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Question: 5.14.17. Does the lender want any documentation sent to them?
| Lender | Answer |
|---|---|
| Accord Buy to Let | Subject to 5.14.7b below we do not require copies of any documentation before completion. |
| Accord Mortgages Ltd | Subject to 5.14.7b below we do not require copies of any documentation before completion. |
| Aldermore Bank PLC | Subject to 5.14.7b below we do not require copies of any documentation before completion. |
| April Mortgages | No |
| Atom Bank plc | |
| Bank of China | |
| Bank of Ireland (UK) plc | No |
| Bank of Ireland as Bank of Ireland Mortgages | |
| Bank of Scotland Beginning A |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Bank of Scotland Beginning O |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC | You must share copies of documents if specified in Section 5.14.17.B or where an inaccuracy or discrepancy is identified on the performance of any instruction described in Section 5.14.17.B. |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | Subject to 5.14.7b below we do not require copies of any documentation before completion. |
| Better HomeOwnership (Mortgages) |
No. We may, however, ask you for copies of the documents if we require them post completion. All documents must be retained within your formal retention policy. |
| Birmingham Bank | All documents as outlined |
| Birmingham Midshires |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Bluestone Mortgages | |
| Britannia, a trading name of The Co-operative Bank plc | |
| Chelsea Building Society (a trading name of Yorkshire BS) | Subject to 5.14.7b below we do not require copies of any documentation before completion. |
| CHL Mortgages | |
| Clydesdale Bank plc | No |
| Co-operative Bank plc | |
| Coutts | No subject to 5.14.7(b) |
| Coutts Finance Co | No subject to 5.14.17(b) |
| Coventry Building Society | You must provide the documents set out in the circumstances explained in section 5.14.17b |
| Cynergy Bank | This will depend on on whether the Valuer requests any specific documentation for e.g. planning permission. If so, then we will require copies of these documents. |
| Danske Bank | |
| Darlington Building Society | |
| Ecology Building Society | N/A |
| First Direct | No. We may, however, ask you to supply before completion, copies of the documents if we require them. |
| Fleet Mortgages | No. However, please see our requirements in 5.14.17b. |
| Foundation Home Loans | We do not require copies of any documentation before completion other than that listed in 14.2.2, although you should retain copies on your file. |
| Furness Building Society | |
| Gen H | We require all documentation listed at 14.2.2. |
| Godiva Mortgages Ltd | No |
| Halifax |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Halifax Loans Ltd | N/A |
| Hampden & Co. plc | |
| Handelsbanken | |
| Harpenden Building Society | |
| Hodge | Subject to 5.14.17b below we do not require copies of any documents before completion. |
| Hodge Equity Release | |
| HSBC UK Bank plc | No. We may, however, ask you to supply before completion, copies of the documents if we require them |
| Intelligent Finance |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Investec Bank plc | |
| ITL Mortgages | No |
| Kensington Mortgage Company Ltd |
Yes. You must share copies of documents as specified in Section 5.14.17b to Kensington Mortgage Company Ltd, New Business Operations Centre, 2nd Floor, Marlow International, Parkway, Marlow, SL7 1YL. Tel: 03444 990011 Fax: 03444 990022. |
| Kent Reliance (a trading name of OneSavings Bank plc) | |
| Keystone Property Finance | |
| Landbay Partners Limited | No. We may, however, ask you for copies of the documents if we require them post completion. All documents must be retained within your formal retention policy. |
| Leeds Building Society | Where we have not provided you any information or documentation regarding Building Safety, you can assume that no checks or further information are required. However, should you receive any documents, or the promise of any documents, in answer to questions 8.19 & 8.20 on the LPE1 Form, please contact the Society via the details provided in 1.11a. |
| Legal & General Home Finance Ltd | |
| LendInvest | No. We may, however, ask you for copies of the documents if we require them |
| LiveMore Capital | |
| Lloyds Bank plc pre fixed 20/40 |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Lloyds Bank plc pre fixed 50/30/77 |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Lloyds TSB Scotland plc |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Market Harborough Building Society | |
| Metro Bank plc | Refer to the special conditions of the mortgage offer. Any documentation requests will be noted there. |
| ModaMortgages |
You must only send us documents we tell you to. |
| Molo Finance | None |
| Mortgage Agency Services | |
| MPowered Mortgages | No |
| National Westminster Bank plc | No, subject to 5.14.17(b). |
| Nationwide Building Society |
Where we have not provided you any information or documentation regarding Building Safety, you can assume that no checks or further information are required. However, should you receive any documents, or the promise of any documents, in answer to questions 8.19 & 8.20 on the LPE1 Form then you are required to refer back to the Issuing Office with sufficient time for review prior to Exchange. Where we have identified a relevant security, we will provide to you, along with the Offer, all the documentation that we have collected through the application process which may include the following; • An Executed Leaseholder Deed of Certificate and Landlord Certificate* • Confirmation of any costs and amounts not covered by the Building Safety Fund or other Scheme (i.e. capped/non-capped charges) • Confirmation that interim fire safety measures are satisfactory • One of the following: o Confirmation from the ‘scheme provider’ that the building will be remediated under a Developer/Government/Freeholder Scheme, or o A Fire Risk Assessment of External Walls report (FRAEW) with executive summary including an indicative rating, or o An EWS1 form, or o A letter stating why none of these are available *(Where a Landlord Certificate can’t be provided, confirmation will be provided that the Responsible/Accountable Person has complied with current legislative requirements and that there are no Fire Safety Issues). Where 1 or more of the above is missing from the pack – you will be required to obtain this information from either the Sellers Solicitors (in the case of a Purchase App) or direct from the Management Company or Freeholder. And send this onto the Issuing Office when received for review, this must be done with sufficient time to allow for us to review prior to Exchange as any further information may impact our decision to lend. Please note that no exceptions will be given where information is provided to us at a late stage, thus not allowing us time for further review or questioning, therefore, this must be appropriately factored in when setting expectations with Borrowers and any onward Purchasers. All lender enquiries are to be submitted (with full documentation/requirements) at least 2 weeks prior to exchange to allow sufficient time for review and decisioning. |
| New Street Mortgages | |
| Paragon Buy to Let Mortgages | Please see our reply to 5.14.17b |
| Pepper Money | |
| Perenna | No. We may, however, ask you to supply before completion, copies of the documents if we require them. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | |
| Precise Mortgages (Charter Court Financial Services Ltd) | |
| Principality Building Society | |
| Reliance Bank Ltd | Prefer by e-mail |
| Rely Mortgages | |
| Saffron Building Society |
We have requirements for properties that have external wall systems (often generically termed cladding) that require remediation under the Building Safety Act 2022. You must tell us if you believe the valuer’s assumptions regarding any remediation works under the Building Safety Act 2022 are incorrect based on your enquiries or you believe from your enquiries that the security property has been identified as being in need of remediation If we have already obtained them, we will have sent you the following documents with the Mortgage Offer: • Written confirmation from the Developer confirming their intention to complete works required; or • A Building Safety Act 2022 Government Leaseholder Deed of Certificate Form accompanied by a Building Safety Act 2022 Landlords Certificate. This section can be disregarded where the building is less than 11m in height, or where the block of flats/apartments has less than 5 storeys or do not require any action in relation to the Building Safety Act 2022. Likewise where there are no cladding or fire safety issues present and/or where either an EWS1 form is not required, or a satisfactory EWS1 form is held. We will not accept EWS1 forms completed by A Kiziak or Tri-Fire. a) You must inform us before completion if the current owner of the property is a non-qualifying leaseholder and send us confirmation of monies known to be payable by the leaseholders for remediation works as this may result in our having to withdraw or change the mortgage offer. We will not lend where the property is an un-remediated property where fire safety works are required and leaseholders have not received notification in writing that they will not bear any costs, now or in the future or through future service charges. b) You must check the Landlord’s Certificate has been completed correctly and properly executed and where possible, that the information it contains is correct. c) If no Landlords Certificate is available, then you must satisfy yourselves that the leaseholder has followed the procedure set out in the legislation for providing the Leaseholder Deed of Certificate and that the landlord has not complied with the timeframes for providing a Landlord’s certificate and is not entitled to recover the costs of remediation. d) Where the building will be self-remediated by a developer, you must request provision of evidence confirming the commitment by the developer to fund the remediation works in full which, might take the form of: (i) a letter from the developer; or (ii) a certified copy of a developer remediation contract. e) You must ensure that the borrower understands the extent of any financial contribution they will be required to make towards the cost of remediation, the remediation status of the building and the impact of any remediation timescales. You must not complete the mortgage until you have received our further written instructions. We recommend that you report such matters before exchange of contracts because we may have to withdraw or change the mortgage offer |
| Santander UK plc | No |
| Scottish Building Society | |
| Scottish Widows Bank |
Subject to 5.14.7b below we do not require copies of any documentation before completion. After completion you must send the executed Leaseholder Certificate and confirmation that it has been submitted to the landlord by the relevant leaseholder together with any Landlord Certificate to us with any other title documents we ask for in 14.2.2. |
| Skipton Building Society |
Subject to 5.14.17b below we do not require copies of any documentation before completion. After completion, in addition to any other documents we ask for in 14.2.2, you must send to us the executed Leaseholder Deed of Certificate (with its supporting documentation) and the evidence that you have obtained to confirm it has been submitted to the landlord by the relevant leaseholder, together with any Landlord Certificate (with its supporting documentation). Please send to completions@skipton.co.uk |
| State Bank of India UK | We will require all the original legal documents sent to us within 10 working days of completion. |
| Swansea Building Society | |
| Tandem Bank | No, forward to borrower and retain a copy on your file. |
| The Mortgage Business | N/A |
| The Mortgage Works |
Where we have not provided you any information or documentation regarding Building Safety, you can assume that no checks or further information are required. However, should you receive any documents, or the promise of any documents, in answer to questions 8.19 & 8.20 on the LPE1 Form then you are required to refer back to the Issuing Office with sufficient time for review prior to Exchange Where we have identified a relevant security, we will provide to you, along with the Offer, all the documentation that we have collected through the application process which may include the following; • An Executed Leaseholder Deed of Certificate and Landlord Certificate* • Confirmation of any costs and amounts not covered by the Building Safety Fund or other Scheme (i.e. capped/non-capped charges) • Confirmation that interim fire safety measures are satisfactory • One of the following: o Confirmation from the ‘scheme provider’ that the building will be remediated under a Developer/Government/Freeholder Scheme, or o A Fire Risk Assessment of External Walls report (FRAEW) with executive summary including an indicative rating, or o An EWS1 form, or o A letter stating why none of these are available *(Where a Landlord Certificate can’t be provided, confirmation will be provided that the Responsible/Accountable Person has complied with current legislative requirements and that there are no Fire Safety Issues) Where 1 or more of the above is missing from the pack – you will be required to obtain this information from either the Sellers Solicitors (in the case of a Purchase App) or direct from the Management Company or Freeholder. And send this onto the Issuing Office when received for review, this must be done with sufficient time to allow for us to review prior to Exchange as any further information may impact our decision to lend. Where we have not provided you any information or documentation regarding Building Safety, you can assume that no checks or further information are required. However, should you receive any documents, or the promise of any documents, in answer to questions 8.19 & 8.20 on the LPE1 Form then you are required to refer back to the Issuing Office with sufficient time for review prior to Exchange. Please note that no exceptions will be given where information is provided to us at a late stage, thus not allowing us time for further review or questioning, therefore, this must be appropriately factored in when setting expectations with Borrowers and any onward Purchasers. |
| The Royal Bank of Scotland plc | No, subject to 5.14.17(b). |
| The Royal Bank of Scotland plc Direct Line Mortgages | No, subject to 5.14.17(b) |
| The Royal Bank of Scotland plc First Active | No, subject to 5.14.17(b) |
| The Royal Bank of Scotland plc Natwest one Account | No, subject to 5.14.17(b) |
| The Royal Bank of Scotland plc One Account | No, subject to 5.14.17(b) |
| The Royal Bank of Scotland plc Virgin One | No, subject to 5.14.17(b) |
| Topaz Finance Ltd | |
| TSB Bank plc | Subject to 5.14.17b below we do not require copies of any documents before completion. |
| Ulster Bank | |
| Vida Homeloans | |
| Virgin Money | No. |
| Yorkshire Bank Home Loans Ltd | No |
| Yorkshire Building Society | Subject to 5.14.7b below we do not require copies of any documentation before completion. |
| Zephyr Homeloans |