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Question: 1.14. May your firm act if the person dealing with the transaction or a member of his immediate family is the borrower?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
Yes, provided that: - * there is no conflict of interest and none arises during the transaction and * the firm is a partnership and * the conveyancer acting is not the borrower or a member of the borrower's immediate family |
| Accord Mortgages Ltd | Yes, provided that: - * there is no conflict of interest and none arises during the transaction and * the firm is a partnership and * the conveyancer acting is not the borrower or a member of the borrower's immediate family |
| Adam & Company |
Your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. |
| Adam & Company International |
Your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. |
| Aldermore Bank PLC | No. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Refer to AIB Group (UK) plc, Central Securities (GB), 92 Anne Street, Belfast, BT1 3H |
| Atom Bank plc | Yes, provided the firm is a partnership, a separate partner in the firm - the firm (who is not related to the seller) acts for us, there is no conflict of interest and you are acting within your professional guidelines. |
| Aviva Equity Release UK Ltd | Yes |
| Bank of China | No |
| Bank of Ireland (UK) plc | Yes, providing that your firm is a partnership and the transaction is dealt with by a partner who is not related to the borrower. Otherwise, your firm may not act in these circumstances. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes, providing that your firm is a partnership and the transaction is dealt with by a partner who is not related to the borrower. Otherwise, your firm may not act in these circumstances. |
| Bank of Scotland Beginning A | Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us |
| Bank of Scotland Beginning O | Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us |
| Barclays Bank UK PLC |
Yes in the circumstances stated in Part I of the Handbook provided there is no conflict of interest. |
| Birmingham Midshires |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us Please note if the person dealing is the seller or a member of the seller's immediate family your firm may only act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Bluestone Mortgages | No |
| Bradford & Bingley Limited |
Your firm may only act if a separate fee earner or partner within the firm acts for us. |
| Britannia, a trading name of The Co-operative Bank plc | No |
| Chelsea Building Society (a trading name of Yorkshire BS) |
Yes, provided that: * there is no conflict of interest and none arises during the transaction and * the firm is a partnership and * the conveyancer acting is not the borrower or a member of the borrower's immediate family. |
| Clydesdale Bank plc | Yes, in the circumstances stated in part 1 of the handbook. |
| Co-operative Bank plc | No. |
| Coutts |
Your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. |
| Coventry Building Society | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Darlington Building Society | Not if the person dealing is the borrower or a member of the borrowers immediate family. Your firm may act if a separate fee earner in the firm acts for us. |
| DB UK Bank Ltd |
No, however, your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us |
| Ecology Building Society | No |
| First Direct |
Yes, provided a separate partner to the firm (who is not related to the borrower) acts for us, there is no conflict of interest and you are acting within your professional guidelines |
| Foundation Home Loans |
Your firm may act if a separate fee earner of no less standing or separate partner of the firm acts for us, there is no conflict of interest and you are compliant with your professional rules and guidelines. |
| Furness Building Society | No |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Halifax |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Halifax Loans Ltd |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| Hampden & Co. plc | Your firm may act if a separate partner within the firm acts for us in the circumstances specified in Part 1. |
| Handelsbanken | Yes, provided that the separate fee earner dealing with the transaction for the lender is of no less standing within the firm and is not the seller or related to the seller. Otherwise, your firm may not act in these circumstances. |
| Hodge |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership or LLP, engaged in a legal practice in Scotland, all of whose partners or members hold Practising Certificates in terms of the Solicitors (Scotland) Act 1980, or a body corporate recognised by the Council of the Law Society of Scotland as being suitable to undertake the provision of professional service such as may be provided by solicitors * the conveyancer acting is not the seller or a member of the seller's immediate family. Written confirmation must be sent and acknowledged (as detailed in 1.11) Law Society of Scotland Practice Rules on conflicts of interest to be followed. |
| Hodge Equity Release |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership or LLP, engaged in a legal practice in Scotland, all of whose partners or members hold Practising Certificates in terms of the Solicitors (Scotland) Act 1980, or a body corporate recognised by the Council of the Law Society of Scotland as being suitable to undertake the provision of professional service such as may be provided by solicitors * the conveyancer acting is not the seller or a member of the seller's immediate family. Written confirmation must be sent and acknowledged (as detailed in 1.11). Law Society of Scotland Practice Rules on conflicts of interest to be followed. |
| HSBC UK Bank plc | Yes, provided a separate partner to the firm (who is not related to the borrower) acts for us, there is no conflict of interest and you are acting within your professional guidelines |
| HSMS |
Your firm may only act if a separate fee earner or partner within the firm acts for us. |
| Intelligent Finance |
Yes but another fee earner of no less standing or another partner in the firm must act for us. |
| ITL Mortgages | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Kensington Mortgage Company Ltd | No, the case must be passed to another solicitor at your firm (not under your supervision), or if none are available the instruction declined. |
| Landbay Partners Limited | Your firm may act if a separate fee earner of no less standing or a partner of the firm acts for us. |
| Landmark Mortgages Limited | Your firm may not act if the borrower is either a partner of the firm or the person dealing with the transaction, or a member of their immediate family. |
| Leeds Building Society |
Yes, provided that: • a different person deals with the conveyance (i.e. not the borrower); • there is no conflict of interest and none arises during the transaction; and • the Law Society guidelines are followed. |
| Legal & General Home Finance Ltd | No |
| LendInvest |
Yes, provided that: * there is no conflict of interest and none arises during the transaction * the firm is a partnership * the conveyancer acting is not the seller or a member of the seller's immediate family. |
| LiveMore Capital | No, the case must be passed to another solicitor at your firm (not under your supervision), or if none are available the instruction declined. |
| Lloyds Bank plc pre fixed 40 | Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may only act if a separate fee earner of no less standing or a separate partner in the firm acts for us. |
| Lloyds Bank plc pre fixed 50 |
Yes, subject to 1.13 |
| Lloyds TSB Scotland plc |
Yes, subject to 1.13 |
| M&S Bank | Yes, provided a separate partner in the firm (who is not related to the borrower) acts for us, there is no conflict of interest and you are acting within your professional rules |
| Magellan Homeloans | No |
| Masthaven Bank | No. |
| Metro Bank Plc | Yes providing a different partner is involved, there is no conflict of interest and none arises during the transaction and the conveyancer acting is not the seller or a member of the seller's immediate family. |
| Mortgage Agency Services | No |
| Mortgage Express |
Your firm may only act if a separate fee earner or partner within the firm acts for us. |
| Mortgage Express No 2 |
Your firm may only act if a separate fee earner or partner within the firm acts for us. |
| National Westminster Bank plc | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| Nationwide Building Society |
Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| Nedbank Private Wealth Ltd | Your firm may not act in such circumstances without specific permission from us. |
| New Street Mortgages |
No, the case must be passed to another solicitor at your firm (not under your supervision), or if none are available the instruction declined |
| NRAM Ltd | Your firm may not act if the borrower is either a partner of the firm or the person dealing with the transaction, or a member of their family. |
| Paragon Buy to Let Mortgages |
You may not act if the person dealing with the transaction or a member of his immediate family is the Borrower, a guarantor or a director, shareholder or officer of the Borrower without our express authority in writing. If we do consent, the person acting for us must be a partner and have more seniority than the person acting for the Borrower, guarantor etc. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | No |
| Precise Mortgages (Charter Court Financial Services Ltd) | No. |
| Rooftop Mortgages Ltd | No |
| Sainsbury's Bank | We may allow your firm to act where a separate fee earner of no less standing or a partner within the firm acts for us. Please contact us at the address detailed in 1.11a for confirmation. |
| Santander UK plc |
Yes, provided that a separate fee earner ( acting under the supervision of another partner) acts; there is no conflict of interest and your professional guidelines are followed. |
| Scottish Building Society | No |
| Scottish Widows Bank | Yes, provided a separate partner within the firm acts on our behalf. |
| Skipton Building Society | Yes, provided the stipulations in 1.14 are strictly complied with. |
| St James Place Bank | Yes but another fee earner of no less standing or another partner in the firm must act for us. |
| The Mortgage Business |
No, however your firm may act if a separate fee earner of no less standing or a partner in the firm acts for us. |
| The Mortgage Lender Limited | No. |
| The Mortgage Works | Yes, provided that a different fee earner or partner of no less standing acts for us, there is no conflict of interest and Law Society guidelines are followed. |
| The Royal Bank of Scotland plc | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc Direct Line Mortgages | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc Direct Line One | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc First Active | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc Natwest one Account | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc One Account | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| The Royal Bank of Scotland plc Virgin One | No, your firm may not act if the person dealing with the transaction or a member of his immediate family is the borrower. However, your firm may act if a separate fee earner or separate partner within the firm acts for us. |
| Topaz Finance Ltd |
Not if the person dealing is the borrower or a member of the borrower's immediate family. Your firm may act if a separate fee earner of no less standing or a partner acts for us. |
| TSB Bank plc | Yes, subject to 1.13 |
| UCB Home Loans Corporation Ltd | We do not agree that your firm can act in these situations |
| Ulster Bank |
No. Your firm may act if a separate fee earner of no less standing or a partner within the firm acts for us. |
| Vida Homeloans | No |
| Virgin Money | No and you must tell us immediately. |
| Whistletree (a trading name of TSB Bank plc) | Yes, subject to 1.13 of handbook |
| Yorkshire Bank Home Loans Ltd | Yes, in the circumstances stated in part 1 of the handbook. |
| Yorkshire Building Society |
Yes, provided that: * there is no conflict of interest and none arises during the transaction and * the firm is a partnership and * the conveyancer acting is not the borrower or a member of the borrower's immediate family |