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Question: 6.6.3. If different from 1.11, contact point to report any failure by the borrower to obtain licence under the Civic Government (Scotland) Act 1982 (Licensing of houses in Multiple Occupation) Order 2000 as amended.
| Lender | Answer |
|---|---|
| Accord Buy to Let |
As 1.11a. Don't lend on Houses in Multiple Occupation. |
| Accord Mortgages Ltd | As 1.11a |
| Adam & Company |
Not applicable see 6.6.3a above. |
| Adam & Company International |
Not applicable see 6.6.3a above. |
| Aldermore Bank PLC | We will not lend in these circumstances. |
| 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 | We will not lend if the property is a House in Multiple Occupancy |
| Aviva Equity Release UK Ltd |
Aviva does not allow Houses in Multiple Occupation (HMO) |
| Bank of China | We do not lend in these circumstances. |
| Bank of Ireland (UK) plc | See 1.11 |
| Bank of Ireland as Bank of Ireland Mortgages | See 1.11 |
| Bank of Scotland Beginning A |
Please contact the lender. |
| Bank of Scotland Beginning O |
Please contact the lender. |
| Barclays Bank UK PLC |
Issuing Office |
| Birmingham Midshires |
Please contact the lender. |
| Bluestone Mortgages | As per 1.11. |
| Bradford & Bingley Limited | As 1.11a |
| Britannia, a trading name of The Co-operative Bank plc | We do not lend on Houses in Multiple Occupation |
| Chelsea Building Society (a trading name of Yorkshire BS) | As 1.11a. |
| Clydesdale Bank plc |
Mortgage Services PO BOX 3105 Clydebank Glasgow G60 9AU Tel - 0800 121 4203 |
| Co-operative Bank plc | We do not lend on Houses in Multiple Occupation. |
| Coutts |
Not applicable see 6.6.3a above. |
| Coventry Building Society |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| 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 | The property must not be let as a House in Multiple Occupation. |
| Foundation Home Loans | As 1.11a |
| 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| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market.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, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Halifax |
Please contact the lender. |
| Halifax Loans Ltd |
Please contact the lender. |
| Hampden & Co. plc | See 1.11 |
| Handelsbanken | Refer to Branch office instructing you. |
| Hodge | We do not lend on properties that are subject to multiple occupancy. |
| Hodge Equity Release | We do not lend on properties that are subject to multiple occupancy |
| HSBC UK Bank plc | The property must not be let as a House in Multiple Occupation. |
| HSMS | As 1.11a |
| Intelligent Finance |
Please contact the lender. |
| ITL Mortgages |
New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Kensington Mortgage Company Ltd | As 1.11a |
| Landbay Partners Limited | See 1.11a legals@landbay.co.uk |
| 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 | Not applicable as tenancies are not permitted. |
| LendInvest | See 1.11a |
| LiveMore Capital | N/A |
| 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 per 1.11 |
| Mortgage Agency Services |
We do not lend on Houses in Multiple Occupation |
| Mortgage Express |
As 1.11a |
| Mortgage Express No 2 |
As 1.11a |
| National Westminster Bank plc | Not applicable see 6.6.3a above. |
| Nationwide Building Society |
Issuing Office |
| Nedbank Private Wealth Ltd | Please refer to us. |
| 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. |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
We do not lend on Houses in Multiple Occupation |
| Precise Mortgages (Charter Court Financial Services Ltd) |
Any property classed as a House in Multiple Occupation (HMO) will only be acceptable as security if the Mortgage Offer includes a Special Condition headed 'HMO SPECIAL CONDITIONS (SCOTLAND)' and the terms of that special condition are met. Where we have assessed the Property as a HMO, you must: 1. Satisfy yourselves that use as a HMO is authorised by either: a) a valid planning permission, b) certificate of lawful use or c) permitted development rights (PDR) If the Property was converted to and has been used continuously as a HMO under permitted development rights prior to the date of any revocation of PDR following an appropriate Article 4 direction, you must obtain from the Borrower appropriate evidence to demonstrate the continued use of the Property as a HMO prior to the Article 4 direction up to the date of Completion in the form of suitable evidence such as historical Private Residential Tenancies, Short Assured Tenancies or HMO licences and, where applicable, an appropriate statutory declaration from the Seller relating to the continued use of the Property as a HMO; 2. Ensure there are no restrictions on the title preventing or limiting the use of the Property as a HMO (unless an appropriate indemnity policy is put on risk) |
| Rooftop Mortgages Ltd |
Please contact the lender. |
| Sainsbury's Bank | Contact point as detailed in 1.11a |
| Santander UK plc |
It is the responsibility of the landlord to be registered/licensed in accordance with Housing regulation |
| Scottish Building Society | |
| Scottish Widows Bank | New Business Processing (see 1.11a) |
| Skipton Building Society | HMOs not acceptable. |
| St James Place Bank |
Please contact the lender. |
| The Mortgage Business |
Please contact the lender. |
| 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 |
Originations |
| The Royal Bank of Scotland plc |
Not applicable see 6.6.3a above. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
Not applicable see 6.6.3a. |
| The Royal Bank of Scotland plc Direct Line One |
Please contact the lender. |
| The Royal Bank of Scotland plc First Active |
Not applicable see 6.6.3a. |
| The Royal Bank of Scotland plc Natwest one Account |
Not applicable see 6.6.3a. |
| The Royal Bank of Scotland plc One Account |
Not applicable see 6.6.3a |
| 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 | We don't lend on houses in multiple occupation. |
| Whistletree (a trading name of TSB Bank plc) | Details as 1.11a |
| Yorkshire Bank Home Loans Ltd |
Mortgage Services PO BOX 3105 Clydebank Glasgow G60 9AU Tel - 0800 121 4203 |
| Yorkshire Building Society | As 1.11a. |