Guidance notes
We produce guidance notes for those working in housing and mortgage related professionals. These guides are designed to provide information on best practice within the industry.
All current guidance is provided on this page. We cannot provide access to old or obselete practice guides or statements of practice.
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01-Jul-10 |
Guidance for handling arrears and possession sales of shared ownership properties This joint CML/National Housing Federation (NHF) guidance provides a synthesis of accumulated lender and housing association best practice in handling the difficult situation where a shared ownership property is possessed by the lender. The guidance also provides documents containing relevant contact details for lenders and individual housing associations plus an example of a lender/housing association service level agreement. |
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11-Apr-10 |
Equity release and the impact on benefits and tax This guide provides an overview of how equity release will impact on tax and benefits issues. Updated for the tax year 2010-2011. |
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01-Apr-10 |
Shared Ownership: Joint Guidance for England Produced in conjunction with the Housing Corporation and the National Housing Federation, this guide provides information for mortgage lenders, registered social landlords/housing associations and conveyancers on a range of shared ownership issues that have been a subject of both discussions and consultation in recent years. |
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22-Dec-09 |
Asset management guidance - England, Wales and Northern Ireland This guidance is intended to promote efficient working practices between lenders and asset managers. The guidance has been drawn up by the Asset Management Group, Connells Asset Management, Countrywide, Halifax, LSL, Savills and Spicerhaart and facilitated and supported by the CML. |
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22-Dec-09 |
Asset management guidance - Scotland This guidance is intended to promote efficient working practices between lenders and asset managers. The guidance has been drawn up by the Asset Management Group, Connells Asset Management, Countrywide, Halifax, LSL, Savills and Spicerhaart and facilitated and supported by the CML. |
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04-Sep-09 |
Briefing note - Section 106 planning agreements and low cost home ownership lending This note has been prepared to help local authorities and housing associations understand the issues that arise for lenders when section 106 (s106) agreements or other planning controls are used that contain restrictive or variation clauses. |
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10-Jun-09 |
Industry guidance on buy-to-let arrears and possessions Guidance to show good practice by buy-to-let lenders in arrears situations. This guidance relates to loans where at the time the loan was entered into both the lender and the borrower understood that the security property would be let to a third party. It comes into effect on 1 September 2009. |
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22-Oct-08 |
Industry guidance on arrears and possessions to help lenders comply with MCOB 13 and TCF principles Industry guidance on arrears and possessions to help lenders comply with MCOB 13 and TCF principles |
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22-Jul-08 |
CML/BBA mortgage fraud best practice guidance Best practice guidance for lenders on how to protect themselves against mortgage fraud. |
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11-Apr-07 |
FINTAL - Lifetime mortgage and benefits calculation and advice system leaflet This leaflet gives details of a software solution (FINTAL) to enable those selling lifetime mortgages to calculate the impact on their clients' own specific circumstances, as required under the FSA's mortgage conduct of business rules. |
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