Answers for England and Wales

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Question: 5.20.1. Does the lender require me to report to them where the lease does not meet the UK Finance minimum requirements for leases of roof space for solar PV panels?

Lender Answer
Accord Buy to Let Yes. As 1.11a. For details of additional requirements, see paragraph 5.20.3 below.
Accord Mortgages Ltd Yes -see 1.11a for contact details
Adam & Company  
Adam & Company International  
Ahli United Bank (UK) plc Yes
Aldermore Bank PLC Yes. As 1.11.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Yes – Refer to AIB Group (UK) plc, Central Securities (GB), 92 Anne Street, Belfast, BT1 3H
April Mortgages Yes, refer to team 1.11A. Likely to require Deed of Variation to ensure UKF requirements are met prior to completion.
Atom Bank plc Atom will not lend on a property where solar panels are subject to a lease arrangement against the roof and roof air space.

Atom will consider properties with solar panels where the applicant(s) is funding the purchase of panels themselves or via additional borrowing, providing they are doing so with no creation of any long-term lease arrangement with the panel provider. A condition will be attached to the offer of advance that lending is subject to the appropriate planning permission and consents being in place.

You must report the ownership/lease arrangements and any borrowing used to fund the purchase of any such panels at the earliest opportunity.
Aviva Equity Release UK Ltd Yes (see 1.11a for contact details).
Bank of China Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession. Please arrange for a deed of variation to be entered into on or before completion to ensure the UK Finance minimum requirements are met. If this is not possible, advise both the issuing office and applicants that the UK Finance minimum requirements cannot be met, and the case cannot proceed.
Bank of Ireland (UK) plc Yes.
Bank of Ireland as Bank of Ireland Mortgages Yes.
Bank of Scotland Beginning A Yes (see 1.11a for contact details).
Bank of Scotland Beginning O Yes (see 1.11a for contact details).
Bank of Scotland Private Banking  
Barclays Bank UK PLC Yes
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes - see 1.11a for details
Birmingham Bank We do not accept properties with leased solar panels
Birmingham Midshires Yes (see 1.11a for contact details).
Bluestone Mortgages Yes. We will only accept properties where solar panels have been installed and are subject to a lease agreement that is in line with UK Finance Requirements and also has a break clause for mortgagee in possession within the contract.

Bradford & Bingley Limited  
Britannia, a trading name of The Co-operative Bank plc Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession.
Buckinghamshire Building Society Yes. We will as a minimum require the right to break the lease should the society repossess the property.
Chelsea Building Society (a trading name of Yorkshire BS) Yes -see 1.11a for contact details.
CHL Mortgages Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession. Should the lease not meet the UK Finance minimum requirements please arrange for a deed of variation to be entered into on or before completion to ensure the UK Finance minimum requirements are met. If this is not possible, advise both CHL and the applicants that the UK Finance minimum requirements cannot be met and the case cannot proceed.
Clydesdale Bank plc Yes (see 1.11a for contact details).
Co-operative Bank plc Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession.
Coutts  
Coutts Finance Co  
Coventry Building Society Yes. As 1.11a. For details of additional requirements see paragraph 5.20.3 below.
Cynergy Bank Yes.
Danske Bank We do not accept properties where solar panels have been installed and are subject to a lease agreement.

However, please notify us at the contact point at 1.11 if the solar panels have been installed at the property and the panels are owned outright by the seller or the borrower.
Darlington Building Society Yes
DB UK Bank Ltd Yes
Dudley Building Society Yes, refer to us
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) Yes. We require a copy of the lease together with specific details as to how the lease does not meet the UK Finance minimum requirements. See 1.11a for contact details.
First Direct The registered lease of roof space must meet the UKF minimum standards. If the lease does not meet the UKF minimum standards and you are unable to agree a variation to ensure the lease meets the UKF minimum requirements, the case cannot proceed and you should advise the applicants and us. We do not require a copy of the lease.
Fleet Mortgages See 1.11a. All properties subject to a lease of roof space for solar panels must be reported to us.
Foundation Home Loans Yes. See 1.11.a
Furness Building Society Yes, to Securities Department,
Furness Building Society
51-55 Duke Street
Barrow in Furness
Cumbria LA14 1RT
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Gen H You must report this to us as detailed above in 1.11a where there is a lease of roof space for solar PV panels.
Godiva Mortgages Ltd Yes. As 1.11a. For details of additional requirements see paragraph 5.20.3 below.
Habito Yes
Halifax Yes (see 1.11a for contact details).
Halifax Loans Ltd Yes (see 1.11a for contact details).
Hampden & Co. plc Yes.
Handelsbanken Yes.
Harpenden Building Society Yes
Hinckley and Rugby Building Society Yes. Principal Office, Completions Team.
Hodge The case cannot proceed if the terms of the lease don’t meet the CML minimum requirements
Hodge Equity Release The case cannot proceed if the terms of the lease don’t meet the CML minimum requirements
Holmesdale Building Society Yes
HSBC UK Bank plc The registered lease of roof space must meet the UKF minimum standards.
If the lease does not meet the UKF minimum standards and you are unable to agree a variation to ensure the lease meets the UKF minimum requirements, the case cannot proceed and you should advise the applicants and us.
We do not require a copy of the lease.


Intelligent Finance Yes (see 1.11a for contact details).



Investec Bank plc Yes. Contact details in 1.11.
ITL Mortgages Yes. As 1.11a. For details of additional requirements, see paragraph 5.20.3 below.
JPMorgan Chase Bank, N.A.  
Kensington Mortgage Company Ltd Kensington requires you to report all leases of roof space and/or air space above for solar PV panels, and before you can proceed you must obtain Kensington's consent to the lease. The lease must meet Kensington's own minimum requirements and we will require the solar panel company to enter into a deed of agreement with Kensington. Kensington's minimum requirements and deed of agreement are available on request. Please ensure that you report the solar panel lease to us and seek to obtain Kensington's consent to the lease at the earliest opportunity and, in any event, prior to exchange of contracts. Please do not proceed until we have confirmed that you may do so.
Kent Reliance (a trading name of OneSavings Bank plc) Yes, together with your advice on how the Bank should proceed although you should take no further steps until we revert to you.
Keystone Property Finance We do not lend on properties that are subject to a lease of roof space for solar panels
Landbay Partners Limited N/A. We do not lend on properties that are subject to PV (solar panel) leasing.
Landmark Mortgages Limited Yes.
Leeds Building Society Yes. Please refer to Mortgage Lending Department (please see 1.11a).
We also require confirmation that the solar panel installation and associated lease comply with the requirements as set out in our Solar Panel Pack for Legal Advisors, available at;
http://www.leedsbuildingsociety.co.uk/intermediaries/forms/solicitors/.
Legal & General Home Finance Ltd Yes.
LendInvest See 1.11a. All properties subject to a lease of roof space for solar panels must be reported to us.
LiveMore Capital We will lend on a security with an Airspace Lease providing it meets the minimum requirements set out in section 5.20.1 of this Handbook or where the panels are owned as freehold. Other arrangements are not acceptable.
Lloyds Bank plc pre fixed 20/40 Yes (see 1.11a for contact details).



Lloyds Bank plc pre fixed 50/30/77 Yes (see 1.11a for contact details).
Lloyds TSB Scotland plc Yes (see 1.11a for contact details)
M&S Bank Yes to M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322
Magellan Homeloans Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession
Market Harborough Building Society Yes
Masthaven Bank Yes.
Metro Bank plc We do not accept solar panels that are subject to a lease.
ModaMortgages Yes, together with your advice on how we should proceed, although you should take no further steps until we have discussed this with you.
Molo Finance We do not lend on properties that are subject to a lease of roof space for solar panels.

You must report the ownership/ lease arrangements for any such panels at the earliest opportunity as the offer will be withdrawn unless the ownership arrangements are acceptable to us and the solar panels are owned outright by the borrower.
Monmouthshire Building Society Yes
Mortgage Agency Services Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession.
Mortgage Express  
MPowered Mortgages Solar panels fitted to the walls, or the roof of the property may be owned by the applicant or by a solar panel provider who leases the air space above the roof of the property.

The firm will lend on these properties subject to the solicitors acting for it approving the lease as a condition on the offer and the lease containing an appropriate clause allowing a mortgagee to terminate the lease at no cost in a reasonable time frame.

A Deed of Variation should be arranged and entered into on or before completion, and if this is not possible advise the applicants and ourselves that these requirements cannot be fulfilled and the case cannot proceed.
National Counties Building Society Yes. We require a copy of the lease together with specific details as to how the lease does not meet the UK Finance minimum requirements. See 1.11a for contact details.
National Westminster Bank plc Yes, you must report this to us as detailed above in 1.11a. We may withdraw our offer if the UK Finance minimum requirements are not met.
Nationwide Building Society Please arrange for a deed of variation to be entered into on or before completion to ensure the UK Finance minimum requirements are met. If this is not possible advise the applicants and the issuing office the UK Finance minimum requirements cannot be met and the case cannot proceed.
Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages New Street requires you to report all leases of roof space and/or air space above for solar PV panels, and before you can proceed you must obtain New Street's consent to the lease. The lease must meet New Street's own minimum requirements and we will require the solar panel company to enter into a deed of agreement with New Street. New Street's minimum requirements and deed of agreement are available on request. Please ensure that you report the solar panel lease to us and seek to obtain New Street's consent to the lease at the earliest opportunity and, in any event, prior to exchange of contracts. Please do not proceed until we have confirmed that you may do so.
NRAM Ltd Yes
Paragon Buy to Let Mortgages Yes. As 1.11a. For details of our additional requirements, please see paragraph 5.20.3 below.
Paragon Residential Owner-Occupied Mortgages Yes. As 1.11a. For details of our additional requirements, please see paragraph 5.20.3 below.
Paratus AMC Ltd Yes. Please refer to 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 Yes
Pepper Money The registered lease of roof space must meet the UKF minimum standards.

If the lease does not meet the UKF minimum standards and you are unable to agree a variation to ensure the lease meets the UKF minimum requirements, the case cannot proceed, and you should advise the applicants and us.

We do not require a copy of the lease.
Pepper Money (PUK) The registered lease of roof space must meet the UKF minimum standards.

If the lease does not meet the UKF minimum standards and you are unable to agree a variation to ensure the lease meets the UKF minimum requirements, the case cannot proceed, and you should advise the applicants and us.

We do not require a copy of the lease.
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.) Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession.
Precise Mortgages (Charter Court Financial Services Ltd) Yes, together with your advice on how we should proceed although you should take no further steps until we revert to you.
Principality Building Society Yes
Reliance Bank Ltd N/a as we do not lend on properties with solar panels where they are leased
Rooftop Mortgages Ltd  
Saffron Building Society Yes - report to:
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 The case cannot proceed if the terms of the lease don’t meet the CML minimum requirements.
Santander UK plc Yes. Please refer to the Mortgage Operations office instructing you.
Scottish Building Society Yes (see 1.11a for contact details).
Scottish Widows Bank Yes (see 1.11a for contact details).

Secure Trust Bank PLC Yes. As 1.11
Skipton Building Society All leases must be reported to Completions Department via LMS Secure Link unless the offer confirms we are aware of the lease and we have provided instructions The lease must meet Skipton requirements which may be over and above CML/UK Finance requirements.
State Bank of India UK We do not lend on properties that are subject to a lease of the roof space for solar panels. You must notify us immediately if you become aware of such an arrangement.
Swansea Building Society Yes
The Mortgage Business Yes (see 1.11a for contact details)
The Mortgage Lender Limited Yes, to the Completions Team at the address stated on the mortgage offer instructions.
The Mortgage Works Please arrange for a deed of variation to be entered into on or before completion to ensure the CML minimum requirements are met. If this is not possible, advise both the issuing office and applicants that the CML minimum requirements cannot be met and the case cannot proceed.
The Royal Bank of Scotland plc Yes, you must report this to us as detailed above in 1.11a. We may withdraw our offer if the UK Finance minimum requirements are not met.
The Royal Bank of Scotland plc Direct Line Mortgages Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc Direct Line One Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc First Active Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc Natwest one Account Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc One Account Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc Virgin One Yes, you must report this to us as detailed above in 1.11a.
The Tipton & Coseley Building Society Yes.
Together Personal Finance Limited Yes.
Topaz Finance Ltd  
TSB Bank plc Yes (see 1.11a for contact details)
Ulster Bank Yes, you must report this to us as detailed above in 1.11a. We may withdraw our offer if the UK Finance minimum requirements are not met.
Vida Homeloans You must notify us of the existence of a lease of the roof space and provide the name of the tenant (see 1.11a for contact details). Do not proceed until we have confirmed that you may do so. We do not require a copy of the lease.
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) Yes
Yorkshire Bank Home Loans Ltd Yes (see 1.11a for contact details).
Yorkshire Building Society Yes - see 1.11a for contact details
Zephyr Homeloans Yes (see 1.11a for contact details)