Answers for England and Wales

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Question: 5.2.1. If different from 1.11, the contact point if the seller is not the owner or registered proprietor and is not listed in the exceptions above:

Lender Answer
Accord Buy to Let As 1.11a.
Accord Mortgages Ltd As 1.11a
Adam & Company  
Adam & Company International  
Ahli United Bank (UK) plc New Business/Underwriting - Residential Mortgage Department
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 Mortgage applications involving assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable to us.

We will not usually lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third party.

All circumstances where the seller is not the owner or registered proprietor other than those listed in Part 1 under 5.2.1 should be referred to our Mortgage Team (see 1.11a for contact details) with full details.
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 Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).
Bank of Scotland Beginning O Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details) .
Bank of Scotland Private Banking  
Barclays Bank UK PLC We require you to report immediately if the person selling is doing so pursuant to a reassignment of sale contract/lease (sub-sale).
Reassignment of sale contract/ leases on new-build developments are not acceptable for Buy to let transactions.
If the transaction is for residential lending then, in order for us to consider this further, we require the Disclosure of Incentives Form (DIF), dated as of the original (first) sale and confirmation that the following criteria are met:
• The loan-to-value (LTV) does not exceed 70% of the market value or purchase price (whichever is lower) stated on our mortgage offer
• The total mortgage lending is less than the contracted sale price paid by the third-party
• All deposit funds are evidenced as being from the applicant’s own resources, a gift from a relative or a combination of the two
• There is no family or other relationship between any applicant and the vendor or third-party.

If the above requirements are not all met, then the Bank cannot proceed on this basis.
Barnsley Building Soc, a trading name Yorkshire Building Soc As 1.11a
Birmingham Bank mortgages@birminghambank.com
Birmingham Midshires Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a 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  
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
Co-operative Bank plc See 1.11a earlier.
Coutts  
Coutts Finance Co  
Coventry Building Society  
Cynergy Bank As per 1.11.a
Danske Bank We will not normally lend where there is a sub-sale or back to back transaction and we will not lend where the contract for sale is to be assigned to a third party. All circumstances where the seller is not the owner or registered proprietor other than those listed in Part 1 under 5.2.1 should be referred to the Mortgage Completion Team.
Darlington Building Society Customer Support Department, Principal Office
DB UK Bank Ltd db mortgages
PO Box 890
Newport
NP20 9LZ
Dudley Building Society As 1.11a. Please also confirm who the seller is.
Ecology Building Society  
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 Transactions which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect. We will NOT lend in transactions where there is a sub-sale, back to back transaction or in one where the contract for sale is to be assigned to a third party. All other circumstances where the seller is not the owner or registered proprietor, other than those listed in Part 1 under 5.2.1, should be referred to us with full details, (see 1.11a for contact details)
Fleet Mortgages See 1.11a
Foundation Home Loans See 1.11.a

Transactions which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

We will NOT lend in transactions where there is a sub-sale, back to back transaction or in one where the contract for sale is to be assigned to a third party.

All other circumstances where the seller is not the owner or registered proprietor, other than those listed in Part 1 under paragraph 5.2.1, should be referred to us providing full details.
Furness Building Society As 1.11a
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Gen H Please raise a query through Secure Link which is accessed via LMS Conveyancer Zone
Godiva Mortgages Ltd  
Habito All circumstances where the seller is not the owner or registered proprietor should be raised to our attention using the contact details as per 1.11
Halifax Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).
Halifax Loans Ltd Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



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, Completions Team
Hodge As per 1.11a
Hodge Equity Release As per 1.11a
Holmesdale Building Society Lender
HSBC UK Bank plc Transactions which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

We will NOT lend in transactions where there is a sub-sale, back to back transaction or in one where the contract for sale is to be assigned to a third party.

All other circumstances where the seller is not the owner or registered proprietor, other than those listed in Part 1 under 5.2.1, should be referred to us (see 1.11a for contact details) with full details
Intelligent Finance Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



Investec Bank plc See 1.11
ITL Mortgages  
JPMorgan Chase Bank, N.A.  
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) Issuing office

We will not lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third party.

You must satisfy yourselves that the seller of the Property and any party associated with the Borrower or the seller has complied with all applicable provisions of the Economic Crime (Transparency and Enforcement) Act 2022 (as in force and amended from time to time).
Keystone Property Finance As 1.11a
Landbay Partners Limited See. 1.11a Legals@landbay.co.uk.
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 Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



Lloyds Bank plc pre fixed 50/30/77 Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



Lloyds TSB Scotland plc Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



M&S Bank M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322

transactions which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. you should also report any other structure to the transaction which has a similar effect.

We will NOT lend in transactions where there is a sub-sale, back to back transaction or in one where the contract for sale is to be assigned to a third party.

All other circumstances where the seller is not the owner or registered proprietor, other than those listed in Part 1 under 5.2.1, should be referred to us
Magellan Homeloans Issuing Office
Market Harborough Building Society  
Masthaven Bank As per 1.11.
Metro Bank plc As per 1.11.
ModaMortgages We will not lend where this is a sub-sale or back-to-back transactions or one where the contract for sale is to be assigned to a third party (see also 5.1.1).

You must satisfy yourselves that the seller of the Property and any part associated with the Borrower or the Seller has complied with all applicable provisions of the Economic Crime (Transparency and Enforcement) Act 2022 (as in for and amended from time to time).
Molo Finance As 1.11a.
Monmouthshire Building Society  
Mortgage Agency Services  
Mortgage Express  
MPowered Mortgages As 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 1.11a
Nationwide Building Society We will not normally lend where there is a sub-sale or back to back transaction and we will not lend where the contract for sale is to be assigned to a third party. All circumstances where the seller is not the owner or registered proprietor other than those listed in Part 1 under 5.2.1 should be referred to the issuing office with full details.

SHARED OWNERSHIP:
For newly built Shared Ownerships, where the transfer to the Housing Association has not yet been completed, we can consider proceeding on an exception basis and require you to:

• Investigate the title yourself and be satisfied that the transfer to the seller is in order and the Land Registry should be able to register the title.
• Check contractual provisions are included to ensure that the seller does all acts and things necessary to procure the registration of the title at their sole cost as soon as possible and to give notification as soon as the registration is completed. The seller should also be required to expedite the application.
• Provide us with proof that the Land Registry has accepted the request to expedite the application, this must clearly identify the subject property. Any requisitions or Notice of Cancellations must be referred to us for consideration, prior to exchange of contracts.
• Ensure a priority search to be obtained to protect our charge which should be subject only to the transfer to the seller.
• Fully explain and gain the borrower’s understanding of the risks associated with the delay in registering their ownership, and that will affect their ability to borrow more against the property, and affect their ability sell.
Nedbank Private Wealth Ltd You must report any such matter 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  
Paragon Residential Owner-Occupied Mortgages  
Paratus AMC Ltd New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA
Email: FHL@foundationhomeloans.co.uk
Tel: 01344 770 8033
Transactions which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

We will NOT lend in transactions where there is a sub-sale, back to back transaction or in one where the contract for sale is to be assigned to a third party.

All other circumstances where the seller is not the owner or registered proprietor, other than those listed in Part 1 under paragraph 5.2.1, should be referred to us providing full details.
Parity Trust As 1.7
Pepper Money As is for 1.11
Pepper Money (PUK) As is for 1.11
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.)  
Precise Mortgages (Charter Court Financial Services Ltd) We will not lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third (see also 5.1.1).

You must satisfy yourselves that the seller of the Property and any party associated with the Borrower or the seller has complied with all applicable provisions of the Economic Crime (Transparency and Enforcement) Act 2022 (as in force and amended from time to time).
Principality Building Society As in 1.7:
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  
Saffron Building Society The applicant(s) must have been the registered owner(s) of the property for a minimum of six months; we may waive this if the property has been inherited and there is evidence of legal transfer of ownership to the applicant post probate or there is another reasonable explanation (e.g. purchase/gift of building plot, Developer Part Exchange etc.).
Please refer all cases to us at:
Mortgage Processing Team
Saffron Building Society, Saffron House, 1A. Market Street, Saffron Walden, Essex. CB10 1HX

Mortgage.processing@saffronbs.co.uk
Telephone 01799 582966
Fax 01799 581901
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 (i) Completions Team via LMS Secure Link
(ii) Commercial Servicing Team
State Bank of India UK As 1.11a.

Only report if the Seller is not one of the exceptions listed. Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.
Swansea Building Society 11/12 Cradock Street
Swansea
SA1 3EW
01792 739100
The Mortgage Business Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details)
The Mortgage Lender Limited completions@themortgagelender.com

Tel: 0344 257 0426
The Mortgage Works We will not normally lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third party. All circumstances where the seller is not the owner or registered proprietor other than those listed in Part 1 under 5.2.1 should be referred to the issuing office with full details.
The Royal Bank of Scotland plc As detailed above in 1.11a.
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  
The Royal Bank of Scotland plc Natwest one Account As detailed above in 1.11a.
The Royal Bank of Scotland plc One Account As detailed above in 1.11a.
The Royal Bank of Scotland plc Virgin One As detailed above in 1.11a.
The Tipton & Coseley Building Society Mortgage Department.
Together Personal Finance Limited Contact point as detailed in 1.11a above.
Topaz Finance Ltd  
TSB Bank plc Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).
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
Yorkshire Building Society As1.11a
Zephyr Homeloans As per 1.11