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Question: 6.12.1. If different from 1.11, contact point if pre-emption rights, resale restrictions, options etc will affect the lender's security:
| Lender | Answer |
|---|---|
| Accord Buy to Let | As 1.11a. |
| Accord Mortgages Ltd | As 1.11a |
| Adam & Company | See 1.11 |
| Adam & Company International |
See 1.11 |
| Ahli United Bank (UK) plc | Central Administration Unit |
| Aldermore Bank PLC | As 1.11. |
| 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 |
Remortgage - You are not required to check for rights of pre-emption or options on the title. If you are advised of one outside of this, you must refer to Aviva (see 1.11). We will need the specific detail of the pre-emption and how it operates i.e. the deed wording, so we can assess whether we should lend. Purchase transaction - We will not normally accept properties which are subject to rights of pre emption, restrictions on resale, options or similar arrangements. If you discover that the Property is subject to any of these matters, please let us have details immediately (see 1.11). We will need the specific detail of the pre-emption and how it operates i.e. the deed wording, so we can assess whether we should lend. Please also let us have your opinion of the effect the matter would have upon a mortgagee’s/heritable creditor’s power of sale and in particular the degree to which you feel a sale might be frustrated by the person having the benefit of the right, restriction or option. |
| 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 | We do not lend where there is an overage agreement in place or one will be created on completion. Other arrangements should be notified to us for our consideration. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | As 1.11a. |
| 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. |
| CHL Mortgages | As per 1.11. |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc | See 1.11a earlier. |
| Coutts | 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 | We do not lend where there is an overage agreement in place or one will be created on completion. Other arrangements should be notified to us for our consideration. |
| 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 |
See 1.11b. We do not lend on properties where there is an overage agreement in place or where such an agreement will be set up on completion. |
| Fleet Mortgages | See 1.11a |
| Foundation Home Loans | See 1.11.a |
| 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 | 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 | See 1.11b. We do not lend on properties where there is an overage agreement in place or where such an agreement will be set up on completion. |
| 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) | Referral to our valuer may be required for any matters you report to us. |
| Keystone Property Finance | As 1.11a |
| Landbay Partners Limited | We do not lend where there is an overage agreement in place, or where one will be created on completion. |
| 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 | See 11.1a |
| 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. Referral to our valuer may be required for any matters you report to us. |
| Molo Finance | As 1.11a. |
| Monmouthshire Building Society |
Lending Operations Department Monmouthshire Building Society Monmouthshire House John Frost Square Newport NP20 1PX |
| 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 |
As detailed above in 1.11. Please note we do not lend on any property subject to an overage agreement. |
| Nationwide Building Society |
Issuing Office and for Resale Restrictions and Special Schemes please also ensure the scheme complies with our requirements as documented on our website at nationwide.co.uk/-/media/MainSite/documents/about/media-centre-and-specialist-areas/information-for-lawyers/low-cost-home-ownership-special-schemes.pdf . Please advise us if the restriction does not meet our requirements as the case will not be able to proceed. Overage agreements will only be acceptable if: - 1.They are made subject to our charge. Our charge must have priority over the overage agreement. If the overage agreement is already in place, it must be postponed so that Nationwide’s interest ranks in priority. 2.Any restriction wording does not prevent the disposition by a mortgagee. Any existing overage agreement and/or restriction that does not comply with the foregoing will need to be amended on or before completion. If the overage agreement relates to developing new units/buildings on the land we do not need to be advised. If the agreement relates to the current building (for example developing it into flats, adding an extension or conservatory, or a loft conversion) please advise us of the terms of the overage in plain English. This material fact will be assessed to ascertain if we wish to amend or withdraw our offer. Right to Buys: Acceptable if the pre-emption is for the Council to purchase at market value and the Council must complete the purchase within 20 weeks. |
| 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 |
As 1.11a. |
| 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. |
| Parity Trust | As 1.7 |
| Pepper Money |
Please contact Pepper Money Completions department on 0333 370 1101 or email lendingenquiries@pepper.money Please ensure the scheme and application meets our requirements set out in our Affordable Housing Guidance notes: <a href="https://pepper.money/file/Housing-Schemes-Lender-Handbook.pdf">https://pepper.money/file/Housing-Schemes-Lender-Handbook.pdf</a> |
| Pepper Money (PUK) |
Please contact Pepper Money Completions department on 0333 370 1101 or email lendingenquiries@pepper.money. Please ensure the scheme and application meets our requirements set out in our Affordable Housing Guidance notes: <a href="https://pepper.money/file/Housing-Schemes-Lender-Handbook.pdf">https://pepper.money/file/Housing-Schemes-Lender-Handbook.pdf</a> |
| Perenna | 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) |
Referral to our valuer may be required for any matters you report to us. |
| Principality Building Society |
Mortgage New Business PO Box 89 Queen Street CARDIFF CF10 1UA 0330 333 4021 |
| 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 |
Overage agreements will only be acceptable if: Our charge will have priority over the overage agreement; Any restriction wording does not prevent the disposition by a mortgagee Please report to: 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. For Shared Ownership / Special Scheme restrictions refer to the separate guidance in the Affordable Housing Schemes Guidance for solicitors and licenced conveyancers. |
| Scottish Building Society | |
| Scottish Widows Bank | New Business Processing (see 1.11a). |
| Secure Trust Bank PLC | As 1.11 |
| Skipton Building Society |
We do not lend where there is an overage agreement in place, or where one will be created on completion. Other arrangements should be notified to our Completions Team via LMS Secure Link for consideration. |
| 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. |
| 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 |
Originations Overage Agreements are not acceptable |
| The Royal Bank of Scotland plc | As detailed above in 1.11a. Please note we do not lend on any property subject to an overage agreement. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
As detailed above in 1.11a. |
| The Royal Bank of Scotland plc Direct Line One | As detailed above in 1.11a. |
| The Royal Bank of Scotland plc First Active |
As detailed above in 1.11a Please note we do not lend on any property subject to an overage agreement. |
| The Royal Bank of Scotland plc Natwest one Account |
As detailed above in 1.11a. Please note we do not lend on any property subject to an overage agreement. |
| The Royal Bank of Scotland plc One Account |
As detailed above in 1.11a. Please note we do not lend on any property subject to an overage agreement. |
| The Royal Bank of Scotland plc Virgin One |
As detailed above in 1.11a. Please note we do not lend on any property subject to an overage agreement. |
| The Tipton & Coseley Building Society | Mortgage Department. |
| Together Personal Finance Limited | Contact point as detailed in 1.11a above. |
| 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 |
Mortgage Processing Operations Virgin Money Gosforth Newcastle upon Tyne NE3 4PL Solicitor Helpline: 0845 604 4858 Solicitor Email: postoffer@virginmoney.com |
| 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 |
| Yorkshire Building Society | As 1.11a. |
| Zephyr Homeloans | There is no right of preemption that will be acceptable. Contact details as per 1.11 |