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Question: 6.7.6. Does the lender need to be sent the professional consultant's certificate?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
Yes, to be sent with the deeds after settlement. |
| Accord Mortgages Ltd | Yes, to be sent with the deeds after settlement. |
| Adam & Company |
No. Offset Flexible Mortgage - Yes, after settlement. |
| Adam & Company International |
No. Offset Flexible Mortgage - Yes, after settlement. |
| Aldermore Bank PLC | Yes, after completion. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Yes but only after completion – see 14.2.2. |
| Atom Bank plc | No - please retain on your file and send a copy to the borrower |
| Aviva Equity Release UK Ltd | Yes |
| Bank of China |
N/A |
| Bank of Ireland (UK) plc |
Yes, to be placed with the title deeds after completion. |
| Bank of Ireland as Bank of Ireland Mortgages | Yes, to be placed with the title deeds after completion. |
| Bank of Scotland Beginning A | Yes |
| Bank of Scotland Beginning O | Yes |
| Barclays Bank UK PLC | No |
| Birmingham Midshires |
No, borrower to retain |
| Bluestone Mortgages | No, but please keep a copy on your file. |
| Bradford & Bingley Limited |
Yes after settlement with the title deeds. |
| Britannia, a trading name of The Co-operative Bank plc |
Yes, certified copy with the Deeds |
| Chelsea Building Society (a trading name of Yorkshire BS) |
Yes, to be sent with the deeds after settlement. |
| Clydesdale Bank plc |
Yes |
| Co-operative Bank plc |
No - borrower(s) to retain. |
| Coutts |
No. Offset Flexible Mortgage - Yes, after settlement. |
| Coventry Building Society | n/a |
| Darlington Building Society | Yes, after settlement. Please place with the title documents. |
| DB UK Bank Ltd | Yes |
| Ecology Building Society |
Yes, after settlement |
| First Direct | A copy must be sent to the borrower and a copy must be retained with the title deeds. |
| Foundation Home Loans | Yes - a copy is required to be sent to us and you must retain a copy on your file. The borrower is to retain the original. |
| 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| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market.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 | n/a |
| 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 with the title deeds. |
| Handelsbanken | Yes following completion. |
| Hodge | No, please pass to the borrowers for safe keeping and retain a copy for your file |
| Hodge Equity Release | No, please pass to the borrowers for safe keeping and retain a copy for your file |
| HSBC UK Bank plc | A copy must be sent to the borrower and a copy must be retained with the title deeds. |
| HSMS |
Yes after settlement with the title deeds |
| Intelligent Finance |
Yes, after settlement. |
| ITL Mortgages | n/a |
| 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 following completion. |
| Landbay Partners Limited | Yes. This needs to be sent to us after completion. |
| 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, if we have confirmed we are happy to proceed on this basis. |
| LendInvest | No, but you must keep a copy on your file. |
| LiveMore Capital | Yes. Please send to the address shown in 1.11a, or as advised by the offer |
| Lloyds Bank plc pre fixed 40 | No |
| Lloyds Bank plc pre fixed 50 | No |
| Lloyds TSB Scotland plc | No |
| M&S Bank | We do not accept professional consultant certificates |
| Magellan Homeloans | No, this is to be placed with the documents for the customer(s) own retention. You must ensure that the customer(s) are made aware of the importance of retaining this document. |
| Masthaven Bank | No, but please keep a copy with your file. |
| Metro Bank Plc | Not accepted by Metro Bank. |
| Mortgage Agency Services | Yes |
| 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 |
None - 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 title documents. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Yes, if accepted, placed with the deeds |
| Precise Mortgages (Charter Court Financial Services Ltd) | No. This is to be placed with the documents for the customer(s) own retention. You must ensure that the customer(s) are made aware of the importance of retaining this document. |
| Rooftop Mortgages Ltd |
Yes. Please place with the title deeds |
| Sainsbury's Bank | No, this should be retained by the borrower. |
| Santander UK plc |
Where title is registered in the Land Register - No, borrower(s) to retain. Where title is recorded in the General Register of Sasines - Yes, after settlement. |
| Scottish Building Society | Yes |
| Scottish Widows Bank | No |
| Skipton Building Society |
Pre-completion, you must provide a copy of the certificate to the Completions Team via LMS Secure Link before or with the Certificate of Title . Post-completion, see 14.2.2. |
| St James Place Bank |
Yes, after completion. |
| The Mortgage Business |
Yes, after settlement. Please place with Title documents |
| 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 |
| 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 | |
| The Royal Bank of Scotland plc First Active |
If our letter of instruction to you is issued before 22 June 2009 - Yes, after settlement. If our letter of instruction is issued on or after 22 June 2009 - No. |
| The Royal Bank of Scotland plc Natwest one Account |
Yes, after settlement. |
| The Royal Bank of Scotland plc One Account |
Yes, after settlement. |
| The Royal Bank of Scotland plc Virgin One |
Yes, after settlement |
| Topaz Finance Ltd |
Yes, after settlement. |
| TSB Bank plc | No |
| UCB Home Loans Corporation Ltd |
Yes - after completion, with the deeds. |
| Ulster Bank |
Yes, after settlement. |
| Vida Homeloans | N/A |
| 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 settlement with the title deeds. |
| Yorkshire Bank Home Loans Ltd |
Yes |
| Yorkshire Building Society |
Yes, to be sent with the deeds after settlement. |