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Question: 6.6.3. Conditions that apply to the letting:

Lender Answer
Accord Buy to Let Where the loan is explicitly identified in the Mortgage Offer as a Buy To Let mortgage, we require you to verify that the letting meets our requirements as set out in the Mortgage Conditions (available as downloadable pdf at: https://www.accordmortgages.com/btl/lawyers/index.html).
We also 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 If we agree to the letting, any conditions that apply will be set out in the mortgage offer and/or any consent to let we issue.
Adam & Company See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
Adam & Company International See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
Aldermore Bank PLC If we agree to the letting, any conditions that apply will be set out in the Mortgage Offer.
Allied Irish Bank (GB), a trading name of AIB Group (UK) These will be set out in the mortgage offer. In addition you must ensure that those conditions and all necessary registrations, licenses and consents have been obtained for the letting of the property before the mortgage completes.
Atom Bank plc The conditions that apply to letting will be contained in the mortgage offer or the consent to let. We will not lend if the property is a House in Multiple Occupancy.
Aviva Equity Release UK Ltd 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.
Bank of China Private Residential Tenancy only acceptable. Houses in Multiple Occupation are not acceptable.
Bank of Ireland (UK) plc Please refer to 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 Please refer to the Offer. The letting must be on a short assured or a private residential tenancy as applicable.
Bank of Scotland Beginning A You must ensure that all necessary consents and licenses for use of the property have been obtained before the mortgage completes.
Bank of Scotland Beginning O You must ensure that all necessary consents and licenses for use of the property have been obtained before the mortgage completes.
Barclays Bank UK PLC Issuing Office
Birmingham Midshires You must ensure that all necessary consents and licences for use of the property have been obtained before the mortgage completes.
Bluestone Mortgages Please see the mortgage conditions and any relevant conditions in the mortgage offer.
Bradford & Bingley Limited These are set out in our mortgage offer as an offer condition the wording of the condition is

We consent to the property being let and you undertake to let the property during the mortgage term as follows : -
(a) You must only use the property for residential purposes and must not change the use of the property;
(b) The property must be let or be being actively marketed for letting within 3 months of completion and during the rest of the mortgage term be let or be being actively marketed for letting . On completion, the property must be either vacant or let on a tenancy of a type set out in paragraph (f) below; You are not allowed to live in the property.
(c) Unless we give specific consent by way of offer condition the property may only be let as one unit under one tenancy agreement as set out in paragraph (f) below. We will not accept letting of one unit with multiple tenancy agreements. You must not make any alteration to the property to enable you to use it as multiple units.
(d) You must comply with any obligations to licence the property and/or you. In particular, you must comply with all relevant regulations that apply to a house in multiple occupation including the requirement to obtain a licence for the property and/or you. If for any reason you cannot comply with these regulations you must inform us immediately.
(e) The property must not be let to :
· anyone possessing any form of diplomatic immunity;
· anyone receiving any DSS benefits;
· anyone who is a relative of you; and/or
· any letting to a company of any form who then sublet.
(f) The property may only be let on one of the following types of tenancy:
i) A single assured shorthold tenancy (or in Scotland short assured tenancy) (AST) for a fixed term of no more than 12 months. Where a new AST is to be granted, the following notices must be served before the tenancy is completed:
· in England & Wales, under Grounds 1 and 2 of Schedule 2 of the Housing Act 1988 (as amended);
· in Scotland, under Grounds 1 and 2 of Schedule 5 of the Housing (Scotland) Act 1988 and notice of short assured tenancy agreement under s32 Housing (Scotland) Act 1988;
· in Northern Ireland notices are not required.
Where you are not letting the property immediately or the property is subject to an existing tenancy then our solicitor must obtain an undertaking from you to serve these notices in any future lettings.
ii) If the tenancy would be an AST except for the fact that the rent received for letting the property exceeds £25,000, our solicitor must ensure that the tenancy agreement that the property may be subject to on completion is not one that will grant the tenant any security of tenure that is in excess of that security that would be granted by an assured shorthold tenancy. Where you are not letting the property immediately or the property is subject to an existing tenancy then our solicitor must obtain an undertaking from you to serve these notices in any future lettings.
iii) Letting to students as prescribed by Schedule 1 to the Housing Act 1988 (i.e. the property must be let through a university or other publicly funded institution of further or higher education) for a term of no more than 12 months. Lettings direct to students are also acceptable provided they satisfy paragraph (f)(i) of this offer condition.
iv) Letting to a local authority or a registered social landlord (i.e. housing association) for a term of not more than 5 years. We will not accept letting where the tenant is a company who lets to a local authority or a registered social landlord.
v) Letting to a UK registered limited company who in turn allows one of its employees (and their immediate family) to reside at the property under licence only while employed by the limited company.
If you wish to grant a tenancy other than as specified in this offer condition, our specific consent must be obtained before doing so;
(g) All tenancy agreements must be on the basis that the rent is paid monthly and that no premium is paid.
(h) In any tenancy to a local authority, registered social landlord (i.e. housing association) or Limited Company our solicitor must ensure (for letting during the mortgage term you must ensure) that :
· you give to the tenant irrevocable authority to pay rent and all sums due under the terms of that tenancy direct to us if, at any time, we ask the tenant to do so; and
· in paying such sums direct to us the tenant would be complying with its obligation to pay those sums to you.
(i) If at any time we ask the tenant to pay money direct to us in accordance with paragraph (j), you give us irrevocable authority to to use the whole amount to reduce the debt. The total amount paid will relate to the property and not to any furnishings or other items on it.
(j) All tenancies must be fully set out in writing, all of you must sign the tenancy agreement as landlord and our solicitor must ensure that any letting will satisfy these letting conditions and that it otherwise does not prejudice our security. If our solicitor cannot comply with this they must inform us prior to completion, setting out the risks and their recommendations.
Britannia, a trading name of The Co-operative Bank plc We do not lend on a property that is to be let or will be let on completion.
Chelsea Building Society (a trading name of Yorkshire BS) If we agree to the letting, any conditions that apply will be set out in the mortgage offer and/or any consent to let we issue.
Clydesdale Bank plc Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Co-operative Bank plc Refer to contact details in 1.11a earlier.
Coutts See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
Coventry Building Society New Lending Department,
Oakfield House,
PO Box 600, Binley,
Coventry,
CV3 9YR
Darlington Building Society You must ensure that all necessary consents and licences for rental use of the property have been obtained before the mortgage completes.
DB UK Bank Ltd Please contact the lender
Ecology Building Society Contact Mortgage Department
First Direct We do not lend on property that is let or is to be let at completion
Foundation Home Loans The property must be let under an approved Private Residential Tenancy (PRT) at or within 3 months of completion. The Mortgage Offer will set out our specific requirements for any letting of the property. Any queries regarding standard or special mortgage conditions for letting the property should be referred to us, see 1.11.a.
Furness Building Society Please contact the lender.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd New Lending Department, Godiva House
Binley Business Park,
Harry Weston Road,
Coventry
CV3 2TB
Halifax You must ensure that all the necessary consents and licenses for use of the property have been obtained before the mortgage completes.
Halifax Loans Ltd Please contact the lender.
Hampden & Co. plc See mortgage offer for any conditions that may apply and / or any consent to let.
Please advise us immediately if the property is an HMO.
Handelsbanken Refer to Branch office instructing you.
Hodge If we agree to the letting, any conditions that apply will be set out in the mortgage offer and/or any consent to let we issue.
Hodge Equity Release If we agree to the letting, any conditions that apply will be set out in the mortgage offer and/or any consent to let we issue.
HSBC UK Bank plc Our requirements are:
1. The agreement between the mortgagor and the tenant(s) must not result in the tenant(s) having the benefit of any security of tenure over and above the contractual term of the tenancy:
2. The Bank must be able to obtain vacant possession if required.
3. The tenancy agreement, and the entry into of it, must be valid and properly constituted.
4. If the property is leasehold tenure, the heritable owner’s consent must be obtained.
5. The tenancy agreement must be a Private Residential Tenancy in accordance with the Private Housing (Tenancies) (Scotland) Act 2016. Where the Bank will be taking a Buy to Let Mortgage and the existing tenancy will remain in place after completion of the mortgage, the tenancy must be a Private Residential Tenancy (or a Short Assured Tenancy if the tenancy is dated before 1 December 2017) which meets all of the statutory requirements and satisfy the following criteria:

i. The tenant must be an individual;
ii. The property must be occupied as the tenant’s only or principal home with no right to sublet or part with possession of all or part of the property.

For any other type of tenancy, the Bank will require sight of the proposed agreement for approval prior to completion.

The bank will not give consent to:
- Lifetime tenancies.
- Participation in schemes such as AirBnB
- Company lettings.
HSMS Please contact the lender.
Intelligent Finance Please contact the lender.
ITL Mortgages New Lending Department,
Oakfield House,
PO Box 600, Binley,
Coventry,
CV3 9YR
Kensington Mortgage Company Ltd Please contact the lender.
Landbay Partners Limited The letting must comply with our buy-to-let conditions.
Landmark Mortgages Limited Please refer to the Offer of Loan.
Leeds Building Society Please contact the lender.
Legal & General Home Finance Ltd Not applicable as tenancies are not permitted.
LendInvest Your attention is drawn to the terms of the mortgage offer and incorporated general mortgage conditions.

Without limiting the above, the tenancy agreement must create a valid and property constituted Tenancy for a term that must not exceed 12 months, Vacant posession must be obtainable at the end of the term if required. The rent payable must be the full market value rent.
LiveMore Capital N/A
Lloyds Bank plc pre fixed 40 Please see the mortgage offer.
Lloyds Bank plc pre fixed 50 See Mortgage Offer
Lloyds TSB Scotland plc See Mortgage Offer
M&S Bank we do not lend on tenanted properties. If a tenancy is present please report to us
Magellan Homeloans Issuing Office
Masthaven Bank Refer to the Mortgage Offer.
Metro Bank Plc See Mortgage Offer & Mortgage Terms & Conditions
Mortgage Agency Services Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage Express These are set out in our mortgage offer as an offer condition. The condition reads

We consent to the property being let and you undertake to let the property during the mortgage term as follows : -
(a) You must only use the property for residential purposes and must not change the use of the property;
(b) The property must be let or be being actively marketed for letting within 3 months of completion and during the rest of the mortgage term be let or be being actively marketed for letting . On completion, the property must be either vacant or let on a tenancy of a type set out in paragraph (f) below; You are not allowed to live in the property.
(c) Unless we give specific consent by way of offer condition the property may only be let as one unit under one tenancy agreement as set out in paragraph (f) below. We will not accept letting of one unit with multiple tenancy agreements. You must not make any alteration to the property to enable you to use it as multiple units.
(d) You must comply with any obligations to licence the property and/or you. In particular, you must comply with all relevant regulations that apply to a house in multiple occupation including the requirement to obtain a licence for the property and/or you. If for any reason you cannot comply with these regulations you must inform us immediately.
(e) The property must not be let to :
· anyone possessing any form of diplomatic immunity;
· anyone receiving any DSS benefits;
· anyone who is a relative of you; and/or
· any letting to a company of any form who then sublet.
(f) The property may only be let on one of the following types of tenancy:
i) A single assured shorthold tenancy (or in Scotland short assured tenancy) (AST) for a fixed term of no more than 12 months. Where a new AST is to be granted, the following notices must be served before the tenancy is completed:
· in England & Wales, under Grounds 1 and 2 of Schedule 2 of the Housing Act 1988 (as amended);
· in Scotland, under Grounds 1 and 2 of Schedule 5 of the Housing (Scotland) Act 1988 and notice of short assured tenancy agreement under s32 Housing (Scotland) Act 1988;
· in Northern Ireland notices are not required.
Where you are not letting the property immediately or the property is subject to an existing tenancy then our solicitor must obtain an undertaking from you to serve these notices in any future lettings.
ii) If the tenancy would be an AST except for the fact that the rent received for letting the property exceeds £25,000, our solicitor must ensure that the tenancy agreement that the property may be subject to on completion is not one that will grant the tenant any security of tenure that is in excess of that security that would be granted by an assured shorthold tenancy. Where you are not letting the property immediately or the property is subject to an existing tenancy then our solicitor must obtain an undertaking from you to serve these notices in any future lettings.
iii) Letting to students as prescribed by Schedule 1 to the Housing Act 1988 (i.e. the property must be let through a university or other publicly funded institution of further or higher education) for a term of no more than 12 months. Lettings direct to students are also acceptable provided they satisfy paragraph (f)(i) of this offer condition.
iv) Letting to a local authority or a registered social landlord (i.e. housing association) for a term of not more than 5 years. We will not accept letting where the tenant is a company who lets to a local authority or a registered social landlord.
v) Letting to a UK registered limited company who in turn allows one of its employees (and their immediate family) to reside at the property under licence only while employed by the limited company.
If you wish to grant a tenancy other than as specified in this offer condition, our specific consent must be obtained before doing so;
(g) All tenancy agreements must be on the basis that the rent is paid monthly and that no premium is paid.
(h) In any tenancy to a local authority, registered social landlord (i.e. housing association) or Limited Company our solicitor must ensure (for letting during the mortgage term you must ensure) that :
· you give to the tenant irrevocable authority to pay rent and all sums due under the terms of that tenancy direct to us if, at any time, we ask the tenant to do so; and
· in paying such sums direct to us the tenant would be complying with its obligation to pay those sums to you.
(i) If at any time we ask the tenant to pay money direct to us in accordance with paragraph (j), you give us irrevocable authority to to use the whole amount to reduce the debt. The total amount paid will relate to the property and not to any furnishings or other items on it.
(j) All tenancies must be fully set out in writing, all of you must sign the tenancy agreement as landlord and our solicitor must ensure that any letting will satisfy these letting conditions and that it otherwise does not prejudice our security. If our solicitor cannot comply with this they must inform us prior to completion, setting out the risks and their recommendations.
Mortgage Express No 2 Please contact the lender.
National Westminster Bank plc See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
Nationwide Building Society Letting at this stage is not normally acceptable, contact Issuing Office for advice
Nedbank Private Wealth Ltd Please refer to us for instructions.
New Street Mortgages If we agree to the letting, any conditions that apply will be set out in the mortgage offer
NRAM Ltd Please refer to the Offer of Loan
Paragon Buy to Let Mortgages The tenancy agreement must create a valid and properly constituted short assured tenancy or private residential tenancy. Vacant possession must be obtainable at the end of the term if required. The rent payable must be the full market rental value. Please also see 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) Letting of the property is prohibited without our written consent.
Rooftop Mortgages Ltd Please contact the lender.
Sainsbury's Bank Please check for any special conditions contained within the Mortgage Offer and also the general buy to let mortgage terms and conditions
Santander UK plc Refer to Mortgage Operations office instructing you unless:

(i) the tenancy is a Short Assured Tenancy drawn up under the Housing (Scotland) Act 1988 and the borrower must give the tenant(s) notice in writing before the tenancy begins (on form AT5) that the tenancy is a Short Assured Tenancy, and that possession of the property may be recovered under either Ground 1 or Ground 2 of Schedule 5 of the Housing (Scotland) Act 1988. The term of each Short Assured Tenancy agreement must not be more than three years.
or
(ii) A Private Residential Tenancy granted under Private Housing (Tenancies) (Scotland) Act 2016 ("the Act") with any appropriate pre-tenancy notices having been served. Notice in writing must be served on the tenant(s) before the tenancy begins that the tenancy is a Private Residential Tenancy and that possession of the property may be recovered under Schedule 3 of the Act
Scottish Building Society Full details of the proposed tenancy are to be supplied for approval by the Society prior to the release of the mortgage funds.
In the event of default the Applicant(s) authorise(s) the Society to collect rent payments directly from the tenant(s) in lieu of outstanding mortgage repayments.
Scottish Widows Bank Individually assessed. Refer to New Business Processing (see 1.11)
Skipton Building Society See mortgage offer.
St James Place Bank Please contact the lender.
The Mortgage Business You must ensure that all necessary consents and licenses for use of the property have been obtained before the mortgage completes.
The Mortgage Lender Limited If the mortgage is for a Buy to Let Property;
completions@themortgagelender.com
Tel: 0344 257 0426

We do not consent to letting on residential (owner occupied) mortgages.
The Mortgage Works Must be on a Short Assured Tenancy or a Private Residential Tenancy, Ground 2 notice must be served on SAT`s, term of tenancy must not be more than 36 months if SAT, landlord must be registered under ASBO licensing arrangement and any agent similarly licensed.
The Royal Bank of Scotland plc See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
The Royal Bank of Scotland plc Direct Line Mortgages See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
The Royal Bank of Scotland plc Direct Line One Please contact the lender.
The Royal Bank of Scotland plc First Active See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
The Royal Bank of Scotland plc Natwest one Account See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
The Royal Bank of Scotland plc One Account See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
The Royal Bank of Scotland plc Virgin One See mortgage offer and/or any consent to let.
Topaz Finance Ltd Address and telephone number on Offer of Advance.
TSB Bank plc See Mortgage Offer
UCB Home Loans Corporation Ltd If consent to letting has been given, any special conditions will appear in the mortgage offer. Must be on a Short Assured Tenancy, Ground 2 notice must be served, term of tenancy must not be more than 12 months, landlord, must be registered under ASBO licensing arrangement and any agent similarly licensed.
Ulster Bank See mortgage offer and/or any consent to let. We will not lend if the property is an HMO. You must advise us immediately if the property is an HMO as we may have to withdraw our offer.
Vida Homeloans Please refer to the Mortgage Offer and Mortgage Offer Summary.
Virgin Money Set out in the Offer.
Whistletree (a trading name of TSB Bank plc) Please refer to the Offer of Loan.
Yorkshire Bank Home Loans Ltd Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Yorkshire Building Society If we agree to the letting, any conditions that apply will be set out in the mortgage offer and/or any consent to let we issue.