Answers for England and Wales

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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 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.
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 No
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  
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.
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
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 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)  
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  
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.
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  
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.
Paragon Buy to Let Mortgages Please see our reply to 5.14.17b
Pepper Money  
Pepper Money (PUK)  
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  
Saffron Building Society  
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  
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)
TSB Bank plc Subject to 5.14.17b below we do not require copies of any documents before completion.
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