Back to previous page
Question: 5.3.2. Does the lender require certificates of lawful use or development/established use certificates?
| Lender | Answer |
|---|---|
| Accord Mortgages Ltd |
Yes, to be sent with the deeds after completion. |
| Atom Bank plc | No, unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. |
| Aviva Equity Release UK Ltd |
No |
| Bank of Ireland (UK) plc |
No. |
| Bank of Ireland as Bank of Ireland Mortgages |
No. |
| Bank of Scotland Beginning A |
No, please forward to the borrower. |
| Bank of Scotland Beginning O |
No, please forward to the borrower. |
| Barclays Bank UK PLC |
No |
| Birmingham Midshires |
No, please forward to the borrower. |
| Bradford & Bingley Limited |
Yes after completion with the title deeds. |
| Britannia, a trading name of The Co-operative Bank plc |
Yes with the deeds |
| Chelsea Building Society (a trading name of Yorkshire BS) | Yes, to be sent with the deeds after completion. |
| CHL Mortgages |
Yes, after completion. Please place with the title documents |
| Co-operative Bank plc | Yes, placed with the deeds after completion. |
| Coventry Building Society | No. |
| Danske Bank |
Yes, please place with the title deeds and return to: Danske Bank Mortgage Customer Support Team Mortgage Completion Team Killeaton House 41 Mosside Road, Dunmurry Belfast, BT17 9HH DX 2015 NR BELFAST 2 |
| DB UK Bank Ltd | Please forward with the Title Deeds |
| Ecology Building Society |
Yes |
| First Direct | No, unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. If planning permission exists for the change in use, then a separate certificate of lawful use or development is not required. Where planning permission cannot be confirmed, a certificate of lawful use or development is required. |
| First Trust Bank | Yes please forward with title deeds upon completion. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | No. |
| Halifax |
No, please forward to the borrower. |
| Halifax Loans Ltd | No, please forward to the borrower. |
| Hampden & Co. plc | |
| HSBC UK Bank plc | No, unless the property has been converted from commercial to residential property. In this case we will require proof of residential status. If planning permission exists for the change in use, then a separate certificate of lawful use or development is not required. Where planning permission cannot be confirmed, a certificate of lawful use or development is required. |
| HSMS | As 1.10a |
| Intelligent Finance | No, please forward to the borrower. |
| ITL Mortgages | No. |
| Kensington Mortgage Company Ltd | Yes. A copy is acceptable. To be forwarded to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU following completion with the title deeds. |
| Landmark Mortgages Limited | Yes, after completion with the Title Deeds. |
| Leeds Building Society | No, but please retain a copy on your file. |
| Lloyds Bank plc | No. |
| Lloyds TSB Scotland plc | No |
| M&S Bank | No, unless the property has been converted from commercial to residential property. In this case we will require proof of residential status |
| Mortgage Express |
Yes after completion with the title deeds. |
| Mortgage Express (No 2) |
Yes after completion with the title deeds. |
| National Westminster Bank plc | Yes after completion. |
| Nationwide Building Society | Yes |
| New Street Mortgages | No, you should satisfy yourself as our representative that appropriate certificates are in place. |
| NRAM Ltd | |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Yes-placed with the deeds |
| Rooftop Mortgages Ltd |
Yes, please place with the title deeds |
| Sainsbury's Bank | Yes, these should be sent to us at completion. |
| Santander UK plc | Yes. |
| Scottish Widows Bank | Yes, after completion. |
| The Mortgage Business |
No, please forward to the borrower. |
| The Royal Bank of Scotland plc |
Yes, after completion. |
| TSB Bank plc | No |
| UCB Home Loans Corporation Ltd |
Yes - copy with the deeds. |
| Ulster Bank |
Yes, after completion |
| Virgin Money | The documents we need post-completion are listed in our current Deeds Schedule. |
| Yorkshire Building Society |
Yes, to be sent with the deeds after completion. |