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Question: 6.7.1. Contact point if no agreement and bond for an unadopted road or sewer?
| Lender | Answer |
|---|---|
| Accord Mortgages Ltd |
We do not insist on any such agreement and bond being in place at completion nor on you making a retention and so we do not need to be made aware of such circumstances. You, however, should ensure all applicants are aware of their potential liability. |
| Atom Bank plc | 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 |
See 1.10 |
| Bank of Ireland (UK) plc | See 1.10. |
| Bank of Ireland as Bank of Ireland Mortgages | See 1.10. |
| Bank of Scotland Beginning A |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Bank of Scotland Beginning O |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Barclays Bank UK PLC |
Issuing Office Where roads and sewers on a new development are not yet adopted, this will be acceptable and does not need to be reported to us where plans are in place for future adoption once the development is complete or, there is provision for the establishment of a management company responsible for the ongoing repair and maintenance obligations. |
| Birmingham Midshires |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Bradford & Bingley Limited |
As 1.10a |
| Britannia, a trading name of The Co-operative Bank plc |
Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending Britannia DX16351 Leek Telephone and fax Numbers as shown on the letter enclosing the Offer of Advance |
| Chelsea Building Society (a trading name of Yorkshire BS) | We do not insist on such agreement and bond being in place at completion nor on you making a retention and so we do not need to be made aware of such circumstances. You, however, should ensure all applicants are aware of their potential liability. |
| CHL Mortgages | Customer Services, Capital Home Loans Ltd, Admiral House, Harlington Way, Fleet, Hants GU51 4YA |
| Co-operative Bank plc | See 1.10a earlier. |
| Coventry Building Society | CBS Instructing Office. |
| Danske Bank |
You must confirm that the roads and sewers immediately serving the Property have been adopted, or alternatively that they are covered by a suitable agreement and bond. Roads: If the Property is in a development and the road fronting the Property is not or will not be adopted then you must report this to the Bank via the contact details 1.11a. We will require confirmation that there is no breach of any statutory requirement in respect of the roadway, that adequate rights of way are in place for access to and from the Property, the road has been or will be made up to an acceptable standard prior to completion and that there are suitable arrangements for the repair and maintenance of the road. The Bank may seek further information from you or the Borrower and may also refer to the Bank’s valuer where appropriate. You should ensure the Borrower is aware of their potential liability for repair and maintenance costs. Sewers: You must confirm that the sewers serving the Property have been adopted, or alternatively that they are covered by a suitable agreement and bond. If the sewers will not be adopted we will require confirmation that the sewage system is fully functional, there are suitable arrangements for the repair and maintenance of the system and that there have been no disputes regarding servicing and maintenance of the system. Septic Tanks: The Consent to Discharge of Effluent for any septic tank serving the property should be obtained and placed with the documents of title. If the Consent has not be obtained you should refer the matter to the Bank enclosing a map of the property indicating the site of the septic tank and soakaway and advise us of the steps taken to rectify the matter. |
| DB UK Bank Ltd |
db mortgages PO Box 890 Newport NP20 9LZ Tel: 0845 650 6281 DX Address - not available |
| Ecology Building Society |
As in 1.10 |
| First Direct |
Where roads and sewers on a new development are yet to be adopted, this will be acceptable providing there are plans in place for future adoption when the development is completed or where a management company or local residents will be responsible. We do not insist on an agreement or bond and do not require you to hold a retention. However, you should ensure all applicants are aware of and accept their potential liability. Second hand properties where the development is not yet completed – If the roads or sewers are currently un-adopted the vendor must confirm the current arrangements are working and that there have been no disputes regarding servicing and maintenance of the system, and details of any demand for payment and/or costs incurred are shared with the customer(s). Where roads or sewers are not adopted or managed we can only proceed if: There are no current disputes, the applicants are aware of their potential liability, appropriate rights of way and enforceable maintenance rights exist, and details of any demand for payment and/or costs incurred are shared with the customer(s). |
| First Trust Bank |
Mortgage Business Team AIB NI 92 Ann Street Belfast BT1 3HH Telephone no 0345 600 5925 Mortgage.completions@aib.ie |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | GML Instructing Office. |
| Halifax | If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Halifax Loans Ltd | If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| Hampden & Co. plc | |
| HSBC UK Bank plc |
Where roads and sewers on a new development are yet to be adopted, this will be acceptable providing there are plans in place for future adoption when the development is completed or where a management company or local residents will be responsible. We do not insist on an agreement or bond and do not require you to hold a retention. However, you should ensure all applicants are aware of and accept their potential liability. Second hand properties where the development is not yet completed – If the roads or sewers are currently un-adopted the vendor must confirm the current arrangements are working and that there have been no disputes regarding servicing and maintenance of the system, and details of any demand for payment and/or costs incurred are shared with the customer(s). Where roads or sewers are not adopted or managed we can only proceed if: There are no current disputes, the applicants are aware of their potential liability, appropriate rights of way and enforceable maintenance rights exist, and details of any demand for payment and/or costs incurred are shared with the customer(s). |
| HSMS |
As 1.10a |
| Intelligent Finance |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| ITL Mortgages | ITL Instructing Office. |
| Kensington Mortgage Company Ltd |
Where roads and sewers on a new development are not yet adopted, this will be acceptable and does not need to be reported to us where plans are in place for future adoption once the development is complete or, there is provision for the establishment of a management company responsible for the ongoing repair and maintenance obligations. You should ensure all applicants are aware of and accept their potential liability. However, if there are no plans to obtain a bond/agreement in the future, please advise so that we can refer back to our valuer for their comments. |
| Landmark Mortgages Limited |
Accepted provided that there is a firm intention to adopt and the development is subject to NHBC or Zurich Municipal. In all other cases refer to: New Mortgage Completions Landmark Mortgages PO Box 656 Durham DH1 9LY Tel - 0330 159 7152 |
| Leeds Building Society | As per 1.10a. |
| Lloyds Bank plc |
You have our authority to negotiate a retention up to £1000. If not appropriate, report to Mortgage Processing. Please see 1.10. |
| Lloyds TSB Scotland plc | If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| M&S Bank | M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322 |
| Mortgage Express |
As 1.10a |
| Mortgage Express (No 2) |
As 1.10a |
| National Westminster Bank plc | As detailed above in 1.10 |
| Nationwide Building Society |
Newly built properties – we do not insist on any such agreement and bond being in place nor on you making a retention providing the roads and sewers are to be adopted eventually or managed by local residents or a management company and so we do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of their potential liability. Second hand properties where the development is not yet completed – see above. If the roads or sewers are currently un-adopted the vendor must confirm the system is currently working and there have been no disputes regarding servicing and maintenance of the system. Second hand properties – whether managed by either local residents or a management company or not, all applicants must be made aware of the practicalities of the situation and of their future liabilities/potential liabilities, we do not need to be advised of the situation. For un-adopted sewers the vendor must confirm the system is currently working and there have been no disputes regarding servicing and maintenance of the system. Where roads or sewers are not managed we can only proceed if: - Appropriate rights of way exist - The applicants are aware of their potential liability - Fully enforceable maintenance rights exist - There are no current disputes |
| New Street Mortgages | New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW. Tel: 0333-300-3100, Fax: 0333-300-3132, email: enquiries@newstreetmortgages.com |
| NRAM Ltd | As 1.10a |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Refer to office issuing mortgage instructions. |
| Rooftop Mortgages Ltd |
The address and contact details shown on the mortgage offer |
| Sainsbury's Bank | Contact point as detailed in 1.10a |
| Santander UK plc |
Only refer to the Mortgage Operations office instructing you in circumstances where: (i) the Developer has refused to covenant to complete/maintain the road/sewer pending adoption; or (ii) the sale is a private sale; or (iii) the loan-to-value is greater than 85% and the Developer does not have a full quote on the London Stock Exchange or is not a wholly owned subsidiary of such a company |
| Scottish Widows Bank | If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| The Mortgage Business |
If the bond/agreement is not granted prior to completion or is to be managed by local residents or a management company (see 6.8.4 part 1 details) we will not insist upon a retention and do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of and accept their potential liability. |
| The Royal Bank of Scotland plc |
As detailed above in 1.10. |
| TSB Bank plc | You have our authority to negotiate a retention up to £1000. If not appropriate, report to Mortgage Processing. Please 1.10a |
| UCB Home Loans Corporation Ltd |
See 1.10 |
| Ulster Bank |
As detailed above in 1.10 |
| Virgin Money |
If there is a firm intention to adopt and the development is covered by NHBC, we're happy to lend and there is no need for you to let us know. Otherwise, send details to: Mortgage Processing Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL or DX 60350 Gosforth Solicitors Helpline: 0845 604 4858 |
| Yorkshire Building Society |
We do not insist on such agreement and bond being in place at completion nor on you making a retention and so we do not need to be made aware of such circumstances. You, however, should ensure all applicants are aware of their potential liability. |