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Question: 5.13.3. Do you require the power of attorney to be sent to you?
| Lender | Answer |
|---|---|
| Accord Mortgages Ltd | No |
| Atom Bank plc | Yes, if the mortgage account is to be operated under the power of attorney, we require sight of the power of attorney before completion to check its suitability along with a specimen signature of the attorney. In addition you should satisfy yourself that the attorney will have necessary delegated powers to operate the account. |
| Aviva Equity Release UK Ltd |
Yes - certified copy only |
| Bank of Ireland (UK) plc |
Yes, to be placed with the title deeds after completion. |
| Bank of Ireland as Bank of Ireland Mortgages |
Yes, to be placed with the title deeds after completion. |
| Bank of Scotland Beginning A |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to Bank of Scotland, Ettrick House, 37 South Gyle Crescent, Edinburgh, EH12 9DS. |
| Bank of Scotland Beginning O | Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to Bank of Scotland Plc, Mortgage Operations, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ. Tel: 0345 603 1136 Fax: 0131 339 2366 |
| Barclays Bank UK PLC |
No |
| Birmingham Midshires |
Yes, after settlement. Please place with title documents. |
| Bradford & Bingley Limited |
Yes, after completion with the title deeds. |
| Britannia, a trading name of The Co-operative Bank plc | Yes |
| Chelsea Building Society (a trading name of Yorkshire BS) | No. |
| CHL Mortgages |
Yes, a certified copy before completion and a copy to be placed with the title documents |
| Co-operative Bank plc | Yes, placed with the deeds after completion. |
| Coventry Building Society | Yes, after completion. |
| Danske Bank |
Yes - The original or certified copy power of attorney must be placed with the deeds. If the Mortgage is to be executed under a power of attorney you must let us know why the Borrower is unable to execute the Mortgage personally. You should ensure that the power of attorney is valid and the attorney is duly authorised to execute the Mortgage. If there are co Borrowers then one joint borrower cannot appoint the other as attorney for the purposes of this transaction. We will rely on you to ensure the Mortgage has been properly executed, and any applicable Land Registry requirements have been met. |
| DB UK Bank Ltd |
Please forward with the Title Deeds |
| Ecology Building Society |
Yes |
| First Direct | Yes, we sight of the original or a certified copy of either the original or an extract of the power of attorney before completion to check its suitability along with a specimen signature of the attorney. |
| First Trust Bank |
Yes, the original power of attorney or a certified copy should be attached to the relevant documents and sent to the following address: Mortgage Business Team First Trust Bank 92 Ann Street Belfast BT1 3HH |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes, after completion. |
| Halifax | Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified. |
| Halifax Loans Ltd | Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to HLL. |
| Hampden & Co. plc | |
| HSBC UK Bank plc | Yes, we require sight of the original or a certified copy of either the original or an extract of the power of attorney before completion to check its suitability along with a specimen signature of the attorney. |
| HSMS | Yes |
| Intelligent Finance | No, please note that we will not allow an attorney to operate the mortgage jar following completion. |
| ITL Mortgages | Yes, after completion. |
| Kensington Mortgage Company Ltd | Yes, after completion. Please forward to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU. Please note that documents relating to the mortgage cannot be signed pursuant to a Power of Attorney. |
| Landmark Mortgages Limited |
Yes, after completion with the Title Deeds. A certified copy is sufficient. |
| Leeds Building Society |
Yes. Please upload to the LMS system S.T.A.R.S after completion. |
| Lloyds Bank plc | Yes, after completion if the Mortgage Deed or Mortgage Loan Agreement is executed under Power of Attorney. |
| Lloyds TSB Scotland plc | A certified copy, following completion if the Mortgage Deed or Loan Agreement is executed under a Power of Attorney. |
| M&S Bank | yes we require sight of the power of attorney before completion to check its suitability along with a specimen signature of the attorney. |
| 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 a certified copy to be sent after completion. |
| Nationwide Building Society | Yes |
| New Street Mortgages | For matters post completion, yes we require sight of the Power of Attorney. Please forward to: New Street Mortgages, PO Box 4760, Maidenhead, SL60 1HU. However please note that applicants may not appoint a power of attorney to sign any documents in relation to the mortgage prior to completion. |
| NRAM Ltd | |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Yes, placed with deeds |
| Rooftop Mortgages Ltd |
Yes, please place with the title deeds |
| Sainsbury's Bank |
Please inform us immediately if there is a power of attorney at the contact point as detailed in 1.10a. Yes, a certified copy should be sent to us at completion. |
| Santander UK plc |
Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to the Mortgage Operations office instructing you as soon as possible (and in any event within 7 days) after completion. If the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Please confirm the correspondence address for the attorney. Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter. |
| Scottish Widows Bank | Yes, after completion. |
| The Mortgage Business |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to Nexus, PO Box 548, Leeds LS1 1WU. |
| The Royal Bank of Scotland plc |
Yes, a certified copy to be sent after completion. |
| TSB Bank plc | A certified copy, following completion if the Mortgage Deed or Loan Agreement is executed under a Power of Attorney. |
| UCB Home Loans Corporation Ltd |
Yes |
| Ulster Bank |
Yes, a certified copy to be sent after completion |
| Virgin Money | The documents we need post-completion are listed in our current Deeds Schedule. |
| Yorkshire Building Society |
No. |