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Question: 6.7.4. Does the lender accept monitoring by a professional consultant?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
Yes, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate. |
| Accord Mortgages Ltd | Yes, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate. |
| Adam & Company | Yes |
| Adam & Company International |
Yes |
| Aldermore Bank PLC |
Yes, provided there are no more than 15 properties in the development and the building work has been monitored by a professional consultant, providing a certificate that meets the requirements of 6.7.4 and 6.7.5. We do not have our own form of certificate. |
| 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 | Yes, provided that any certificate given by a professional consultant meets the requirements of the Handbook and the professional consultant carries and adequate amount of professional indemnity insurance. |
| Aviva Equity Release UK Ltd | Yes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance of at least £1 million and the professional consultant has provided the Professional Consultant’s Certificate in the format set by the CML. A retrospective Professional Consultant's Certificate will not be accepted. |
| Bank of China | No |
| Bank of Ireland (UK) plc |
Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.7.4 & 6.7.5 and in the form of Appendix 1) is provided as an alternative. |
| Bank of Ireland as Bank of Ireland Mortgages | Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.6.4 & 6.6.5 and in the form of Appendix 1) is provided as an alternative. |
| Bank of Scotland Beginning A | Yes provided there are no more than 15 properties on a development site. |
| Bank of Scotland Beginning O | Yes provided there are no more than 15 properties on a development site. |
| Barclays Bank UK PLC | Yes, provided that the consultant is professionally qualified, has provided a professional consultant's certificate in the format set by the UKF, and carries an adequate amount of indemnity insurance and you have received documentary evidence to prove this together with any requisite local authority sign off. |
| Birmingham Midshires | Yes, provided that this complies with the provisions set out under sections 6.7.4, 6.7.5, and 6.7.6 of Part 1 and provided there are no more than 15 properties on the development site. |
| Bluestone Mortgages | Yes, providing the Consultant's PI insurance is verified by the borrower's solicitor. |
| Bradford & Bingley Limited | Yes |
| Britannia, a trading name of The Co-operative Bank plc |
Yes if suitable qualification is held (see part 1) |
| Chelsea Building Society (a trading name of Yorkshire BS) |
Yes, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate. |
| Clydesdale Bank plc |
Yes, if the if the following criteria are met: • the property is a one-off house or a flat in a converted house, we won’t lend if the property is part of a new build estate or a new build block of flats; and • a Professional Consultant’s Certificate must be available upon completion. That certificate must meet the requirements set out alongside this Handbook on the UK Finance’s website. The supervision and the inspections required by the Professional Consultant Certificate must not be done retrospectively. We will not accept a Professional Consultant Certificate issued by a new home warranty provider unless that new home warranty provider is on our approve list contained in section 6.7.1 of this Handbook. |
| Co-operative Bank plc |
Yes, if suitable qualification is held (see Part 1) and it complies with the requirements of section 6 of the Lenders' Handbook. |
| Coutts |
Yes |
| Coventry Building Society |
Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old). |
| Darlington Building Society | Yes-but the building work must be monitored of (if completed)have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant Certificate in the CML form. In addition you must confirm the certificate was issued prior to exchange of contracts. |
| DB UK Bank Ltd |
Architects registered with the ARCUK (Architects Registration Council of the UK)or Architectural Technologists (BIAT qualified). The solicitor must ensure that appropriate professional indemnity insurance is in place. The following minimum limits of indemnity must be maintained: £250,000 where the gross fee income of the practice in the last financial year was less that £100,000 £500,000 where the gross fee income of the practice in the last financial year was between £100,000 and £200,000 £1,000,000 where the gross fee income of the practice in the last financial year exceeded £200,000 |
| Ecology Building Society | Yes |
| First Direct |
Yes if an appropriate Professional Consultant's Certificate (PCC) is available (complying with the requirements set out in parts 6.7.4 & 6.7.5) and the conditions below are met. A PCC is only acceptable for newly built homes within: a) A development of no more than 10 properties. b) If the property is a flat or maisonette, a PCC must be available for the common parts and the structure of the building if these are part of the new build/conversion works. Please note: • Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable. • The Professional Consultant’s Certificate (PCC) must be in the format set by UKF with no changes from the standard template. If the PCC is issued by a Warranty provider they must be on the approved list of new home warranty schemes in section 6.7.1 |
| Foundation Home Loans |
Yes, but the building work must be monitored or (if completed) have been monitored during construction by a professional consultant holding a qualification listed in section 6.7.4. The professional consultant must have provided the Professional Consultant’s Certificate in the format set out by UK Finance and it must be compliant with 6.7.4 and 6.7.5. A retrospective Professional Consultant's Certificate is not acceptable. Where the Property comprises a flat within a building, the Professional Consultants Certificate must also cover all common parts (including the structure) of the building and must be available prior to completion of the loan. |
| Furness Building Society |
Yes, subject to strict compliance with paras 6.7.4 and 6.7.5 of Part 1 of the Lenders' Handbook. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd |
Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old) |
| Halifax |
Yes provided there are no more than 15 properties on the develoment site. |
| Halifax Loans Ltd |
Yes, after settlement. Please place with the title documents. |
| Hampden & Co. plc | Yes. |
| Handelsbanken | In most cases yes, provided consultant is acceptable to us. If not covered in your instruction letter please refer to the Branch office instructing you. |
| Hodge | Yes, provided that any certificate given by a professional consultant meets the requirements of the Handbook and the professional consultant carries an adequate amount of professional indemnity insurance. |
| Hodge Equity Release | Yes, provided that any certificate given by a professional consultant meets the requirements of the Handbook and the professional consultant carries an adequate amount of professional indemnity insurance |
| HSBC UK Bank plc |
Yes if an appropriate Professional Consultant's Certificate (PCC) is available (complying with the requirements set out in parts 6.7.4 & 6.7.5) and the conditions below are met. A PCC is only acceptable for newly built homes within: a) A development of no more than 10 properties. b) If the property is a flat or maisonette, a PCC must be available for the common parts and the structure of the building if these are part of the new build/conversion works. Please note: • Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable. • The Professional Consultant’s Certificate (PCC) must be in the format set by UKF with no changes from the standard template. If the PCC is issued by a Warranty provider they must be on the approved list of new home warranty schemes in section 6.7.1 |
| HSMS |
Yes after settlement with the title deeds |
| Intelligent Finance |
Yes, provided there are not more than 15 properties in a development site |
| ITL Mortgages |
Yes if an appropriate Professional Consultant's Certificate is available (a Consultant's Certificate is not required for properties over 10 years old) |
| Kensington Mortgage Company Ltd |
Yes, providing the professional consultant is an architect registered with the Architects Registration Board. |
| Landbay Partners Limited | Yes if you have obtained evidence that the professional consultant has suitable current professional indemnity insurance cover. |
| Landmark Mortgages Limited | Yes. |
| Leeds Building Society | Yes. |
| Legal & General Home Finance Ltd | Please refer to Underwriting Department. |
| LendInvest | No |
| LiveMore Capital | Yes providing the property was built under the supervision of a person with one of the following qualifications listed in Section 6.7.4 and provided they have suitable PI cover in force. |
| Lloyds Bank plc pre fixed 40 |
Yes, provided there are no more than 15 properties on the development |
| Lloyds Bank plc pre fixed 50 | Yes |
| Lloyds TSB Scotland plc | Yes |
| M&S Bank | no |
| Magellan Homeloans | Please refer to Issuing Office. |
| Masthaven Bank | Yes, provided the requirements of 6.7.4 are met. |
| Metro Bank Plc | Not accepted by Metro Bank. |
| Mortgage Agency Services |
Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY |
| Mortgage Express |
Yes |
| Mortgage Express No 2 | Yes |
| National Westminster Bank plc |
Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts. |
| Nationwide Building Society |
Yes if an appropriate Professional Consultant's Certificate (PCC) is available. A PCC is only acceptable for newly built homes within a) A development of no more than 10 units b) A continuous structure (for example, a row of terrace houses or block of flats) of no more than 4 units within the structure. Please note a PCC is also required for newly converted or recently significantly altered or refurbished homes. Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable. A PCC is not required if the property, conversion or significant alteration/refurbishment is over 5 years old. |
| Nedbank Private Wealth Ltd | Please refer to us for instructions. |
| New Street Mortgages |
Yes, providing the professional consultant is an architect registered with the Architects Registration Board. |
| NRAM Ltd | Yes |
| Paragon Buy to Let Mortgages | Yes, provided that it complies with the requirements of section 6 of the Lenders Handbook. |
| 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) | Yes. |
| Rooftop Mortgages Ltd |
Yes, providing the consultant's professional indemnity has been verified |
| Sainsbury's Bank | Yes, where the property has been built/converted within the last 6 years and the Professional Consultant’s Certificate complies with Section 6 of the Lender’s Handbook. Certification to be accompanied by evidence of professional indemnity cover. |
| Santander UK plc |
We will only accept properties which have been supervised by professionals who hold one or more of the qualifications listed under Part 1, with the exception of fellow or member of the Architecture and Surveying Institute (FASI or MASI). Where the professional has not supervised construction from the start the PCC will not be acceptable. The PCC must be in the format provided in the appendix to the UKF Handbook – no amendments to the wording of the template are acceptable. PCC's are only acceptable for single properties or small developments of up to 10 units Where our security comprises of a flat in a converted property of no more than 4 units, but the warranty cannot be provided, this is acceptable provided there are planning and building regulation approvals, a Completion Certificate is available and provided that all our other requirements stated in the Handbook can be met. |
| Scottish Building Society | Yes |
| Scottish Widows Bank | Yes |
| Skipton Building Society | Yes, provided there are no more than 15 residential units on the development site and that construction has been monitored by a professional consultant (limited to an Architects or Architectural Technologists Certificate) |
| St James Place Bank | Yes |
| The Mortgage Business | Yes. Provided there are not more than 15 properties on a development site. |
| The Mortgage Lender Limited | Yes, provided that a professional consultant’s certificate is available and a copy has been sent to us prior to the exchange of contracts in the case of a purchase or before completion in the case of a remortgage. |
| The Mortgage Works |
Yes if an appropriate Professional Consultant's Certificate (PCC) is available. A PCC is only acceptable for newly built homes within a) A development of no more than 10 units b) A continuous structure (for example, a row of terrace houses or block of flats) of no more than 4 units within the structure. Please note a PCC is also required for newly converted or recently significantly altered or refurbished homes. Retrospective certificates by a professional who has not supervised the project from the start and inspected the build at regular intervals are not acceptable. A PCC is not required if the property, conversion or significant alteration/refurbishment is over 5 years old. |
| The Royal Bank of Scotland plc | Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts. |
| The Royal Bank of Scotland plc Direct Line One |
Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts. |
| The Royal Bank of Scotland plc First Active |
Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts. |
| The Royal Bank of Scotland plc Natwest one Account |
Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts. |
| The Royal Bank of Scotland plc One Account |
Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts. |
| The Royal Bank of Scotland plc Virgin One |
Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant's Certificate in the CML form. In addition you must confirm the Certificate was issued prior to exchange of contracts. |
| Topaz Finance Ltd | Yes |
| TSB Bank plc | Please refer to Mortgage Processing. Please see 1.11a. |
| UCB Home Loans Corporation Ltd | Yes |
| Ulster Bank | Yes |
| Vida Homeloans | No |
| Virgin Money |
Yes, if the if the following criteria are met: • the property is a one-off house or a flat in a converted house, we won’t lend if the property is part of a new build estate or a new build block of flats; and • a Professional Consultant’s Certificate must be available upon completion. That certificate must meet the requirements set out alongside this Handbook on the UK Finance’s website. The supervision and the inspections required by the Professional Consultant Certificate must not be done retrospectively. We will not accept a Professional Consultant Certificate issued by a new home warranty provider unless that new home warranty provider is on our approve list contained in section 6.7.1 [6.6.1] of this Handbook. |
| Whistletree (a trading name of TSB Bank plc) | Yes |
| Yorkshire Bank Home Loans Ltd |
Yes, if the if the following criteria are met: • the property is a one-off house or a flat in a converted house, we won’t lend if the property is part of a new build estate or a new build block of flats; and • a Professional Consultant’s Certificate must be available upon completion. That certificate must meet the requirements set out alongside this Handbook on the UK Finance’s website. The supervision and the inspections required by the Professional Consultant Certificate must not be done retrospectively. We will not accept a Professional Consultant Certificate issued by a new home warranty provider unless that new home warranty provider is on our approve list contained in section 6.7.1 of this Handbook. |
| Yorkshire Building Society |
Yes, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate. |