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Question: 5.7.1. If the lender is prepared to accept a title falling within 5.7 and the property is a freehold flat or flying freehold, to which contact point must this be reported?
| Lender | Answer |
|---|---|
| Accord Buy to Let | Not Applicable. |
| Accord Mortgages Ltd | As 1.11a |
| Adam & Company |
See 1.11 |
| Adam & Company International |
See 1.11 |
| Ahli United Bank (UK) plc | N/A |
| 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 |
There is no need to report to the lender providing the conditions listed within 5.7 can be met. For any other cases or where clarification is required, please refer to Mortgages Team, as per 1.11. |
| 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 | 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 | Issuing Office |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | As 1.11a. |
| Birmingham Bank | Please refer to mortgages@birminghambank.com to discuss |
| 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.a |
| Danske Bank | As for 1.11a |
| 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 1.11a |
| Fleet Mortgages | See 11.1a |
| Foundation Home Loans | See 1.11a |
| Furness Building Society | As 1.11a |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Generation Home | Please contact us through Secure Link which is accessed via LMS Conveyancer Zone. |
| 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 |
Mortgage Helpdesk, Mortgage Operations, 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, Completions Team |
| Hodge | as per 1.11a |
| Hodge Equity Release | As per 1.11a |
| Holmesdale Building Society | Lender. |
| HSBC UK Bank plc |
See 1.11 |
| 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. | 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) | Provided only part of the subject property is affected by a flying freehold and the requirements of part 1 paragraphs 5.7.2 are adhered to there is no requirement to report |
| Keystone Property Finance | As 1.11a |
| Landbay Partners Limited | If the property is a freehold flat, this is not applicable as we do not lend on freehold flats; in relation to 5.7.1a, 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 | 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 | We will only accept freehold flats where the security will compromise the freehold of the full building within which the flat is contained or where the legal arrangements for freehold flats are satisfactory and accepted in the local market (for example, Scotland) |
| Magellan Homeloans |
Magellan Homeloans Ashcombe House 5 The Crescent Leatherhead, Surrey, KT22 8DY |
| 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 |
Not applicable. |
| 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 | 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 |
Issuing Office |
| 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 |
Queries relating to flying freehold only should be directed 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 | As 1.7 |
| Pepper Money | Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money |
| Pepper Money (PUK) | Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money |
| Perenna |
There is no need to report to the lender providing the conditions listed within 5.7 can be met. For any other cases or where clarification is required, 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) |
See 1.11a. |
| 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 | n/a |
| Saffron Building Society |
There is no need to report to us provided the conditions of 5.7 are met. |
| Sainsbury's Bank | Provided that our requirements in 5.7.1a and/or 5.7.1b above are satisfied, there is no need to report this to us. |
| Santander UK plc | Refer to Mortgage Operations office instructing you. |
| Scottish Building Society | If the answer to 5.7.1 is changed to yes, then the answer is, for flying freehold. as per 1.11a. |
| Scottish Widows Bank | New Business Processing (see 1.11a). |
| Secure Trust Bank PLC | As 1.11 |
| Skipton Building Society | Completions Team via LMS Secure Link. |
| St James Place Bank | Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS |
| State Bank of India UK | If the property is a freehold flat, this is not applicable as we do not lend on freehold flats; in relation to 5.7.1a, see 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 |
| 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 | As detailed above in 1.11a |
| 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 |
Completions Team Together Personal Finance Limited 1st Floor, Lake View Lakeside Cheadle Cheshire SK8 3GW Email: completions@togethermoney.com Tel: 0161-933-7042 (ask for Completions team) |
| 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 |
Topaz Finance Limited Gateway House, Gargrave Road, Skipton, North Yorkshire, BD23 2HL 0345 389 1672 |