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Question: 6.6.1. If different from 1.11, contact point if property is let/to be let.
| Lender | Answer |
|---|---|
| Accord Buy to Let |
As 1.11a. Where the loan is explicitly identified in the Mortgage Offer as a Buy to Let purchase or re-mortgage, you do not need to inform us that the transaction is for Buy to Let purposes. We do require you to check the property being offered as security will have a minimum Energy Performance Rating of E as at completion of the mortgage transaction or will benefit from a valid exemption. |
| Accord Mortgages Ltd | As 1.11a. If prior to completion of the mortgage, you become aware that the borrower intends to let the property you must inform us immediately. |
| Adam & Company |
As detailed above in 1.11a |
| Adam & Company International |
As detailed above in 1.11a |
| Aldermore Bank PLC | As 1.11 |
| 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 | As 1.11 above |
| Aviva Equity Release UK Ltd |
We do not allow buy-to-let or for the whole property to be let. We will allow customers to let out a discrete part of the Property at the inception of or during the lifetime of the mortgage providing certain conditions are met. These are: • The part of the Property where the tenant will reside must be self-contained so that the tenant can have exclusive possession of that part. • The valuer will confirm that the proposed tenant living space will be no more than 50% of total area on which the mortgage is to be secured. • The Property must meet all other criteria within our lending rules. Once we have verified the Property meets our requirements, we will then proceed to offer and include any specific requirements to you in a Special Condition. In all cases, we require you to check that the tenancy agreement is a Private Residential Tenancy, only in the precise form of the Scottish Government’s model You are also required to obtain an Tenant’s Deed of Consent for any occupant of the proposed tenant living space. Each occupant of the proposed tenant living space must receive separate independent legal advice from a solicitor, Chartered Legal Executive or Licensed Conveyancer in a different firm to the Borrower’s solicitor. The Tenant’s Deed of Consent must be witnessed by the solicitor providing the advice. See 1.11 for Aviva contact details |
| Bank of China | mortgages@bank-of-china.com |
| Bank of Ireland (UK) plc |
See 1.11 There is no need to check with us if the existing or proposed letting complies with the terms of the Offer. The letting must be on a short assured or a private residential tenancy as applicable. |
| Bank of Ireland as Bank of Ireland Mortgages |
See 1.11 There is no need to check with us if the existing or proposed letting complies with the terms of the Offer. The letting must be on a short assured or a private residential tenancy as applicable. |
| Bank of Scotland Beginning A |
Bank of Scotland Plc, Mortgage Operations, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ. Tel: 0345 603 1136 Fax: 0131 339 2366 Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST. |
| Bank of Scotland Beginning O |
Bank of Scotland Plc, Mortgage Operations, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ. Tel: 0345 603 1136 Fax: 0131 339 2366 Applications which involve distressed sales are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST. |
| Barclays Bank UK PLC |
Where the loan is explicitly identified in the Mortgage Offer as a Buy to Let purchase or re-mortgage, you do not need to inform us that the transaction is for Buy to Let purposes. Where the BTL transaction includes a sale and lease back arrangement you only need you contact us if either of the following criteria are not met: • Lease term is from 6 to 36 months • The property must not be used for a sales office (except where the garage alone is to be used for such purpose) • The tenant must not be the previous owner of the property. • The property cannot be used as the site’s official sales office – other than where the garage alone is to be used for such purpose. • The developer’s Licence Agreement that the property will be returned to original state must be evidenced. |
| Birmingham Midshires |
Conveyancer Support Team. (see offer for address and fax number) Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST. |
| Bluestone Mortgages | As per 1.11. |
| Bradford & Bingley Limited | As 1.11a |
| Britannia, a trading name of The Co-operative Bank plc | Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX16351 Leek |
| Chelsea Building Society (a trading name of Yorkshire BS) | As 1.11a. |
| Clydesdale Bank plc |
The team at Clydesdale Bank Sunderland SR43 4JE Tel – 0800 121 4203 |
| Co-operative Bank plc | See 1.11a earlier. |
| Coutts |
As detailed above in 1.11a |
| Coventry Building Society |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR Funds may not be used to purchase a property from a company in which the borrower has an interest. Funds may not be used to replace existing development finance. Funds may not be used to purchase a Buy to Let Property that is to be let to the current owner (i.e. who will remain in occupation of the property as a tenant). Where the property is already let or will be let at settlement, the legal representative is to ensure that any existing or proposed tenancy agreement is in a form normally used for residential agreements and it does not confer security of tenure on the tenant(s) beyond the initial fixed contractual term, which must not exceed 36 months. |
| Darlington Building Society |
Principal Office: Customer Support Department Sentinel House Morton Road Darlington DL1 4PT |
| DB UK Bank Ltd |
db mortgages PO Box 890 Newport NP20 9LZ Tel: 0845 650 6281 DX Address - not available |
| Ecology Building Society | As in 1.11a |
| First Direct | |
| Foundation Home Loans |
The mortgage offer will indicate whether the mortgage is a Residential or Buy to Let product, and whether we are lending on a House in Multiple Occupation or Multi-Let Unit. Any queries regarding standard or special mortgage conditions should be referred to us, see 1.11.a |
| Furness Building Society |
Centralised Mortgage Processing Furness Building Society, 51/55 Duke Street, Barrow-in-Furness, Cumbria. LA14 1RT |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR Funds may not be used to purchase a property from a company in which the borrower has an interest. Funds may not be used to replace existing development finance. Funds may not be used to purchase a Buy to Let Property that is to be let to the current owner (i.e. who will remain in occupation of the property as a tenant). Where the property is already let or will be let at settlement, the legal representative is to ensure that any existing or proposed tenancy agreement is in a form normally used for residential agreements and it does not confer security of tenure on the tenant(s) beyond the initial fixed contractual term, which must not exceed 36 months. |
| Halifax |
Customer Service Centre.(see offer for address and fax no.) |
| Halifax Loans Ltd |
HLL as of 1.11a. |
| Hampden & Co. plc | See 1.11 |
| Handelsbanken | Refer to Branch office instructing you. |
| Hodge | As per 1.11a providing full details and await our response prior to proceeding |
| Hodge Equity Release | As per 1.11a providing full details and await our response prior to proceeding |
| HSBC UK Bank plc | |
| HSMS | As 1.11a |
| Intelligent Finance | As at 1.11a |
| ITL Mortgages |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR Funds may not be used to purchase a property from a company in which the borrower has an interest. Funds may not be used to replace existing development finance. Funds may not be used to purchase a Buy to Let Property that is to be let to the current owner (i.e. who will remain in occupation of the property as a tenant). Where the property is already let or will be let at settlement, the legal representative is to ensure that any existing or proposed tenancy agreement is in a form normally used for residential agreements and it does not confer security of tenure on the tenant(s) beyond the initial fixed contractual term, which must not exceed 36 months. |
| Kensington Mortgage Company Ltd | As 1.11a |
| Landbay Partners Limited | We only lend on a buy-to-let properties. Please check the mortgage documentation to see what tenancies are acceptable. |
| Landmark Mortgages Limited |
Porting Team Landmark Mortgages PO Box 656 Durham DH1 9LY OR Landmark Mortgages DX 727483, Sunderland 13 Tel: 0330 159 7172 |
| Leeds Building Society | As per 1.11a. |
| Legal & General Home Finance Ltd | Same as 1.11a |
| LendInvest | See 1.11a. Your attention is drawn, however, to the terms of the mortgage offer. We do not require a report if consent to the property being let is granted under the terms of the offer. |
| LiveMore Capital | We do not allow properties to be let. Please contact us if you are aware that the property is to be let. |
| Lloyds Bank plc pre fixed 40 | Mortgage Processing. Please see 1.11a. |
| Lloyds Bank plc pre fixed 50 |
Mortgage Processing (see 1.11a) |
| Lloyds TSB Scotland plc |
Mortgage Processing (see 1.11a) |
| M&S Bank | M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322 |
| Magellan Homeloans | Issuing Office |
| Masthaven Bank | As per 1.11. |
| Metro Bank Plc | As detailed above in 1.11, though we only need to be contacted if it appears from the mortgage or instructions that we are not aware that the property is let or to be let. |
| Mortgage Agency Services |
Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY |
| Mortgage Express |
As 1.11a |
| Mortgage Express No 2 |
As 1.11a |
| National Westminster Bank plc |
As detailed above in 1.11a |
| Nationwide Building Society |
Issuing Office |
| Nedbank Private Wealth Ltd | Please refer to us for instructions if this is different to our instructions letter. |
| New Street Mortgages |
New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW. Tel: 0333-300-3100, Fax: 0333-300-3132, email: enquiries@newstreetmortgages.com |
| NRAM Ltd | As 1.11a |
| Paragon Buy to Let Mortgages | As 1.11a. See also our Supplemental Instructions and Guidance Notes, together with our Mortgage Conditions and General and Special Conditions accompanying our Offer. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Refer to office issuing mortgage instructions |
| Precise Mortgages (Charter Court Financial Services Ltd) |
If the mortgage is a buy to let product, any existing or proposed tenancy must comply with the special conditions relating to tenancies. In any other case, please advise the Completions Team at the office issuing the mortgage instructions of the letting. Long Term Lending applications which involve "distressed sales" are not acceptable, i.e. to avoid repossession proceedings and/or sale and rent back arrangements, whereby the vendor will not vacate the property but will continue to reside. |
| Rooftop Mortgages Ltd |
The address and contact details shown on the mortgage offer |
| Sainsbury's Bank | Contact point as detailed in 1.11a |
| Santander UK plc |
Refer to Mortgage Operations office instructing you. |
| Scottish Building Society | |
| Scottish Widows Bank | New Business Processing (see 1.11a) |
| Skipton Building Society |
Applicable to Buy to Let Mortgages only. A mortgage offer will clearly state if it is Buy to Let. If not, report to the Completions Team via LMS Secure Link as the case will need to be re-assessed and, if acceptable, re-offered on a Buy to Let basis. We do not accept Buy to Let applications where members of the family occupy or will occupy the property. For leasehold properties: - the letting must not breach any of the lessee’s covenants; and - consent of the lessor must be obtained if necessary |
| St James Place Bank | Mortgage Administration, St. James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS. |
| The Mortgage Business |
The Mortgage Business PO Box 548, Leeds LS1 1WU Fax no. 08456039009 Applications which involve distressed sales are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST. |
| The Mortgage Lender Limited |
Should you become aware that the borrower intends to rent out the property and the mortgage offer is not for a Buy to Let, OR If the Mortgage offer is for a Buy to Let and you become aware that the borrower or a member of their family intends to reside in the property, You must advise us immediately. Please note that this instruction is also applicable where the product selected permits Holiday and Short Term Lets. completions@themortgagelender.com Tel: 0344 257 0426 |
| The Mortgage Works |
TMW is a buy to let lender. Rent back is not acceptable - you should report to us if the tenant has owned or retains an interest in the property or where the seller is to remain or retain an interest in the property. |
| The Royal Bank of Scotland plc |
As detailed above in 1.11a |
| The Royal Bank of Scotland plc Direct Line Mortgages |
As detailed above in 1.11a. |
| The Royal Bank of Scotland plc Direct Line One |
As detailed above in 1.11a. |
| The Royal Bank of Scotland plc First Active |
Yes, if the borrowing amount (as stated in the Offer) exceeds £500,000. |
| The Royal Bank of Scotland plc Natwest one Account |
As detailed above in 1.11a. |
| The Royal Bank of Scotland plc One Account |
As detailed above in 1.11a. |
| The Royal Bank of Scotland plc Virgin One |
As detailed above in 1.11a. |
| Topaz Finance Ltd |
Topaz Finance Limited Gateway House, Gargrave Road, Skipton, North Yorkshire, BD23 2HL 0345 389 1672 |
| TSB Bank plc | Mortgage Processing (see 1.11a) |
| UCB Home Loans Corporation Ltd | See 1.11a. |
| Ulster Bank |
As detailed above in 1.11a |
| Vida Homeloans | As 1.11a |
| Virgin Money |
Mortgage Processing Operations Virgin Money Gosforth Newcastle upon Tyne NE3 4PL Solicitor Helpline: 0845 604 4858 Solicitor Email: postoffer@virginmoney.com |
| Whistletree (a trading name of TSB Bank plc) | Details as 1.11a |
| Yorkshire Bank Home Loans Ltd |
The team at Yorkshire Bank Sunderland SR43 4JF Tel – 0800 121 4203 |
| Yorkshire Building Society | As 1.11a. |