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Question: 6.9.2. Who will you release any retentions (or instalments of the advance) to?

Lender Answer
Accord Mortgages Ltd Any retention will be released to the borrower, unless we have written authority from the borrower to release it elsewhere. Instalments of the advance will be released to you.
Atom Bank plc Retentions will usually be released to the borrowers solicitors although we will consider releasing directly to the borrower in certain circumstances. If the mortgage is in arrears or default, the retention will not be released.
Aviva Equity Release UK Ltd We do not make retentions
Bank of Ireland (UK) plc Normally to you, the Conveyancer. If you have already submitted the title deeds to us then we will release any retention to the borrower.
Bank of Ireland as Bank of Ireland Mortgages Normally to you, the Conveyancer. If you have already submitted the title deeds to us then we will release any retention to the borrower.
Bank of Scotland Beginning A Nominated solicitor or borrower
Bank of Scotland Beginning O Nominated solicitor or borrower
Barclays Bank UK PLC Borrower/Conveyancer depending on circumstances
Birmingham Midshires Funds will be released to the borrower.
Bradford & Bingley Limited New Advances - Retention to you or borrower. Instalments to you or borrower on request. Further Advances - to you or borrower.
Britannia, a trading name of The Co-operative Bank plc Direct to the borrower
Chelsea Building Society (a trading name of Yorkshire BS) Any retention will be released to the borrower, unless we have written authority from the borrower to release it elsewhere. Instalments of the advance will be released to you.
CHL Mortgages Usually to the borrower directly
Co-operative Bank plc Direct to the borrower(s), unless otherwise stated in the Mortgage Offer.
Coventry Building Society First instalment to Society's Solicitor. Subsequent releases to the borrower.
Danske Bank The solicitor
DB UK Bank Ltd Borrower or Solicitor as stated in the Mortgage Offer
Ecology Building Society Borrower
First Direct Any retention will be released to the borrower unless otherwise instructed. We do not offer instalment mortgages
First Trust Bank Retentions and advances will be released to the Solicitor
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd First instalment to Company's Solicitor. Subsequent release to the borrower.
Halifax Funds will be released to the borrower.
Halifax Loans Ltd Borrower.
Hampden & Co. plc  
HSBC UK Bank plc Any retention will be released to the borrower unless otherwise instructed. We do not offer instalment mortgages
HSMS New Advances - Retention to you or borrower. Instalments to you or borrower on request.
Further Advances - to you or borrower.
Intelligent Finance Borrower.
ITL Mortgages First instalment to Company's Solicitor. Subsequent release to the borrower.
Kensington Mortgage Company Ltd N/A. Kensington will not hold retentions or release funds in stages.
Landmark Mortgages Limited Solicitor/Licensed Conveyancer only.
Leeds Building Society The borrower (see Special Conditions for instalments in the mortgage offer).
Lloyds Bank plc Not applcable.
Lloyds TSB Scotland plc Not applicable
M&S Bank we do not offer retentions or instalment mortgages
Mortgage Express New Advances - Retention to you or borrower. Instalments to you or borrower on request. Further Advances - to you or borrower.
Mortgage Express (No 2) New Advances - Retention to you or borrower. Instalments to you or borrower on request. Further Advances - to you or borrower.
National Westminster Bank plc The Borrower (unless written instructions are received from the Borrower to release the retention monies to a third party).
Nationwide Building Society Borrower(s)
New Street Mortgages N/A. New Street will not hold retentions or release funds in stages.
NRAM Ltd Solicitor/Licenses Conveyancer only.
Platform (a trading name of The Co-operative Bank p.l.c.) The borrower(s) unless otherwise stated in mortgage offer
Rooftop Mortgages Ltd The borrower, unless directed by the borrower to send to you
Sainsbury's Bank The borrower or conveyancer depending on the circumstances.
Santander UK plc The Borrower.
Scottish Widows Bank The solicitor acting on our behalf.
The Mortgage Business Borrower or conveyancer (as specified in the mortgage Offer)
The Royal Bank of Scotland plc The Borrower (unless written instructions are received from the Borrower to release the retention monies to a third party).
TSB Bank plc Not applicable
UCB Home Loans Corporation Ltd The Borrower(s)
Ulster Bank The Borrower (unless written instructions are received from the Borrower to release the retention monies to a third party)
Virgin Money The Law Firm only.
Yorkshire Building Society Any retention will be released to the borrower, unless we have written authority from the borrower to release it elsewhere. Instalments of the advance will be released to you.