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Question: 5.4.2. Does the lender require an original/copy building warrants?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
Yes, to be sent with the deeds after settlement - copies will suffice. |
| Accord Mortgages Ltd | Yes, to be sent with the deeds after settlement - copies will suffice. |
| Adam & Company | Generally no but Offset Flexible Mortgage yes, after settlement. |
| Adam & Company International |
Generally no but Offset Flexible Mortgage yes, after settlement. |
| Aldermore Bank PLC | No - borrowers to retain. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | No |
| Atom Bank plc | No, however we may request a copy if the property has been converted in the last 10 years and we require you to keep a copy with your mortgage file in all cases. |
| Aviva Equity Release UK Ltd | Yes |
| 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, after settlement. Please place with Title Deeds. |
| Bank of Scotland Beginning O |
Yes, after completion. |
| Barclays Bank UK PLC | Yes, for self build properties. No, in all other cases. |
| Birmingham Midshires |
No, borrower to retain |
| Bluestone Mortgages |
No, please place with the Deeds |
| Bradford & Bingley Limited |
Yes after settlement 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 settlement - copies will suffice. |
| Clydesdale Bank plc |
Yes, after settlement. Please place with the title documents. |
| Co-operative Bank plc |
No. |
| Coutts |
Generally no but Offset Flexible Mortgage yes, after settlement. |
| Coventry Building Society | No |
| Darlington Building Society |
No, borrowers to retain. |
| DB UK Bank Ltd |
Please forward with the Title Deeds |
| Ecology Building Society | Yes |
| First Direct |
We do not require a copy of the building warrants. If any breach of building regulations is still within any applicable enforcement period, we will rely upon your professional judgement to protect any risk to the Bank. If you consider indemnity insurance is required, this should be obtained in accordance with Section 9 of the UK Finance Handbook. If not, we do not need to be notified. |
| Foundation Home Loans | No. We may however ask you for copies of the documents if we require them please retain copies on file. |
| Furness Building Society |
Yes, after completion with deeds |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | No |
| Halifax |
Yes, after settlement. Please place with the title documents. |
| Halifax Loans Ltd |
Yes, after settlement. Please place with the title documents. |
| Hampden & Co. plc | To be retained with the Title Deeds. |
| Handelsbanken | Yes. |
| Hodge | No, these should be retained by the borrower. Please also keep a copy on your file. |
| Hodge Equity Release | No, these should be retained by the borrower. Please also keep a copy on your file. |
| HSBC UK Bank plc |
We do not require a copy of the building warrants. If any breach of building regulations is still within any applicable enforcement period, we will rely upon your professional judgement to protect any risk to the Bank. If you consider indemnity insurance is required, this should be obtained in accordance with Section 9 of the UK Finance Handbook. If not, we do not need to be notified. |
| HSMS |
Yes after settlement with the title deeds |
| Intelligent Finance | No |
| 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. |
| Landbay Partners Limited | No. Please retain the original / copy on your file. |
| Landmark Mortgages Limited |
Yes, after settlement with the Title Deeds. |
| Leeds Building Society | No, but please retain a copy on your file. |
| Legal & General Home Finance Ltd | Yes, after completion. |
| LendInvest | No. We may, however, ask you for copies of the documents if we require them. |
| LiveMore Capital | Yes, please provide a copy |
| Lloyds Bank plc pre fixed 40 | No |
| Lloyds Bank plc pre fixed 50 | No |
| Lloyds TSB Scotland plc | No |
| M&S Bank | No, however we may request a copy if the property has been converted in the last 10 years |
| Magellan Homeloans | |
| Masthaven Bank | No, please place with the Deeds. |
| Metro Bank Plc | No. |
| Mortgage Agency Services | No |
| Mortgage Express |
Yes after settlement with the title deeds |
| Mortgage Express No 2 |
Yes after settlement with the title deeds |
| National Westminster Bank plc | No. |
| Nationwide Building Society |
No, borrower(s) to retain |
| Nedbank Private Wealth Ltd | Yes |
| New Street Mortgages |
Where title is registered in the Land Register - No, borrower(s) to retain. Where title is recorded in the new standard securities - Yes, after settlement. |
| NRAM Ltd | Yes after settlement with the title deeds. |
| Paragon Buy to Let Mortgages | Yes, after settlement. Please place with the title documents. Where to property is a House in Multiple Occupation, copies will need to be provided prior to release of funds. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Yes, placed with the deeds |
| Precise Mortgages (Charter Court Financial Services Ltd) | Yes ? to be sent with the deeds after settlement. |
| Rooftop Mortgages Ltd |
Yes. Please place with the title deeds |
| Sainsbury's Bank | No, these should be retained by the borrower. |
| Santander UK plc | No. |
| Scottish Building Society |
Place original with Title Deeds (not required by the Society) and send copy to the Society if requested within offer conditions. |
| Scottish Widows Bank | Yes, after completion |
| Skipton Building Society | See 14.2.2 |
| St James Place Bank | No |
| The Mortgage Business |
Yes, after settlement. Please place with Title documents |
| The Mortgage Lender Limited | Yes, after Completion. Please place with the title documents. |
| The Mortgage Works |
No - please pass to the Borrower. |
| The Royal Bank of Scotland plc | No. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
Yes, after settlement. |
| The Royal Bank of Scotland plc Direct Line One |
Yes, after completion. |
| The Royal Bank of Scotland plc First Active |
No. |
| The Royal Bank of Scotland plc Natwest one Account |
No, however, required after completion for cases instructed prior to 5/12/2011. |
| The Royal Bank of Scotland plc One Account |
No. |
| The Royal Bank of Scotland plc Virgin One |
No, however, required after completion for cases instructed prior to 5/12/2011. |
| Topaz Finance Ltd |
Yes, after settlement. |
| TSB Bank plc | No |
| UCB Home Loans Corporation Ltd |
Yes ? copy with the deeds. |
| Ulster Bank |
Yes, after settlement. |
| Vida Homeloans |
Yes, copy provided after completion to: Mortgage Services, Vida Homeloans, Gateway House, Gargrave Road, Skipton, North Yorkshire, BD23 2HL |
| Virgin Money | The documents we need post-settlement are listed in our current Deeds Schedule. |
| Whistletree (a trading name of TSB Bank plc) | Yes, after sttlement with the Title Deeds |
| Yorkshire Bank Home Loans Ltd |
Yes, after settlement. Please place with the title documents. |
| Yorkshire Building Society |
Yes, to be sent with the deeds after settlement - copies will suffice. |