lease if it is a valid Assured Shorthold Tenancy. |
| Harpenden Building Society |
No |
| Hinckley and Rugby Building Society | Yes. |
| Hodge | Yes |
| Hodge Equity Release | Yes |
| Holmesdale Building Society | Yes. |
| HSBC UK Bank plc |
No |
| Intelligent Finance | No |
| Investec Bank plc | No, you should retain this in the file of original deal documents that you hold for the Bank. |
| ITL Mortgages | Yes |
| JPMorgan Chase Bank, N.A. | Yes. |
| Kensington Mortgage Company Ltd | You need to confirm to us in writing before Completion that the tenancy is in an acceptable form. The completed tenancy must be placed with the title deeds. |
| Kent Reliance (a trading name of OneSavings Bank plc) | No |
| Keystone Property Finance | No, you must ensure the tenancy agreement complies with all relevant legislation and retain a copy on your file |
| Landbay Partners Limited | N/A |
| Landmark Mortgages Limited | Yes |
| Leeds Building Society | No. |
| Legal & General Home Finance Ltd | Yes. |
| LendInvest | Not applicable |
| LiveMore Capital | N/A |
| 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 lend on properties subject to a tenancy |
| Magellan Homeloans | Magellan Homeloans does not currently lend on investment properties |
| Manchester Building Society | No. |
| Market Harborough Building Society | Yes |
| Masthaven Bank | Yes. |
| Metro Bank plc | No, but we reserve the right to request this. |
| ModaMortgages |
No, the tenancy however must comply with our requirements as specified in our buy to let mortgage conditions. |
| Molo Finance | For residential mortgages as per 1.11a post completion section |
| Monmouthshire Building Society | Yes. |
| Mortgage Agency Services |
Yes |
| Mortgage Express | No, provided that it is a valid Assured Shorthold Tenancy |
| Mortgage Express No 2 | |
| MPowered Mortgages | No, you must ensure the tenancy agreement complies with all relevant legislation and retain a copy on your file. |
| National Counties Building Society | Yes. |
| National Westminster Bank plc |
Yes, unless the tenancy is an Assured Shorthold Tenancy. |
| Nationwide Building Society | No |
| Nedbank Private Wealth Ltd | A copy of the proposed tenancy should be sent to us. You must confirm that it is acceptable to the bank (or not). |
| New Street Mortgages |
No, however you should ensure that the AST is for no longer than 12 months with a 6 month break clause for any over 6 months in duration |
| NRAM Ltd | Yes |
| Paragon Buy to Let Mortgages |
N/A. |
| Paragon Residential Owner-Occupied Mortgages | Yes, please send to contact point specified in 16.3.2. The Borrower must not let the Property without our prior consent in writing. |
| Paratus AMC Ltd |
No, you must ensure the tenancy agreement complies with all relevant legislation and retain a copy on your file. |
| Parity Trust | Yes |
| Pepper Money | |
| Pepper Money (PUK) | |
| Perenna |
No, at present Perenna Bank plc are not offering Buy to Let mortgages so any proposed tenancy needs to be referred to our Mortgage Servicing team by either telephone: 0333 344 2833 or Email: mortgageservicing@perenna.co.uk |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Yes. |
| Precise Mortgages (Charter Court Financial Services Ltd) |
No. Please check the terms of the mortgage offer to determine whether or not lettings are allowed. If Buy to Let product, the tenancy must comply with our requirements. |
| Principality Building Society | Yes |
| Reliance Bank Ltd | Yes |
| Rooftop Mortgages Ltd |
If the mortgage offer was issued on a Buy to Let basis and the letting is on an Assured Shorthold Tenancy we do not need to be sent a copy of the tenancy. Otherwise please refer to: Rooftop Mortgages Ltd 25 Bank Street Canary Wharf London E14 5JP |
| Saffron Building Society | No - you are to ensure it complies with our requirements |
| Sainsbury's Bank | No, however we will only accept Assured Shorthold Tenancy Agreements and you should confirm in your covering letter that the tenancy will meet this requirement. |
| Santander UK plc | No. |
| Scottish Building Society | No |
| Scottish Widows Bank | Yes. |
| Secure Trust Bank PLC | Yes. |
| Skipton Building Society | No, but we reserve the right to request this. The Borrower must complete a Lettings Declaration. |
| St James Place Bank | No. |
| State Bank of India UK | No. |
| Swansea Building Society |
11/12 Cradock Street Swansea SA1 3EW 01792 739100 |
| The Mortgage Business |
No, provided it is an Assured Shorthold Tenancy (or equivalent) |
| The Mortgage Lender Limited |
No, however where the mortgage is for Buy to Let purposes you must ensure that any existing or proposed tenancies meet the requirements outlined in our Acceptable Tenancies Document. We do not consent to letting on residential (owner occupied) mortgages. |
| The Mortgage Works |
Generally no as TMW mortgages are granted on a buy to let basis and must meet the following criteria: is an assured shorthold tenancy within the meaning of section 20 of the Housing Act 1988 as amended by the Housing Act 1996 or an alternative form of tenancy whereby vacant possession can be obtained as of right at the end of the term created by the tenancy, and complies with the terms of the Offer Conditions except that the maximum term of the tenancy must be no more than 12 months. The tenancy agreement should also give notice to the tenant that possession may be obtained under Ground 2 of Schedule 2 of the Housing Act 1988 |
| The Royal Bank of Scotland plc | Yes, unless the tenancy is an Assured Shorthold Tenancy. |
| The Royal Bank of Scotland plc Direct Line Mortgages | yes, unless the tenancy is an Assured Shorthold Tenancy. |
| The Royal Bank of Scotland plc Direct Line One | Yes, unless the tenancy is an Assured Shorthold Tenancy. |
| The Royal Bank of Scotland plc First Active | Yes, unless the tenancy is an Assured Shorthold Tenancy. |
| The Royal Bank of Scotland plc Natwest one Account | Yes, unless the tenancy is an Assured Shorthold Tenancy. |
| The Royal Bank of Scotland plc One Account | Yes, unless the tenancy is an Assured Shorthold Tenancy. |
| The Royal Bank of Scotland plc Virgin One | Yes, unless the tenancy is an Assured Shorthold Tenancy. |
| The Tipton & Coseley Building Society | Yes. |
| Together Personal Finance Limited | Yes. |
| Topaz Finance Ltd | Yes. |
| TSB Bank plc | No |
| Ulster Bank | Yes, unless the tenancy is an Assured Shorthold Tenancy. |
| Vida Homeloans | No |
| Virgin Money | Yes. |
| Whistletree (a trading name of TSB Bank plc) | Yes |
| Yorkshire Bank Home Loans Ltd |
The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 |
| Yorkshire Building Society | Yes. |
| Zephyr Homeloans | Not unless we specifically ask for it |