Answers for England and Wales

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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.
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 Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
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
Jubilee House
Gosforth
Newcastle upon Tyne
NE3 4PL

or DX 60350 Gosforth

Solicitors Helpline: 0845 604 4858
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
Yorkshire Building Society As 1.11a.
Zephyr Homeloans There is no right of preemption that will be acceptable. Contact details as per 1.11