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Question: 5.5.4.2. Do you lend in these circumstances?
| Lender | Answer |
|---|---|
| Accord Mortgages Ltd |
Yes, we require our security to include the freehold reversion to the other flat as well as the leasehold flat to be occupied by the borrower. |
| Atom Bank plc | |
| Aviva Equity Release UK Ltd |
Yes |
| Bank of Ireland (UK) plc |
Yes, we require a first charge on both the leasehold and freehold interests. The lease(s) must comply with the requirements set out in 5.5.3.3. of Part 1. |
| Bank of Ireland as Bank of Ireland Mortgages |
Yes, we require a first charge on both the leasehold and freehold interests. The lease(s) must comply with the requirements set out in 5.5.3.3. of Part 1. |
| Bank of Scotland Beginning A |
Yes |
| Bank of Scotland Beginning O |
Yes |
| Barclays Bank UK PLC |
Yes, we require a first charge over the freehold and leasehold titles |
| Birmingham Midshires |
Yes. We require a mortgage of the client(s) leasehold interest in the flat occupied by the client(s). We also require a mortgage of the client(s) freehold interest in the other flat occupied by the other flat owner, subject to the other flat owner's lease. |
| Bradford & Bingley Limited |
Yes. We require a charge on both the leasehold interest of the flat to be occupied by the borrower and also the borrower's freehold reversion of the other flat. Both interests must be detailed in the Property section of our Mortgage Deed. |
| Britannia, a trading name of The Co-operative Bank plc | Yes |
| Chelsea Building Society (a trading name of Yorkshire BS) | Yes, we require our security to include the freehold reversion to the other flat as well as the leasehold flat to be occupied by the borrower. |
| CHL Mortgages |
Yes, we only require a charge over the leasehold title owned by the borrower, we do not require a charge over the freehold title |
| Co-operative Bank plc | We will require a charge over the leasehold interest occupied by our borrower(s) and a charge over the freehold reversion they hold in the other flat. |
| Coventry Building Society | Yes. |
| Danske Bank |
No. We do not lend in these circumstances. |
| DB UK Bank Ltd |
Yes, please refer individual cases to: db mortgages, PO BOX 963 Warrington, WA4 9BZ Tel: 0845 0522280 DX Address db mortgages DX 742510 Warrington 10 |
| Ecology Building Society |
Yes |
| First Direct | Yes, we do accept this type of security. We require a charge over both the freehold reversion and leasehold titles owned by the depositor |
| First Trust Bank | Yes, we require our security to include the freehold reversion to the other flat as well as the leasehold flat to be occupied by the borrower. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes. |
| Halifax |
Yes. We require a mortgage of the borrower's leasehold interest in the flat occupied by the borrower. We also require a mortgage of the borrower's freehold interest in the other flat occupied by the other flat owner, subject to the other flat owner's leas We also require a mortgage of the borrower's freehold interest in the other flat occupied by the other flat owner, subject to the other flat owner's lease. |
| Halifax Loans Ltd |
Yes. We require a mortgage of the borrower's leasehold interest in the flat occupied by the borrower. We also require a mortgage of the borrower's freehold interest in the other flat occupied by the other flat owner, subject to the other flat owner's lease. We also require a mortgage of the borrower's freehold interest in the other flat occupied by the other flat owner, subject to the other flat owner's lease. |
| Hampden & Co. plc | |
| HSBC UK Bank plc | Yes, we do accept this type of security. We require a charge over both the freehold reversion and leasehold titles owned by the depositor |
| HSMS |
Yes. We require a charge on both the leasehold interest of the flat to be occupied by the borrower and also the borrower's freehold reversion of the other flat. Both interests must be detailed in the Property section of our Mortgage Deed. |
| Intelligent Finance | Yes. We require a mortgage of the borrower's leasehold interest in the flat occupied by the borrower. We also require a mortgage of the borrower's freehold interest in the other flat occupied by the other flat owner, subject to the other flat owner's lease. |
| ITL Mortgages | Yes. |
| Kensington Mortgage Company Ltd | Yes, we will require a first legal charge over the freehold and leasehold title where an applicant holds any proprietary interest in the freehold title. |
| Landmark Mortgages Limited |
Yes, provided that both interests owned by the borrower are charged to us. |
| Leeds Building Society | Yes. |
| Lloyds Bank plc | Yes. |
| Lloyds TSB Scotland plc | N/A |
| M&S Bank | Yes, we do accept this type of security. We require a charge over both the freehold reversion and leasehold titles owned by the depositor |
| Mortgage Express |
Yes. We require a charge on both the leasehold interest of the flat to be occupied by the borrower and also the borrower's freehold reversion of the other flat. Both interests must be detailed in the Property section of our Mortgage Deed. |
| Mortgage Express (No 2) |
Yes. We require a charge on both the leasehold interest of the flat to be occupied by the borrower and also the borrower's freehold reversion of the other flat. Both interests must be detailed in the Property section of our Mortgage Deed. |
| National Westminster Bank plc | Yes |
| Nationwide Building Society |
Yes - see 5.10 for our requirements for leasehold securities |
| New Street Mortgages | Yes, we must have a mortgage over the leasehold interest of our security. We do not require a mortgage over the borrower's share of freehold. |
| NRAM Ltd | Yes, provided that both interests owned by the borrower are charged to us. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | No |
| Rooftop Mortgages Ltd |
Please refer the property specific details to the address shown on the mortgage offer |
| Sainsbury's Bank | No. |
| Santander UK plc | Yes. |
| Scottish Widows Bank | Yes. |
| The Mortgage Business |
Yes |
| The Royal Bank of Scotland plc |
Yes. |
| TSB Bank plc | N/A |
| UCB Home Loans Corporation Ltd |
Yes, see 5.10 for our requirements for Leasehold Securities. |
| Ulster Bank |
Yes |
| Virgin Money | Yes, so long as both interests owned/to be owned by the borrower are charged to us. |
| Yorkshire Building Society |
Yes, we require our security to include the freehold reversion to the other flat as well as the leasehold flat to be occupied by the borrower. |