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Question: 6.6.4. Will you accept monitoring by a professional consultant?
| Lender | Answer |
|---|---|
| Accord Mortgages Ltd |
Yes, provided any certificate given by a professional consultant meets the requirements of 6.6.4 and the appendix to the Handbook. We do not have our own form of certificate. |
| Atom Bank plc |
This will depend upon the individual circumstances and you should contact us to discuss this. Please raise a query via Secure Link which is accessed through Conveyancer Zone and the panel membership dashboard, or contact us via telephone at 03333 990055, or via email at conveyancing@digitalmortgages.net. |
| Aviva Equity Release UK Ltd | Yes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance of at least £1 million and the professional consultant has provided the Professional Consultant’s Certificate in the format set by the CML. A retrospective Professional Consultant's Certificate will not be accepted |
| Bank of Ireland (UK) plc |
Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.6.4 & 6.6.5 and in the form of Appendix 1) is provided. |
| Bank of Ireland as Bank of Ireland Mortgages |
Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.6.4 & 6.6.5 and in the form of Appendix 1) is provided. |
| Bank of Scotland Beginning A |
Yes provided there are no more than 15 properties on the develoment site |
| Bank of Scotland Beginning O |
Yes provided there are no more than 15 properties on the develoment site |
| Barclays Bank UK PLC | Yes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance and the professional consultant has provided the Professional Consultant’s Certificate in the format set by UKF. |
| Birmingham Midshires |
Yes, provided this complies with the provisions set out under Section 6.6.4, 6.6.5 and 6.6.6 Part 1 and there are no more than 15 properties on the development site. |
| Bradford & Bingley Limited |
Yes |
| Britannia, a trading name of The Co-operative Bank plc |
Yes, if suitable qualification is held (see part 1) |
| Chelsea Building Society (a trading name of Yorkshire BS) | Yes, provided any certificate given by a professional consultant meets the requirements of 6.6.4 and the appendix to the Handbook. We do not have our own form of certificate. |
| CHL Mortgages |
Yes |
| Co-operative Bank plc | Yes, if suitable qualification is held (see Part 1) and it complies with the requirements of section 6 of the Lenders' Handbook. |
| Coventry Building Society | Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old). |
| Danske Bank | Yes, where the property is situated in a new development of up to six units, the Bank will accept a valid Professional Consultants Certificate in place of a warranty. The Certificate must follow the format provided for in the appendix to this Handbook and indemnity cover should be verified by the solicitor as specified. |
| DB UK Bank Ltd |
Architects registered with the ARCUK (Architects Registration Council of the UK) or Architectural Technologists (BIAT qualified). The solicitor must ensure that appropriate professional indemnity insurance is in place. The following minimum limits of indemnity must be maintained: £250,000 where the gross fee income of the practice in the last financial year was less than £100,000. £500,000 where the gross fee income of the practice in the last financial year was between £100,000 and £200,000. £1,000,000 where the gross fee income of the practice in the last financial year exceeded £200,000. |
| Ecology Building Society |
Yes |
| First Direct |
Yes if an appropriate Professional Consultant's Certificate (PCC) is available (complying with the requirements set out in parts 6.6.4 & 6.6.5) and the conditions below are met. A PCC is only acceptable for newly built homes within: a) A development of no more than 10 properties. b) If the property is a flat or maisonette, a PCC must be available for the common parts and the structure of the building if these are part of the new build/conversion works. Please note: • Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable. • The Professional Consultant’s Certificate (PCC) must be in the format set by UKF with no changes from the standard template. If the PCC is issued by a Warranty provider they must be on the approved list of new home warranty schemes in section 6.6.1 |
| First Trust Bank |
We will accept the following Professional Consultants Certificates: • The Institute of Structural Engineers (F.I.Struct.E or M.I.Struct.E) • Chartered Institute of Building (FCIOB, MCIOB) to maximum project cost £250k • Association of Building Engineers (FB.Eng or MB.Eng) • Chartered Institute of Architectural Technologists (MCIAT) to maximum project cost £250k • Architects Registration Board (ARB) including RIBA • Royal Institute of Architects in Ireland (R.I.A.I.) |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old). |
| Halifax | Yes, provided there are no more than 15 properties on the develoment site. |
| Halifax Loans Ltd | Yes. |
| Hampden & Co. plc | |
| HSBC UK Bank plc |
Yes if an appropriate Professional Consultant's Certificate (PCC) is available (complying with the requirements set out in parts 6.6.4 & 6.6.5) and the conditions below are met. A PCC is only acceptable for newly built homes within: a) A development of no more than 10 properties. b) If the property is a flat or maisonette, a PCC must be available for the common parts and the structure of the building if these are part of the new build/conversion works. Please note: • Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable. • The Professional Consultant’s Certificate (PCC) must be in the format set by UKF with no changes from the standard template. If the PCC is issued by a Warranty provider they must be on the approved list of new home warranty schemes in section 6.6.1 |
| HSMS | As 1.10a |
| Intelligent Finance | None, please forward to the borrower. |
| ITL Mortgages |
Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old). |
| Kensington Mortgage Company Ltd | Yes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance and the professional consultant has provided the Professional Consultant’s Certificate in the format set by the CML. |
| Landmark Mortgages Limited | Yes |
| Leeds Building Society | Yes. |
| Lloyds Bank plc | Yes. |
| Lloyds TSB Scotland plc | Please refer to Mortgage Processing. Please see 1.10a |
| M&S Bank | no |
| Mortgage Express |
Yes |
| Mortgage Express (No 2) |
Yes |
| National Westminster Bank plc | Yes |
| Nationwide Building Society |
Yes if an appropriate Professional Consultant's Certificate (PCC) is available. A PCC is only acceptable for newly built homes within a) A development of no more than 10 units b) A continuous structure (for example, a row of terrace houses or block of flats) of no more than 4 units within the structure. Please note a PCC is also required for newly converted or recently significantly altered or refurbished homes. Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable. A PCC is not required if the property, conversion or significant alteration/refurbishment is over 5 years old. |
| New Street Mortgages | Yes. |
| NRAM Ltd | Yes |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Refer to office issuing mortgage instructions. |
| Rooftop Mortgages Ltd |
Please contact the lender |
| Sainsbury's Bank | Yes, where the property has been built/converted within the last 6 years, if the Professional Consultants Certificate complies with the requirements of Section 6 of the Lenders Handbook. Certification to be accompanied by evidence of professional indemnity cover. |
| Santander UK plc |
We will only accept properties which have been supervised by professionals who hold one or more of the qualifications listed under Part 1, with the exception of fellow or member of the Architecture and Surveying Institute (FASI or MASI). Where the professional has not supervised construction from the start the PCC will not be acceptable. The PCC must be in the format provided in the appendix to the UKF Handbook – no amendments to the wording of the template are acceptable. PCCs are only acceptable for single properties or small developments of up to 10 units. Where our security comprises of a flat in a converted property of no more than 4 units, but the warranty cannot be provided, this is acceptable provided there are planning and building regulation approvals, a Completion Certificate is available and provided that all our other requirements stated in the Handbook can be met. |
| Scottish Widows Bank | Yes. |
| The Mortgage Business |
Yes provided there are no more than 15 properties on the develoment site. |
| The Royal Bank of Scotland plc |
Yes. |
| TSB Bank plc | Please refer to Mortgage Processing. Please see 1.10a.Please note if the development contains more than 15 units an acceptable warranty as referenced in 6.6.1 must be provided. |
| UCB Home Loans Corporation Ltd |
Yes. |
| Ulster Bank |
Yes |
| Virgin Money |
Yes, if the if the following criteria are met: • the property is a one-off house or a flat in a converted house, we won’t lend if the property is part of a new build estate or a new build block of flats; and • a Professional Consultant’s Certificate must be available upon completion. That certificate must meet the requirements set out alongside this Handbook on the UK Finance’s website. The supervision and the inspections required by the Professional Consultant Certificate must not be done retrospectively. We will not accept a Professional Consultant Certificate issued by a new home warranty provider unless that new home warranty provider is on our approve list contained in section 6.7.1 [6.6.1] of this Handbook. |
| Yorkshire Building Society |
Yes, provided any certificate given by a professional consultant meets the requirements of 6.6.4 and the appendix to the Handbook. We do not have our own form of certificate. |