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Question: 5.12.3. Does the lender need to be sent the original, an extract or a certified copy of the power of attorney?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
Yes, at least a certified copy to be sent with the deeds after settlement. |
| Accord Mortgages Ltd | Yes, at least a certified copy to be sent with the deeds after settlement. |
| Adam & Company |
We require either a certified copy or an extract (but not the original) to be sent to us after settlement EXCEPT for: Offset Flexible Mortgage - Yes, we require either the original, a certified copy, or an extract which has been registered in the Books of Council to be sent to us after settlement. |
| Adam & Company International |
We require either a certified copy or an extract (but not the original) to be sent to us after settlement EXCEPT for: Offset Flexible Mortgage - Yes, we require either the original, a certified copy, or an extract which has been registered in the Books of Council to be sent to us after settlement. |
| Aldermore Bank PLC | We would not normally accept a power of attorney. Please refer to 1.11. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Yes at least a certified copy to be sent following completion – see 14.2.2 |
| Atom Bank plc | Yes, if the mortgage account is to be operated under the power of attorney we require either an exact or certified copy to be sent to us 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 the necessary delegated powers to operate the account. |
| Aviva Equity Release UK Ltd |
Yes, a certified copy. |
| Bank of China | No Power of Attorney accepted. All documents must be signed by Original Parties. |
| Bank of Ireland (UK) plc | A certified copy is to be placed with the title deeds after completion. |
| Bank of Ireland as Bank of Ireland Mortgages | A certified copy is to be placed with the title deeds after completion. |
| Bank of Scotland Beginning A | Yes, after settlement. Please place with Title Deeds. |
| Bank of Scotland Beginning O | Yes, after completion. Please place with Title Deeds. |
| Barclays Bank UK PLC |
Yes, after settlement |
| Birmingham Midshires |
Yes, in Sasines cases only |
| Bluestone Mortgages | No, but please keep a copy with your file. |
| Bradford & Bingley Limited |
Yes after settlement with the title deeds. |
| Britannia, a trading name of The Co-operative Bank plc | Certified copy |
| Chelsea Building Society (a trading name of Yorkshire BS) |
Yes, at least a certified copy to be sent with the deeds after settlement. |
| Clydesdale Bank plc |
Only if the mortgage account is to be operated under the Power of Attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to: The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc | Yes, original or certified copy. |
| Coutts |
We require either a certified copy or an extract (but not the original) to be sent to us after settlement EXCEPT for: Offset Flexible Mortgage - Yes, we require either the original, a certified copy, or an extract which has been registered in the Books of Council to be sent to us after settlement. |
| Coventry Building Society | A certified copy after completion if the Standard Security is executed under a Power of Attorney. |
| Darlington Building Society |
Principal Office: Customer Support Department Sentinel House Morton Road Darlington DL1 4PT |
| DB UK Bank Ltd |
Certified Copy db mortgages PO Box 890 Newport NP20 9LZ Tel: 0845 650 6281 DX Address - not available |
| Ecology Building Society |
Certified copy |
| 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. |
| Foundation Home Loans | No, but you should retain a copy on file. |
| Furness Building Society |
Yes with the title deeds |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | A certified copy after completion if the Standard security is executed under a Power of Attorney. |
| 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 | Please retain a certified copy of the power of attorney with the title deeds. |
| Handelsbanken | Yes, certified copy following completion. |
| Hodge |
Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to us (as per 11.1a) 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. We do not accept a General Power of Attorney |
| Hodge Equity Release |
Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to us (as per 11.1a) 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. We do not accept a General Power of Attorney |
| HSBC UK Bank plc | 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. |
| HSMS |
As 1.11a |
| Intelligent Finance |
Securities, Intelligent Finance, PO Box 890, Leeds, LS1 9UG |
| ITL Mortgages |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Kensington Mortgage Company Ltd | Yes. A certified copy is acceptable. To be forwarded to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU following completion. |
| Landbay Partners Limited | A power of attorney must not be used for the execution of our documents. Where other documents have been executed under a power of attorney, this should be sent to us after completion. |
| Landmark Mortgages Limited |
Yes, certified copies are acceptable after settlement. |
| Leeds Building Society | Yes. Please upload to the LMS S.T.A.R.S system after completion or in the case of Limited Company Buy to Let please send a copy via email to LBSgeneraladmin@peppergroup.co.uk. |
| Legal & General Home Finance Ltd | Yes, we require a copy certified by a solicitor. Where the mortgage is a lifetime mortgage, an attorney may only sign on behalf of a borrower where the power is an enduring or lasting power of attorney and the borrower is incapacitated. You must confirm that the mortgage is for the welfare and benefit of the donor. You must obtain a clear bankruptcy search against any attorney(s). |
| LendInvest | No |
| LiveMore Capital | Yes. Certified copies should be sent to us at the address given in Section 1.11a |
| Lloyds Bank plc pre fixed 40 |
A certified copy, after settlement. |
| Lloyds Bank plc pre fixed 50 |
Mortgage Processing (see 1.11a) |
| Lloyds TSB Scotland plc |
Mortgage Processing (see 1.11a) |
| 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. |
| Magellan Homeloans | 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 issuing office in 1.11 |
| Masthaven Bank | No, but please keep a copy with your file. |
| Metro Bank Plc | No - to be held on file with the title deeds and documents after completion. |
| Mortgage Agency Services |
Yes, with original mortgage deed, associated documents and papers |
| Mortgage Express |
Yes after settlement with the title deeds |
| Mortgage Express No 2 |
Yes after settlement with the title deeds |
| National Westminster Bank plc |
We require either a certified copy or an extract (but not the original) to be sent to us after settlement. Offset Flexible Mortgage - Yes, we require either the original, a certified copy, or an extract which has been registered in the Books of Council to be sent to us after settlement. |
| Nationwide Building Society |
Yes, in Sasines cases only (any one of these formats acceptable) |
| Nedbank Private Wealth Ltd | We will accept either. |
| 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 | Yes, certified copies are acceptable after settlement. |
| Paragon Buy to Let Mortgages | A power of attorney must not be used for the execution of our documentation (including but not limited to the Standard Security and any supporting Deed of Guarantee). Where any other documents have been executed under a power of attorney with our prior consent in writing, please include a certified copy with the deeds. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Yes, original or certified copy, please refer all power of attorneys to us for approval. |
| Precise Mortgages (Charter Court Financial Services Ltd) | Yes, at least a certified copy to be sent with the deeds after settlement. |
| Rooftop Mortgages Ltd |
Yes, at least a certified copy to be placed 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 1.11a. Where there is a power of attorney, 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 Building Society |
Yes. Certified copy acceptable. |
| Scottish Widows Bank | Yes, after completion |
| Skipton Building Society | No, as long as you retain it on your file. |
| St James Place Bank | No |
| The Mortgage Business |
Yes, after settlement. Please place with Title documents |
| The Mortgage Lender Limited | Documents signed by attorneys are unacceptable. |
| The Mortgage Works |
Yes, in Sasines cases only. |
| The Royal Bank of Scotland plc |
No - We require either a certified copy or an extract (but not the original) to be sent to us after settlement. Offset Flexible Mortgage - Yes, we require either the original, a certified copy, or an extract which has been registered in the Books of Council to be sent to us after settlement. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
Yes, we require either the original, a certified copy, or an extract which has been registered in the Books of Council and Session to be sent to us after settlement. |
| The Royal Bank of Scotland plc Direct Line One |
As detailed above in 1.11a. |
| The Royal Bank of Scotland plc First Active |
We require either a certified copy or an extract (but not the original) to be sent to us after settlement. |
| The Royal Bank of Scotland plc Natwest one Account |
Yes, we require either the original, a certified copy,or an extract which has been registered in the Books of Council and Session to be send to us after settlement. |
| The Royal Bank of Scotland plc One Account |
Yes, we require either the original, a certified copy, or an extract which has been registered in the Books of Council and Session to be sent to us after settlement. |
| The Royal Bank of Scotland plc Virgin One |
Yes,we require either the orginal,a certified copy,or an extract which has been registered in the Books of Council and Session to be sent to us after settlement |
| Topaz Finance Ltd |
Yes, after settlement. |
| TSB Bank plc | Mortgage Processing (see 1.11a) |
| UCB Home Loans Corporation Ltd |
Yes, in Sasines cases only. |
| Ulster Bank |
Yes, we require either the original, a certified copy, or an extract which has been registered in the Books of Council and Session to be sent to us after settlement. |
| Vida Homeloans |
Yes, certified copy provided 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, certified copies are acceptable after settlement. |
| Yorkshire Bank Home Loans Ltd |
Only if the mortgage account is to be operated under the Power of Attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to: The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 |
| Yorkshire Building Society |
Yes, at least a certified copy to be sent with the deeds after settlement. |