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Question: 7.3. Do you require a consent to mortgage from all occupants aged 17 or over?
| Lender | Answer |
|---|---|
| Accord Mortgages Ltd |
Yes ? the consent form is incorporated within Accord Mortgages' Mortgage Deed (ACCL 0002 NI). |
| Atom Bank plc |
A letter of consent is not required for: a) full time students living away from home; A letter of consent will be required for: a) any occupants aged 17 years or over; b) an occupant who has turned 17 after the legal charge has been signed, at the time additional borrowing is being taken; c) when the customer is a borrower but not a depositor d) anyone who may have a financial interest in the property. Execution should be arranged by the conveyancer and stored with the deeds to the property. |
| Aviva Equity Release UK Ltd |
Yes |
| Bank of Ireland (UK) plc |
Yes, save in cases when the borrower has received a Buy to Let offer where there is an existing tenant in the property and the tenancy satisfies the Offer Conditions. In such cases, we will not require the tenant to sign a consent to mortgage. |
| Bank of Ireland as Bank of Ireland Mortgages |
Yes, save in cases when the borrower has received a Buy to Let offer where there is an existing tenant in the property and the tenancy satisfies the Offer Conditions. In such cases, we will not require the tenant to sign a consent to mortgage. |
| Bank of Scotland Beginning A |
Yes, Occupiers Postponement Form required for all occupants not party to title and who have not signed an Assured Shorthold Tenancy. |
| Bank of Scotland Beginning O |
Yes, Occupiers Postponement Form required for all occupants not party to title and who have not signed an Assured Shorthold Tenancy. |
| Barclays Bank UK PLC |
Yes |
| Birmingham Midshires |
Yes, except any sons or daughters of the borrower, or any sons or daughters of someone living with the borrower, who are over 17. |
| Bradford & Bingley Limited |
Yes |
| Britannia, a trading name of The Co-operative Bank plc |
Yes, please use our standard Agreement and Undertaking form |
| Chelsea Building Society (a trading name of Yorkshire BS) | Yes - the consent form is incorporated within our Mortgage Deed (CHEL 0002 NI). |
| CHL Mortgages |
Yes, other than on Buy to Let properties where an approved tenancy agreement is in place |
| Co-operative Bank plc | Yes. Please enquire of borrower(s) and obtain full details and consent from all occupiers. |
| Coventry Building Society | Yes. |
| Danske Bank |
Yes. If we are aware of the identity of any person(s) (other than the borrower(s)) who will be occupying the property after completion of the mortgage then such person(s) will be listed in the special conditions of the mortgage offer and you should refer to the special conditions for further instruction. You should also ask the borrower(s) for confirmation that the information, if any, about occupants given in our special conditions is correct. If it comes to your attention that any person aged 17 or over (other than the borrower(s)) will be in occupation of the property after completion of our mortgage or that any other person has or may have a legal or equitable or financial interest in the property and as such if they are not listed in the special conditions then you must inform us immediately. Where we are on notice that a third party has provided funds to the borrower which will be used by the borrower to part fund the purchase of the property we will advise you what steps you need to take in the special conditions. If it comes to your attention that any third party not referred to in the special conditions is making any such contribution then you must report this matter to us and await further instruction. In all cases you must be satisfied that the third party will not acquire any interest in the property on foot of the contribution (e.g. the contribution is an absolute gift without condition to the borrower). |
| DB UK Bank Ltd | Yes |
| Ecology Building Society |
Yes |
| First Direct |
A letter of consent is not required for full time students living away from home. A letter of consent will be required for:- a) any occupants who will be aged 17 or over at the date of completion; b) anyone who may have a financial interest in the property. Homes for Ukraine Scheme: a Letter of Consent and Postponement by Deed is not required for any occupant/s who will be resident in the property under this scheme and you are not required to notify us that the customer is or intends to participate as a sponsor in this scheme. Customers should be directed to the first direct web site for the most up to date requirements on the Home for Ukraine Scheme. |
| First Trust Bank | Yes |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes. |
| Halifax | Yes, except any sons or daughters of the borrower, or any sons or daughters of someone living with the borrower, who are over 17. |
| Halifax Loans Ltd | Yes, except any sons or daughters of the borrower, or any sons or daughters of someone living with the borrower, who are over 17. |
| Hampden & Co. plc | |
| HSBC UK Bank plc |
A letter of consent is not required for full time students living away from home. A letter of consent will be required for:- a) any occupants aged 17 years or over at the date of completion; b) anyone who may have a financial interest in the property. Homes for Ukraine Scheme: a Letter of Consent and Postponement by Deed is not required for any occupant/s who will be resident in the property under this scheme and you are not required to notify us that the customer is or intends to participate as a sponsor in this scheme. Customers should be directed to the HSBC web site for the most up to date requirements on the Home for Ukraine Scheme. |
| HSMS | |
| Intelligent Finance | Yes, except any sons or daughters of the borrower, or any sons or daughters of someone living with the borrower, who are over 17. |
| ITL Mortgages | Yes. |
| Kensington Mortgage Company Ltd | Yes (on our standard form) unless the offer states otherwise. The original Occupier’s Deed of Consent is required. To be forwarded to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU following completion. |
| Landmark Mortgages Limited |
Our pro-forma must be used and sent direct to the occupier. Under no circumstances should the form be sent to the borrower. You must advise us of any situation where you believe that the pro-forma will not adequately protect our interest in the property. |
| Leeds Building Society |
Yes, use our standard form of consent. |
| Lloyds Bank plc | Yes. |
| Lloyds TSB Scotland plc | Yes |
| M&S Bank |
A letter of consent is not required for:- a) full time students living away from home A letter of consent will be required for:- a) any occupants aged 17 years or over; b) an occupant who has turned 17 after the legal charge has been signed, at the time additional borrowing is being taken c) when the customer is a borrower but not a depositor; and d) anyone who may have a financial interest in the property |
| Mortgage Express |
Yes |
| Mortgage Express (No 2) |
Yes |
| National Westminster Bank plc | Consents are required from all occupants of the property aged 17 years and over, except children of the Borrower under the age of 26 years. |
| Nationwide Building Society | Yes |
| New Street Mortgages | Yes, via our standard form. |
| NRAM Ltd |
Our pro-forma must be used and sent direct to the occupier. Under no circumstances should the form be sent to the borrower. You must advise us of any situation where you believe that the pro-forma will not adequately protect our interest in the property. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Yes, please enquire of borrower(s) and obtain full details and consent from all occupiers |
| Rooftop Mortgages Ltd |
Yes |
| Sainsbury's Bank | Yes, unless the occupier is a child/stepchild of the borrower who is aged between 17 and 25 and in full time education at the time of the loan/additional borrowing completes. |
| Santander UK plc | Yes. |
| Scottish Widows Bank | Yes. |
| The Mortgage Business |
Yes |
| The Royal Bank of Scotland plc |
Consents are required from all occupants of the property aged 17 years and over, except children of the Borrower under the age of 26 years. |
| TSB Bank plc | Yes |
| UCB Home Loans Corporation Ltd |
Yes. |
| Ulster Bank |
Consents are required from all occupants of the property aged 17 years and over, except children of the Borrower under the age of 26 years. |
| Virgin Money |
Yes, our standard Letter of Consent and Postponement must be signed by the occupier. The letter must be sent direct to the occupier. Please, don't send it to the borrower. If you believe our standard Letter of Consent and Postponement won't protect us, you must let us know. |
| Yorkshire Building Society |
Yes ? the consent is incorporated into the Society?s Mortgage Deed (LF 0002 NI). |