Answers for England and Wales

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Question: 14.1.5. Does the lender need to be sent the original mortgage deed and/or any other original title documents?

Lender Answer
Accord Buy to Let If you are using the Land Registry's e-Document Registration Service, yes we need the original mortgage deed but you must also keep a certified copy on your file.
If you are not using the Land Registry's e-Document Registration Service, no but please lodge the original mortgage deed (not a certified copy) with your application for registration to the Land Registry.
Accord Mortgages Ltd If you are using the Land Registry's e-Document Registration Service, yes we need the original mortgage deed but you must also keep a certified copy on your file.
If you are not using the Land Registry's e-Document Registration Service, no but please lodge the original mortgage deed (not a certified copy) with your application for registration to the Land Registry.
Adam & Company Yes - after registration at HM Land Registry, the original legal mortgage must be returned to the Bank, with the appropriate Title Information Document. You will need to ensure that your application requests the return of the original legal mortgage for this purpose.


The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay
Adam & Company International Yes - after registration at HM Land Registry, the original legal mortgage must be returned to the Bank, with the appropriate Title Information Document. You will need to ensure that your application requests the return of the original legal mortgage for this purpose.


The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay
Ahli United Bank (UK) plc Yes. Land Registry will not accept original mortgage deeds or certified paper copies thereof for retention for any e-Document Registration Service applications.
Aldermore Bank PLC No, but please retain a copy on your file.

Completion of Personal Guarantees for borrowers- All solicitors firm acting for both us and the borrower ensure there is no conflict of interest and that all appropriate processes are followed & form fully completed
Allied Irish Bank (GB), a trading name of AIB Group (UK) Yes - please provide the original mortgage deed to us on completion.
April Mortgages No
Atom Bank plc No. Please refer to 14.2.1 and 14.2.2.
Aviva Equity Release UK Ltd Yes; we require the original deed to be sent to us as per section 14.2.1 and ensure you submit a certified copy of the deed to HMLR
Bank of China See 14.2.2 for full details as to documents required after completion.
Bank of Ireland (UK) plc No.
Bank of Ireland as Bank of Ireland Mortgages No.
Bank of Scotland Beginning A No, but please retain a copy on your file.
Bank of Scotland Beginning O No, but please retain a copy on your file.
Bank of Scotland Private Banking  
Barclays Bank UK PLC No, but please retain a certified copy on your file.

You must include the MD reference (quoted on the Mortgage Deed) when submitting the application to register the security.
Barnsley Building Soc, a trading name Yorkshire Building Soc If you are using the Land Registry's e-Document Registration Service,yes we need the original mortgage deed but you must also keep a certified copy on your file.
If you are not using the Land Registry's e-Document Registration Service, no but please lodge the original mortgage deed with your application for registration to the Land Registry.
Birmingham Bank Yes
Birmingham Midshires No, but please retain a copy on your file.
Bluestone Mortgages Yes.
Bradford & Bingley Limited No
Britannia, a trading name of The Co-operative Bank plc No. Please note the Land Registry have advised they will not accept original Mortgages or certified paper copies thereof for retention for any e-Document registration Service applications.
Buckinghamshire Building Society As a minimum a certified copy is required.
Chelsea Building Society (a trading name of Yorkshire BS) If you are using the Land Registry's e-Document Registration Service,yes we need the original mortgage deed but you must also keep a certified copy on your file.
If you are not using the Land Registry's e-Document Registration Service, no but please lodge the original mortgage deed with your application for registration to the Land Registry.
CHL Mortgages Please send the ORIGINAL Deed of Charge and ORIGINAL Guarantee(s) (if applicable) to the address below quoting the mortgage case reference number:
Post Completions Department, CHL Mortgages, Admiral House, Harlington Way, Fleet, Hants, GU51 4YA.

In all instances copies of the mortgage deed and/or any other original title documents should be retained on your file for review.

You should register the charge at HM Land Registry using a certified copy of the mortgage deed. If the borrower is a limited company then the Deed of Charge must first be registered at Companies House using Form MR01 within 21 days of completion in accordance with your instructions.
Clydesdale Bank plc No. However, we will require you to retain the original, signed security, once registered, to our order.
Co-operative Bank plc No. Please note the Land Registry have advised they will not accept original Mortgage Deeds or certified paper copies thereof for retention for any e-Document registration Service applications, so, for such applications, please retain the original Mortgage Deed on your file.
Coutts Yes - after registration at HM Land Registry, the original legal mortgage must be returned to the Bank, with the appropriate Title Information Document. You will need to ensure that your application requests the return of the original legal mortgage for this purpose.


The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay
Coutts Finance Co Yes - after registration at HM Land Registry, the original legal mortgage must be returned to the Bank, with the appropriate Title Information Document. You will need to ensure that your application requests the return of the original legal mortgage for this purpose.


The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay
Coventry Building Society No
Cynergy Bank Yes.
Danske Bank Yes, please send to:

Danske Bank
Mortgage Customer Support Team
Personal Collateral Team
Killeaton House
41 Mosside Road, Dunmurry
Belfast, BT17 9HH
DX 2015 NR BELFAST 2
Darlington Building Society No
DB UK Bank Ltd Yes -the original mortgage deed and a copy of the lease should be forwarded to us.
Dudley Building Society No - certified copies will suffice.
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) Only if the Mortgage Offer requires them to be sent to us. All other documents should be retained by the borrower. Please also keep a copy on your file.
First Direct No.

Please ensure that when submitting the application to register the security, you include the MD reference quoted on the mortgage deed.

Fleet Mortgages No, we do not require original documents. However, we do require a fully completed copy Mortgage Deed to be e-mailed to our Mortgage Services Team immediately upon completion. We also require a copy of the Confirmation of Registration and Title Information Document as soon as registered at the Land Registry.
Foundation Home Loans You should register the charge at HM Land Registry using a certified copy of the mortgage deed and retain the original on your file. If the borrower is a limited liability company or partnership then the Mortgage Deed and associated Conditions must be registered at Companies House using Form MR01 within 21 days of completion. You will need to tick the Yes Box in Part 7 of form MRO1.
We require you to retain all original deeds on your file including legal charge, TID, and where applicable the deeds of guarantee, consent to mortgage, confirmation of legal advice, incentive form, certificate of registration at Companies House, any statutory declaration, stock transfer form executed by the Borrower, Indemnity Insurance Policy.
See 14.2.2 for our requirements following registration.
Furness Building Society Yes
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Gen H No. Please provide the certified copy documents listed at 14.2.2 to us within 7 working days of completion.

Please note that we accept electronically executed documents including mortgage deeds. Any deeds to be registered at Land Registry must be electronically executed in a form set out in their Practice Guide 82.
Godiva Mortgages Ltd No
Habito No however a scanned copy of the mortgage deed should be submitted alongside the Certificate of Title.
Halifax No, but please retain a copy on your file.
Halifax Loans Ltd No, but please retain a copy on your file.
Hampden & Co. plc No. The original mortgage deed must be retained with the title deeds and held to our order as set out on 14.2.1 below. In accordance with the new Land Registry procedure, you must ensure that only a certified copy of the legal mortgage is sent to the Land Registry. A certified copy of the mortgage deed must be sent to us.
The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay.
Handelsbanken Yes.
Harpenden Building Society Yes
Hinckley and Rugby Building Society No
Hodge No.

You should either send the original mortgage deed to HM Land Registry, or in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.
Hodge Equity Release No. You should either send the original mortgage deed to HM Land Registry, or in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.
Holmesdale Building Society Yes on completion.
HSBC UK Bank plc No.

Please ensure that when submitting the application to register the security, you include the MD reference quoted on the mortgage deed.
Intelligent Finance No, but please retain a copy on your file.
Investec Bank plc You should retain all originals and other documents specified, in these instructions, in the file of original deal documents that you hold for the Bank. You should scan all documents and send us an indexed electronic (PDF) bible of documents.
ITL Mortgages No
JPMorgan Chase Bank, N.A. Yes.
Kensington Mortgage Company Ltd Yes, please send the original mortgage deed to the address specified at 5.5.3b following Completion, and retain a certified copy for your file.
Land Registry will not accept original mortgage deeds or certified paper copies thereof for retention for any e-Document Registration Service applications.
Kent Reliance (a trading name of OneSavings Bank plc) No, but you should retain on your file.
Keystone Property Finance We do require a fully completed copy Mortgage Deed to be emailed to the contact point in 1.11a when sending the Certificate of Title. The original Mortgage Deed along with a copy of Confirmation of Registration and Title Information Document as soon as the registered at the Land Registry and a copy of the certificate of registration at Companies House for the Mortgage Deed (ensuring any Floating Charge is noted) along with the original Guarantee and Indemnity - all to be sent to 1.11a
Note that any application to the Land Registry for first registration must be submitted within two months of legal completion.
Landbay Partners Limited No.
Landmark Mortgages Limited Yes
Leeds Building Society No. You should either send the original mortgage deed to HM Land Registry, or in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.
Legal & General Home Finance Ltd Yes, after completion.
LendInvest No, we do not require original documents. However, we do require a full completion pack to be e-mailed to our Buy-To-Let Team (for BTL Loans) or Bridge Team (for Regulated Bridge Loans), or resiops@lendinvest.com (for regulated residential lending) immediately upon completion. We also require a copy of the Confirmation of Registration and Title Information Document as soon as registered at the Land Registry.
LiveMore Capital Yes, you are authorised to scan and send an electronic version of our Mortgage Deeds and Deeds of Consent and Certificates of Title.
Lloyds Bank plc pre fixed 20/40 No, but please retain a copy on your file.
Lloyds Bank plc pre fixed 50/30/77 No, but please retain a copy on your file.
Lloyds TSB Scotland plc No, but please retain a copy on your file.
M&S Bank no
Magellan Homeloans Yes, see 14.2.2
Manchester Building Society Yes.
Market Harborough Building Society Yes
Masthaven Bank Yes.
Metro Bank plc We do not require the original mortgage deed and/or any other original title documents to be sent to us, however:

If you are not using the Land Registry's e-Document Registration Service, no but please lodge the original mortgage deed (not a certified copy) with your application for registration to the Land Registry.

If you are using the Land Registry's e-Document Registration Service, we require you to retain the original mortgage deed on your files as HM Land Registry will not accept original or certified paper copies thereof in such circumstances.
ModaMortgages If you are using the Land Registry's e-Document Registration Service, yes we need the original mortgage deed but you must also keep a certified copy on your file.
Molo Finance We do not require original copies to be sent to us. We require electronic copies of the following items which should be emailed as per 1.11a:

- Completed mortgage deed
- Office copy of Land Registry entries once registered

Additionally, for Ltd Company BTL mortgages, we require:
- Office copies of charges placed at Companies House after completion
Monmouthshire Building Society No, following registration please electronically upload the following to LMS STARS system:-
Priority Notice
Confirmation of Application to Register
Official Copy of Register Entries
Executed Mortgage Deed

Mortgage Agency Services Yes, original mortgage deed should be returned with the documents listed in 14.2.2
Please note the Land Registry have advised they will not accept original Mortgages or certified paper copies thereof for retention for any e-Document registration Service applications.
Mortgage Express No
Mortgage Express No 2  
MPowered Mortgages No, we do not require original documents. However, Mortgage Deeds must be sent to the email as per 1.11a within 28 days of completion. We are a paperless office. Physical post will not be dealt with.

Other documents required are Notice of Assignment of any Lease and Title Information Document as soon as registered at the Land Registry.

National Counties Building Society Yes.
National Westminster Bank plc No. You should either send the original mortgage deed to HM Land Registry or, in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.

The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. Where you have been unable to register the charge within thirty days of completion you are required to update the LMS system with a reason for the delay at least every thirty days until registration is complete and the required documents have been uploaded. For cases where you have not been instructed through the LMS system please update our Mortgage Centre using the contact details at 1.11.

We do not need you to confirm to us that completion has occurred.
Nationwide Building Society No.

Nedbank Private Wealth Ltd We require the original mortgage deed to be sent to us.
New Street Mortgages No, a copy should be sent to New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW and the original stored on your file

NRAM Ltd Yes
Paragon Buy to Let Mortgages We require all original deeds to be sent to us, including the legal charge, and official copies of the registers of title and filed plan and where applicable, the lease; deeds of guarantee; certificates of confirmation of advice; certificate of registration at Companies House for the Legal Charge and the Floating Charge, UK Finance Disclosure of Incentives form and all other documents to support a good and marketable title such as all necessary planning documentations.
Paragon Residential Owner-Occupied Mortgages We require all original deeds to be sent to us, including the legal charge and official copies of the registers of title and filed plan and where applicable, the lease; deeds of guarantee; consent to mortgage; UK Finance Disclosure of Incentives Form and all other documents to support and good and marketable title such as all necessary planning documentation.
Paratus AMC Ltd You should register the charge at HM Land Registry using a certified copy of the mortgage deed and retain the original on your file. If the borrower is a limited liability company or partnership then the Mortgage Deed and associated Conditions must be registered at Companies House using Form MR01 within 21 days of completion. You will need to tick the Yes Box in Part 7 of form MRO1.
We require you to retain all original deeds on your file including legal charge, TID, and where applicable the deeds of guarantee, consent to mortgage, confirmation of legal advice, incentive form, certificate of registration at Companies House, any statutory declaration, stock transfer form executed by the Borrower, Indemnity Insurance Policy.
See 14.2.2 for our requirements following registration.
Parity Trust Yes
Pepper Money Yes, please send to Pepper Money, Servicing Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ
Pepper Money (PUK) Yes, please send to Pepper Money, Servicing Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ
Perenna Hard copies of documents should be retained by the solicitor and provided to Perenna upon request.
Platform (a trading name of The Co-operative Bank p.l.c.) Yes. The Land Registry have advised they will not accept original Mortgages or certified paper copies thereof for retention for any e-Document registration Service applications. Please ensure the original copy of the mortgage deed is sent with the title deeds.
Precise Mortgages (Charter Court Financial Services Ltd) Please see 14.2.2 for details of the documents that we need to be sent to us after completion.
Principality Building Society Yes - please send it to us along with the Title Information Document (TID).
Reliance Bank Ltd Yes
Rooftop Mortgages Ltd Yes.
Saffron Building Society Yes, we require the following documentation
Mortgage Deed (original or certified copy)
Title Information Document
Any documents required under the special conditions and all other documents to support a good and marketable title.
Sainsbury's Bank The original mortgage deed should be sent to HMLR.
Where you make your application for registration through the e-Document Registration Service, HMLR will not accept any original deeds; accordingly, you should forward the original signed mortgage deed to us together with the title deeds in any such cases.
Santander UK plc No.

Where application for registration of the mortgage is made by way of the e-Document Registration Service please retain the original mortgage deed on your files as HM Land Registry will not accept original mortgages or certified paper copies thereof in such circumstances.
Scottish Building Society No. You should either send the original mortgage deed to HM Land Registry, or in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.
Scottish Widows Bank No, but please retain a copy on your file.
Secure Trust Bank PLC No, but please retain a copy on your file.
Skipton Building Society No, but please retain a certified copy on your file.
St James Place Bank No, we have asked the Land Registry to retain this.
State Bank of India UK Yes, please provide the original mortgage deed. A certified copy of the mortgage deed must be submitted to HMLR.
Swansea Building Society Yes
The Mortgage Business No, but please retain a copy on your file.
The Mortgage Lender Limited No. We do, however, require a copy following completion.
The Mortgage Works No.
The Royal Bank of Scotland plc No. You should either send the original mortgage deed to HM Land Registry or, in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.

The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. Where you have been unable to register the charge within thirty days of completion you are required to update the LMS system with a reason for the delay at least every thirty days until registration is complete and the required documents have been uploaded. For cases where you have not been instructed through the LMS system please update our Mortgage Centre using the contact details at 1.11.

We do not need you to confirm to us that completion has occurred.
The Royal Bank of Scotland plc Direct Line Mortgages No. You should either send the original mortgage deed to HM Land Registry or, in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.

The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay.

The Royal Bank of Scotland plc Direct Line One No. You should either send the original mortgage deed to HM Land Registry or, in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.

The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay.

The Royal Bank of Scotland plc First Active No. You should either send the original mortgage deed to HM Land Registry or, in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.

The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay.
The Royal Bank of Scotland plc Natwest one Account No. You should either send the original mortgage deed to HM Land Registry or, in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.

The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay.
The Royal Bank of Scotland plc One Account No. You should either send the original mortgage deed to HM Land Registry or, in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.

The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay.
The Royal Bank of Scotland plc Virgin One No. You should either send the original mortgage deed to HM Land Registry or, in circumstances where you choose to send a certified copy to HM Land Registry or where the application for registration of the mortgage is made by way of the e-Document Registration Service, please retain the original on your file.

The application for registration of our first ranking legal charge must be received by the Land Registry during the priority period. In any event, if the application has not been submitted within this time, please ensure that you do so within 2 months of the date of completion. Upon the expiry of this period, please notify us in writing if the application has not been received by the Land Registry within this time with an explanation for the delay.
The Tipton & Coseley Building Society Yes.
Together Personal Finance Limited Yes.
Topaz Finance Ltd No but please follow the procedures whereby the original mortgage deed will be retained at the Land Registry after the registration of it has been completed.
TSB Bank plc No, but please retain a copy on your file. Land Registry will not accept original mortgage deeds or certified paper copies thereof for retention for any e-Document Registration Service applications. Please note that, where you are submitting the Mortgage Deed to HM Land Registry via the Business Gateway or Digital Registration Service, you must include the relevant Land Registry MD reference from the Mortgage Deed as part of your submission.
Ulster Bank Yes.You must send the original and a certified copy of the mortgage deed to HM Land Registry and return the original mortgage deed to us after registration.
Vida Homeloans Yes, a certified copy to the Land Registry and the original to:
Mortgage Services,
Vida Homeloans,
Gateway House,
Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
Virgin Money The documents we need post-completion are listed in our current Deeds Schedule.
Whistletree (a trading name of TSB Bank plc) Yes
Yorkshire Bank Home Loans Ltd No. However, we will require you to retain the original, signed security, once registered, to our order.
Yorkshire Building Society If you are using the Land Registry's e-Document Registration Service, yes we need the original mortgage deed but you must also keep a certified copy on your file.
If you are not using the Land Registry's e-Document Registration Service, no but please lodge the original mortgage deed with your application for registration to the Land Registry.
Zephyr Homeloans No but please follow the procedures whereby the original mortgage deed will be retained at the Land Registry after the registration of it has been completed.