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Question: 5.3.4. Does the lender accept property enquiry certificates from private firms?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
Yes, provided you give an unqualified Certificate of Title. |
| Accord Mortgages Ltd | Yes, provided you give an unqualified Certificate of Title. |
| Adam & Company |
Yes. Providing you can still give a clear Certificate of Title. |
| Adam & Company International |
Yes. Providing you can still give a clear Certificate of Title. |
| Aldermore Bank PLC | Yes, provided the firm has adequate professional indemnity insurance and you are able to give an unqualified certificate of title. See paragraph 9.2. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Yes, provided there is adequate indemnity insurance in place and provided you give an unqualified Certificate of Title. |
| Atom Bank plc | Yes, provided you are still able to give an unqualified Certificate of Title and the private firm in question has adequate professional indemnity insurance. |
| Aviva Equity Release UK Ltd | Yes, provided you have satisfactory experience of using them previously. |
| Bank of China | No |
| Bank of Ireland (UK) plc | No |
| Bank of Ireland as Bank of Ireland Mortgages | No |
| Bank of Scotland Beginning A | Yes |
| Bank of Scotland Beginning O | Yes, provided firm has adequate Professional Indemnity Insurance. |
| Barclays Bank UK PLC | Yes, at the Conveyancer’s own risk and subject to paragraphs 5.4.7 and 5.4.8 and provided that any firm carrying out a personal search is a member of an appropriate trade body, with established standards; has adequate insurance in place and is a member of an industry trade body that abide by the Property Ombudsman Scheme Scotland: www.tpos.co.uk. |
| Birmingham Midshires | Yes, provided the private firm has adequate professional indemnity insurance |
| Bluestone Mortgages | Yes, provided that the firm has adequate professional indemnity insurance and you give an unqualified certificate of title. |
| Bradford & Bingley Limited |
Yes, provided they fully satisfy requirements and you can certify that the title is good and marketable. |
| Britannia, a trading name of The Co-operative Bank plc | Yes |
| Chelsea Building Society (a trading name of Yorkshire BS) | Yes, provided you give an unqualified Certificate of Title. |
| Clydesdale Bank plc |
Yes, provided the firm has adequate professional indemnity insurance. |
| Co-operative Bank plc | Yes, provided you are still able to give us an unqualified Certificate of Title and the private firm in question has adequate professional indemnity insurance. |
| Coutts |
Yes. Providing you can still give a clear Certificate of Title. |
| Coventry Building Society |
Yes. The Search agent and/insurance can only be used for applications up to £500000. The search agent or company must carry a minimum professional indemnity cover of £500000. Per case. |
| Darlington Building Society | Yes |
| DB UK Bank Ltd | Yes, provided there is adequate indemnity insurance in place |
| Ecology Building Society |
Local authority searches. A Council (official) search is acceptable. A Regulated (formally personal) search is permitted, provided that: • searches are carried out in accordance with the Search Code monitored by the Property Codes Compliance Board; and • the search agency has adequate Professional Indemnity Insurance. |
| First Direct | Yes, provided the firm has adequate professional indemnity insurance. |
| Foundation Home Loans |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| Furness Building Society |
No but you may do so at your own risk. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes. The Search agent and/insurance can only be used for applications up to £500000. The search agent or company must carry a minimum professional indemnity cover of £500000 per case. |
| Halifax | Yes |
| Halifax Loans Ltd | Yes |
| Hampden & Co. plc | Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| Handelsbanken | Yes, provided the search agent has adequate professional indemnity insurance and you can still give a clear report on title. |
| Hodge |
Yes provided: i) that you can certify that the title is good and marketable. ii) an unqualified certificate of title is given to us and, iii) the conveyancer does so at his own risk. Also the search firm used must be known to you and have professional indemnity insurance in place. |
| Hodge Equity Release |
Yes provided: i) that you can certify that the title is good and marketable. ii) an unqualified certificate of title is given to us and, iii) the conveyancer does so at his own risk. Also the search firm used must be known to you and have professional indemnity insurance in place. |
| HSBC UK Bank plc | Yes, provided the firm has adequate professional indemnity insurance. |
| HSMS |
Yes, provided they fully satisfy the requirements of 5.3.4 and you can certify that the title is good and marketable. |
| Intelligent Finance | Yes |
| ITL Mortgages | Yes. The Search agent and/insurance can only be used for applications up to £500000. The search agent or company must carry a minimum professional indemnity cover of £500000 per case. |
| Kensington Mortgage Company Ltd |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| Landbay Partners Limited | By prior agreement. |
| Landmark Mortgages Limited |
Yes, but the conveyancer does so at their own risk. |
| Leeds Building Society |
Yes, at your risk |
| Legal & General Home Finance Ltd | Yes, provided you give an unqualified certificate of title, they are carried out by a reputable search agent and provided the firm has adequate professional indemnity insurance. |
| LendInvest | Yes, provided you are still able to give an unqualified Certificate of Title and the private firm in question has adequate professional indemnity insurance |
| LiveMore Capital | Yes, provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| Lloyds Bank plc pre fixed 40 | Yes |
| Lloyds Bank plc pre fixed 50 | Yes |
| Lloyds TSB Scotland plc | Yes |
| M&S Bank | Yes, provided the firm has adequate professional indemnity insurance |
| Magellan Homeloans | Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give an unqualified Certificate of Title. |
| Masthaven Bank | Yes, provided that the firm has adequate professional indemnity insurance, and that you give an unqualified Certificate of Title. |
| Metro Bank Plc | No |
| Mortgage Agency Services | Yes |
| Mortgage Express |
Yes, provided they fully satisfy requirements and you can certify that the title is good and marketable. |
| Mortgage Express No 2 |
Yes, provided they fully satisfy the requirements of 5.3.4 and you can certify that the title is good and marketable. |
| National Westminster Bank plc |
Yes, provided you can still give a clear Certificate of Title. |
| Nationwide Building Society |
At your own risk |
| Nedbank Private Wealth Ltd | Yes (those firms pre-approved by you). |
| New Street Mortgages |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| NRAM Ltd | Yes, but the conveyance does so at their own risk. |
| Paragon Buy to Let Mortgages | No. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Yes |
| Precise Mortgages (Charter Court Financial Services Ltd) | Yes, provided that the firm has adequate professional indemnity insurance and you give an unqualified certificate of title. |
| Rooftop Mortgages Ltd | No |
| Sainsbury's Bank | Yes, as long as you are still able to provide us with an unqualified Certificate of Title. |
| Santander UK plc |
No - but the Conveyancer may do so at his own risk. |
| Scottish Building Society |
Yes, subject to these being supported by Search insurance. |
| Scottish Widows Bank | Yes |
| Skipton Building Society |
Yes, at your risk, if time does not permit an official search. |
| St James Place Bank | Yes |
| The Mortgage Business |
Yes, provided the firm holds appropriate Professional Indemnity Insurance. |
| The Mortgage Lender Limited | Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| The Mortgage Works | At your own risk |
| The Royal Bank of Scotland plc | Yes. Providing you can still give a clear Certificate of Title. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| The Royal Bank of Scotland plc Direct Line One |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| The Royal Bank of Scotland plc First Active |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| The Royal Bank of Scotland plc Natwest one Account |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| The Royal Bank of Scotland plc One Account |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| The Royal Bank of Scotland plc Virgin One |
Yes - provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title. |
| Topaz Finance Ltd |
Yes, at your risk and only if time does not permit an official search. |
| TSB Bank plc | Yes |
| UCB Home Loans Corporation Ltd |
At your own risk. |
| Ulster Bank | Yes |
| Vida Homeloans | No |
| Virgin Money |
Yes, but the conveyancer does so at their own risk. |
| Whistletree (a trading name of TSB Bank plc) | Yes, but the conveyancer does so at their own risk. |
| Yorkshire Bank Home Loans Ltd | Yes, provided the firm has adequate professional indemnity insurance. |
| Yorkshire Building Society |
Yes, provided you give an unqualified Certificate of Title. |