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Question: 1.13. May my firm act if the person dealing with the transaction or a member of his immediate family is the borrower?
| Lender | Answer |
|---|---|
| Accord Mortgages Ltd |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family. |
| Atom Bank plc | Yes, provided the firm is a partnership, a separate partner to the firm (who is not related to the seller) acts for us, there is no conflict of interest and you are acting within your professional guidelines. |
| Aviva Equity Release UK Ltd |
Yes |
| Bank of Ireland (UK) plc |
Yes, providing that your firm is a partnership and the transaction is dealt with by a partner who is not related to the borrower. Otherwise, your firm may not act in these circumstances. |
| Bank of Ireland as Bank of Ireland Mortgages |
Yes, providing that your firm is a partnership and the transaction is dealt with by a partner who is not related to the borrower. Otherwise, your firm may not act in these circumstances. |
| Bank of Scotland Beginning A |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us |
| Bank of Scotland Beginning O |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us |
| Barclays Bank UK PLC |
Yes in the circumstances described in Part 1 of the Handbook provided there is no conflict of interest. |
| Birmingham Midshires |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. Please note if the person dealing is the seller or a member of the seller's immediate family your firm may only act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Bradford & Bingley Limited |
Your firm may only act if a separate fee earner or partner within the firms acts for us. |
| Britannia, a trading name of The Co-operative Bank plc |
Yes, in the circumstances outlined in Part 1 and subject to our consent in writing |
| Chelsea Building Society (a trading name of Yorkshire BS) |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family. |
| CHL Mortgages | No |
| Co-operative Bank plc |
No. |
| Coventry Building Society | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Danske Bank |
Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| DB UK Bank Ltd | NO, however, your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Ecology Building Society | No |
| First Direct | Yes, provided a separate partner to the firm (who is not related to the borrower) acts for us, there is no conflict of interest and you are acting within your professional guidelines |
| First Trust Bank |
No |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Halifax | Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Halifax Loans Ltd | Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Hampden & Co. plc | |
| HSBC UK Bank plc | Yes, provided a separate partner to the firm (who is not related to the borrower) acts for us, there is no conflict of interest and you are acting within your professional guidelines |
| HSMS |
Your firm may only act if a separate fee earner or partner within the firm acts for us. |
| Intelligent Finance | Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| ITL Mortgages | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Kensington Mortgage Company Ltd | Your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. Otherwise, your firm may not act in these circumstances. |
| Landmark Mortgages Limited |
No. Your firm may not act in transactions in which the borrower is a partner or employee of the firm or a member of his immediate family. |
| Leeds Building Society |
Yes, provided that: • a different person deals with the conveyance (i.e. not the borrower); • there is no conflict of interest and none arises during the transaction; and • the Law Society guidelines are followed. |
| Lloyds Bank plc | Yes, subject to 1.12 |
| Lloyds TSB Scotland plc | Yes, subject to 1.13 |
| M&S Bank | Yes provided a separate partner in the firm (who is not related to the borrower) acts for us, there is no conflict of interest and you are acting within your professional rules |
| Mortgage Express |
Your firm may only act if a separate fee earner or partner within the firm acts for us. |
| Mortgage Express (No 2) |
Your firm may only act if a separate fee earner or partner within the firm acts for us. |
| National Westminster Bank plc | No. However your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. |
| Nationwide Building Society |
Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| New Street Mortgages | No, the case must be passed to another solicitor at your firm (not under your supervision), or if none are available the instruction declined. |
| NRAM Ltd | No. Your firm may not act in transactions in which the borrower is a partner or employee of the firm of a member of his immediate family. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
No |
| Rooftop Mortgages Ltd |
Please contact the lender |
| Sainsbury's Bank | We may allow your firm to act where a separate fee earner of no less standing or a partner within the firm acts. Please contact us at Sainsbury’s Bank Mortgage Team, Solar House, 7 Admiral Way, Doxford International Business Park, Sunderland, SR3 3XW, UK for confirmation. |
| Santander UK plc | Yes, provided that a separate fee earner ( acting under the supervision of another partner) acts; there is no conflict of interest and your professional guidelines are followed. |
| Scottish Widows Bank | Yes, provided a separate partner within the firm acts on our behalf. |
| The Mortgage Business |
No, however your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| The Royal Bank of Scotland plc |
No. Your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. |
| TSB Bank plc | Yes, subject to 1.13 |
| UCB Home Loans Corporation Ltd | We do not agree that your firm can act in these situations |
| Ulster Bank |
No. Your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. |
| Virgin Money | No and you must tell us immediately. |
| Yorkshire Building Society |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the borrower or a member of the borrower's immediate family |