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Question: 8.1. May I also advise any of the specified third parties?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
Yes, provided you are satisfied that: * there is no conflict of interest in giving such advice; and * by doing so the document being signed will not be open to challenge. |
| Accord Mortgages Ltd |
Yes, provided you are satisfied that: * there is no conflict of interest in giving such advice; and * by doing so the document being signed will not be open to challenge. |
| Adam & Company |
No. You must strongly recommend to anyone intending to guarantee the mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions. |
| Adam & Company International |
No. You must strongly recommend to anyone intending to guarantee the mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions. |
| Aldermore Bank PLC |
No, however another Solicitor within your practice may provided you are satisfied there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge. Borrowers that do not personally benefit from the loan must execute our Certificate of Independent Advice form. Please refer to 1.11 where a copy is required. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | You must strongly advise such third parties to seek independent legal advice. Please note you should not disclose any confidential documents relating to the mortgage to any third parties unless both we and the borrower provide our express consent. |
| Atom Bank plc | No they must receive independent legal advice |
| Aviva Equity Release UK Ltd | No |
| Bank of China | No |
| Bank of Ireland (UK) plc |
No to bullet point 1 of clause 8.1. - unless you comply with the relevant conditions set out in the Offer if the borrower has received a First Start mortgage offer. No to bullet point 2 of clause 8.1. Yes to bullet point 3 of clause 8.1. |
| Bank of Ireland as Bank of Ireland Mortgages |
No to bullet point 1 of clause 8.1 - unless you comply with the relevant conditions set out in the Offer if the borrower has received a First Start mortgage offer. No to bullet point 2 of clause 8.1. Yes to bullet point 3 of clause 8.1. |
| Bank of Scotland Beginning A | No |
| Bank of Scotland Beginning O | No |
| Barclays Bank UK PLC |
Yes, in accordance with Part 1, provided that the solicitor is satisfied there is no conflict of interest and that the document will not be open to legal challenge. We require that Independent legal advice be given in the following scenarios: • Where part of the loan is not for the benefit of all joint Borrowers Independent legal advice is required for the borrower not benefitting only where that part of the loan exceeds £50,000. • Independent legal advice is required for any borrower who will not also be a proprietor of the subject property • Independent legal advice is required for individuals opening a ‘Helpful Start account’ and providing a surety as part of Barclays ‘Family Springboard’ proposition. |
| Birmingham Midshires | Yes, provided that you are satisfied that by doing so neither the transaction nor the documentation will be open to challenge. |
| Bluestone Mortgages | No |
| Bradford & Bingley Limited |
Yes, if you are satisfied that by doing so the document being signed would not be open to challenge. |
| Britannia, a trading name of The Co-operative Bank plc |
Yes unless you believe there is a conflict of interest |
| Chelsea Building Society (a trading name of Yorkshire BS) |
Yes, provided you are satisfied that * there is no conflict of interest in giving such advice and * by doing so the document being signed will not be open to challenge. |
| Clydesdale Bank plc | Yes |
| Co-operative Bank plc |
Yes, provided that you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge. |
| Coutts |
No. You must strongly recommend to anyone intending to guarantee the mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions. |
| Coventry Building Society | Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge. |
| Darlington Building Society | Yes, Provided that you are satisfied that by doing so neither the transaction nor the standard security will be open to challenge. |
| DB UK Bank Ltd | No |
| Ecology Building Society | No |
| First Direct |
Yes, provided that you are satisfied that you do not have any conflict of interest which prevents you advising the third party fully. If this is not the case you must arrange for them to see an independent conveyancer. We require any borrower who is a legal owner of the property but who will not personally benefit from the loan either at all or equally with the other borrower to obtain Independent Legal Advice where either the amount or portion of the loan from which they will not benefit exceeds £50,000. |
| Foundation Home Loans | Yes, provided you are satisfied that there is no conflict of interest and neither the transaction nor the documentation will be open to challenge. |
| Furness Building Society |
Yes, provided you are satisfied there is no conflict of interest and that by doing so the documents signed will not be open to challenge. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Godiva Mortgages Ltd | Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so all the document being signed will not be open to challenge. |
| Halifax | Yes, provided that you are satisfied that by doing so neither the transaction nor the documentation will be open to challenge. |
| Halifax Loans Ltd |
Yes, if you are satisfied that by doing so the document being signed will not be open to challenge. |
| Hampden & Co. plc | Advice may only be given subject to written approval from us. |
| Handelsbanken | Yes, provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge. |
| Hodge | No |
| Hodge Equity Release | No |
| HSBC UK Bank plc |
Yes, provided that you are satisfied that you do not have any conflict of interest which prevents you advising the third party fully. If this is not the case you must arrange for them to see an independent conveyancer. We require any borrower who is a legal owner of the property but who will not personally benefit from the loan either at all or equally with the other borrowers to obtain Independent Legal Advice where either the amount or portion of the loan from which they will not benefit exceeds £50,000. |
| HSMS | |
| Intelligent Finance |
Yes, if you are satisfied that by doing so the document being signed will not be open to challenge. |
| ITL Mortgages | Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge. |
| Kensington Mortgage Company Ltd |
No, they must receive independent legal advice |
| Landbay Partners Limited | You may not advise any guarantor. Please see our instructions to you for our requirements in relation to independent legal advice. |
| Landmark Mortgages Limited |
Please refer to us for instructions. Contact details: Porting Team Landmark Mortgages PO Box 656 Durham DH1 9LY OR Landmark Mortgages DX 727483, Sunderland 13 Tel: 0330 159 7172 |
| Leeds Building Society |
Yes (except Guarantors) provided there is no conflict of interest. You must not advise any Guarantor. |
| Legal & General Home Finance Ltd | No |
| LendInvest | No, they must receive independent legal advice. |
| LiveMore Capital | No, they must receive independent advise unless otherwise agreed by us in writing. |
| Lloyds Bank plc pre fixed 40 | No |
| Lloyds Bank plc pre fixed 50 | Yes |
| Lloyds TSB Scotland plc | Yes |
| M&S Bank |
Yes, provided that you are satisfied that you do not have any conflict of interest which prevents you advising the third party fully. If this is not the case you must arrange for them to see an independent conveyancer. We require any borrower who is a legal owner of the property but who will not personally benefit from the loan either at all or equally with the other borrowers to obtain Independent Legal Advice where either the amount or portion of the loan from which they will not benefit exceeds £50,000. You must strongly recommend to any person intending to execute a Letter of Consent and Postponement by Deed to the mortgage that they obtain Independent Legal Advice. |
| Magellan Homeloans | You must satisfy yourself that you are not conflicted and that the enforceability of the document being signed is not at risk of being challenged. |
| Masthaven Bank | No. |
| Metro Bank Plc | No, they must receive independent legal advice. |
| Mortgage Agency Services | No |
| Mortgage Express |
Yes, if you are satisfied that by doing so the document being signed would not be open to challenge. |
| Mortgage Express No 2 |
Yes, if you are satisfied that by doing so the document being signed would not be open to challenge |
| National Westminster Bank plc |
No. You must strongly recommend to anyone intending to guarantee the mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions. |
| Nationwide Building Society | Only those listed at 8.1 bullet point 3 |
| Nedbank Private Wealth Ltd | Please refer to us for instructions. |
| New Street Mortgages |
No, they must receive independent legal advice |
| NRAM Ltd | Please refer to us for instructions. Contact details as at 1.11a. |
| Paragon Buy to Let Mortgages | Yes, provided that you are satisfied that you do not have any conflict of interests which prevents you from advising the third party fully. If this is not the case, you must arrange for them to see an independent conveyancer. See our Supplemental Instructions and Guidance Notes. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
Yes unless you believe there is a conflict of interest |
| Precise Mortgages (Charter Court Financial Services Ltd) | Yes ? if you are satisfied that by doing so the document being signed would not be open to challenge and provided there is no conflict of interest. |
| Rooftop Mortgages Ltd |
No. It is a matter for your professional judgement whether another Solicitor in your firm may do so. |
| Sainsbury's Bank |
Yes provided: (a) you are satisfied that there is no conflict of interest in giving such advice; (b) by doing so the document being signed will not be open to challenge; (c) Our Independent legal advice form is completed |
| Santander UK plc | No. |
| Scottish Building Society | No. |
| Scottish Widows Bank | No |
| Skipton Building Society |
Yes, providing you are satisfied that you can give independent advice and the third party has agreed to retain you. Otherwise please notify: (i) Completions Team via LMS Secure Link (ii) Commercial Servicing Team and advise which firm has been retained by the third party to give the independent advice. |
| St James Place Bank | Yes, if you are satisfied that by doing so the document being signed will not be open to challenge. |
| The Mortgage Business | No |
| The Mortgage Lender Limited |
Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge. If you wish to offer such advice, you must complete our Independent Legal Advice form, which is available from the Completions Team at the address stated on the mortgage offer instructions. |
| The Mortgage Works |
No, however another partner in the firm may, if you are satisfied they can give independent advice and by doing so, the document will not be open to challenge. |
| The Royal Bank of Scotland plc |
No. You must strongly recommend to anyone intending to guarantee the mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions. |
| The Royal Bank of Scotland plc Direct Line Mortgages | No |
| The Royal Bank of Scotland plc Direct Line One | |
| The Royal Bank of Scotland plc First Active | |
| The Royal Bank of Scotland plc Natwest one Account | No |
| The Royal Bank of Scotland plc One Account |
No. |
| The Royal Bank of Scotland plc Virgin One | No |
| Topaz Finance Ltd | Yes, if you are satisfied that by so doing the document being signed will not be open to challenge and there there is no conflict of interest arising in your so advising. Guarantors and spouses of Borrowers must not be advised by your firm. |
| TSB Bank plc | Yes |
| UCB Home Loans Corporation Ltd |
No, however another partner in the firm may if you are satisfied they can give independent advice and by doing so the document will not be open to challenge |
| Ulster Bank | No |
| Vida Homeloans | No, they must receive independent legal advice. |
| Virgin Money |
Mortgage Processing Operations Virgin Money Jubilee House Gosforth Newcastle upon Tyne NE3 4PL or DX 60350 Gosforth Solicitors Helpline: 0845 604 4858 |
| Whistletree (a trading name of TSB Bank plc) | Please refer to us for instructions. Contact details as at 1.11. |
| Yorkshire Bank Home Loans Ltd | Yes |
| Yorkshire Building Society |
Yes, provided you are satisfied that: * there is no conflict of interest in giving such advice and * by doing so the document being signed will not be open to challenge. |