From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to www.ukfinance.org.uk for wider content and updates from UK Finance.

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Question: 3.2.4. If different from 1.11, contact details if the lender needs to be notified when the seller does not have legal representation.

Lender Answer
Accord Buy to Let As 1.11a.
Accord Mortgages Ltd As 1.11a
Adam & Company You need to notify us (at the details set out at 1.11) so that we can make a decision whether or not to proceed.

Adam & Company International You need to notify us (at the details set out at 1.11) so that we can make a decision whether or not to proceed.

Ahli United Bank (UK) plc Central Administration Unit
Aldermore Bank PLC As 1.11. We need to be notified if the seller is not represented or where you cannot satisfy yourselves with the checks carried out on the seller's appointed representative.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc As 1.11a.
Aviva Equity Release UK Ltd There is no requirement to notify us.
Bank of Ireland (UK) plc It is not necessary to contact us unless there is a family or business connection between the buyer & seller and the property is being gifted or sold at an undervalue. If you do need to contact us please see the front page of the Offer for the contact details.
Bank of Ireland as Bank of Ireland Mortgages It is not necessary to contact us unless there is a family or business connection between the buyer & seller and the property is being gifted or sold at an undervalue. If you do need to contact us please see the front page of the Offer for the contact details.
Bank of Scotland Beginning A Address and telephone number on the Mortgage Offer.
Bank of Scotland Beginning O Address and telephone number on the Mortgage Offer.
Barclays Bank UK PLC Please notify the Issuing Office
Barnsley Building Soc, a trading name Yorkshire Building Soc Whoever issued the offer/instructions. This will be apparent from the mortgage offer.
Birmingham Midshires Completions Team at office issuing mortgage instructions. See Offer for contact details.
Bluestone Mortgages As per 1.11.
Bradford & Bingley Plc n/a
Britannia, a trading name of The Co-operative Bank plc Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX 16351 Leek. Telephone and Fax numbers as shown on the letter enclosing the Offer of Advance
Buckinghamshire Building Society Buckinghamshire Building Society, High Street,
Chalfont St Giles, Bucks,
HP8 4QB
e-mail mortgages@bucksbs.co.uk
Tel: 01494 879517
Fax: 01494 877259
Capital Home Loans Customer Services, Capital Home Loans Ltd, Admiral House, Harlington Way, Fleet, Hants, GU51 4YA
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 The Co-operative Bank New Lending, Britannia House, Leek, Staffordshire Moorlands ST13 5RG or The Co-operative Bank New Lending DX16351 LEEK.
Tel No: 08000 288 288
Coutts You need to notify us (at the details set out at 1.11) so that we can make a decision whether or not to proceed.
Coutts Finance Co You need to notify us (at the details set out at 1.11) so that we can make a decision whether or not to proceed.
Coventry Building Society New Lending Department, Godiva House
Binley Business Park,
Harry Weston Road,
Coventry
CV3 2TB
Cynergy Bank N/A.
Darlington Building Society Customer Support Department, Principal Office
DB UK Bank Ltd db mortgages
PO Box 890
Newport
NP20 9LZ
Tel: 0845 650 6281
DX Address - not available
Dudley Building Society We need to be notified of any cases where the seller is not represented or where you cannot satisfy yourselves with the checks carried out on the sellers appointed representative.
Earl Shilton Building Society Mortgage Dept at Head Office - Earl Shilton 01455 844 422
Ecology Building Society As 1.7
Family Building Soc (a trading name of National Counties BS) Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL
DX 30729 EPSOM
Email: loansunderwriting@familybsoc.co.uk
Fleet Mortgages See 1.11a
Foundation Home Loans New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA
Email: FHL@foundationhomeloans.co.uk
Tel: 0344 770 8033
Furness Building Society As 1.11a
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd New Lending Department, Godiva House
Binley Business Park,
Harry Weston Road,
Coventry
CV3 2TB
Habito as per 1.11
Halifax Mortgage Customer Services, Trinity Road, Halifax HX1 2RG Fax no. 0345 1221034
Halifax Loans Ltd Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG
Hampden & Co. plc You need to notify us (at the details set out at 1.11) so that we can make a decision whether or not to proceed.
Handelsbanken Refer to Branch office instructing you.
Harpenden Building Society As 1.11a
Hinckley and Rugby Building Society Principal Office, Mortgage Department, Advances Section.
Hodge Equity Release We will not lend in such circumstances
Hodge Life We will not lend in such circumstances
Holmesdale Building Society Lender.
HSBC UK Bank plc We only need to be notified of any cases where the seller is not represented or where you cannot satisfy yourselves with the checks carried out on the seller's appointed representative
Intelligent Finance Securities, Intelligent Finance, PO Box 890, Leeds, LS1 9UG


Investec Bank plc Please contact the member of Banking Legal or PBLO notified to you in the Transaction Instructions.
ITL Mortgages New Lending Department, Godiva House
Binley Business Park,
Harry Weston Road,
Coventry
CV3 2TB
JPMorgan Chase Bank, N.A. Refer to office issuing Mortgage Instructions.
Kensington Mortgage Company Ltd Kensington Mortgages, New Business Operations Centre, Ascot House, Maidenhead Office Park, Maidenhead, SL6 3QQ. Tel: 03444 990011 Fax: 03444 990022.
Kent Reliance (a trading name of OneSavings Bank plc)  
Keystone Property Finance As 1.11a
Landbay See 1.11a Legals@landbay.co.uk
Landmark Mortgages Limited We do not need to be notified. You must be satisfied that there is no breach of Section 22 of the Solicitors Act 1974 and comply with any guidance issued by your professional body.
You should not accept any undertaking, for example to discharge an existing mortgage, from an unqualified conveyancer.
Leeds Building Society We will not lend in such circumstances.
Legal & General Home Finance Ltd Same as 1.11a
LendInvest See 1.11a
Lloyds Bank plc pre fixed 20/40 The seller must have legal representation.
Lloyds Bank plc pre fixed 50/30/77 Not applicable, we will not accept this situation.
Lloyds TSB Scotland plc Not applicable. We will not accept this situation.
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
Manchester Building Society Contact Underwriting Department.
Market Harborough Building Society As per 1.7
Masthaven Bank As per 1.11.
Metro Bank plc As per 1.11.
Molo Finance Buy to Let Mortgages As 1.11a.
Monmouthshire Building Society You will need to notify us using the details in 1.7 in the event of the seller not having legal representation or representation of an independent nature
Mortgage Agency Services Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage Express We do not need to be notified
Mortgage Express No 2  
National Counties Building Society Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL
DX 30729 EPSOM
Email: loansunderwriting@ncbs.co.uk
National Westminster Bank plc You need to notify us (as detailed above in 1.11a) giving details so that we can make a decision whether or not to proceed.
Nationwide Building Society We need to be notified of any cases where the seller is not represented or where you cannot satisfy yourselves with the checks carried out on the seller's appointed representative.
Nedbank Private Wealth Ltd Not applicable
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 We do not need to be notified. You must be satisfied that there is no breach of Section 22 of the Solicitors Act 1974 and comply with any guidance issued by your professional body. You should not accept any undertaking, for example to discharge an existing mortgage, from an unqualified conveyancer.
Paragon Buy to Let Mortgages As 1.11a.
Paragon Residential Owner-Occupied Mortgages As 1.11a.
Paratus AMC Ltd New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA/Email: FHL@foundationhomeloans.co.uk/ Tel: 0344 770 8033
Parity Trust As 1.7
Pepper Money As is for 1.11
Pepper Money (PUK) As is for 1.11
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) Completions Team at the address stated on the mortgage offer/instructions.
Principality Building Society You will need to notify us using the details in 1.7 in the event of the seller not having legal representation or representation of an independent nature e.g. where you are dealing with in-house legal advisors.
Rooftop Mortgages Ltd The address and contact details shown on the mortgage offer.
Saffron Building Society As 1.11
Sainsbury's Bank The seller must have independent legal representation.
Santander UK plc Where there is an existing first charge registered on the property and the seller is not a Housing Association or Local Authority , the seller must have legal representation. In all other cases refer to the Mortgage Operations office instructing you.
Scottish Building Society  
Scottish Widows Bank New Business Processing (see 1.11a).
Secure Trust Bank PLC As 1.11. We need to be notified if the seller is not represented or where you cannot satisfy yourselves with the checks carried out on the seller's appointed representative.
Skipton Building Society Completions Team
St James Place Bank Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS
State Bank of India UK You need to notify us (at the address given under 1.11a) giving details so that we can make a decision whether or not to proceed.
Swansea Building Society 11/12 Cradock Street
Swansea
SA1 3EW
01792 739100
Tesco Bank (a trading name of Tesco Personal Finance plc) The seller must have independent legal representation.
The Mortgage Business The Mortgage Business, PO Box 548, Leeds, LS1 1WU
Fax No.0845 6039009
The Mortgage Lender Limited completions@themortgagelender.com

Tel: 0344 257 0426
The Mortgage Works Yes - contact the Issuing Office
The Royal Bank of Scotland plc You need to notify us (as detailed above in 1.11a) giving details so that we can make a decision whether or not to proceed.
The Royal Bank of Scotland plc Direct Line Mortgages You need to notify us (as detailed above in 1.11a) giving details so that we can make a decision whether or not to proceed.
The Royal Bank of Scotland plc Direct Line One You need to notify us (as detailed above in 1.11a) giving details so that we can make a decision whether or not to proceed.
The Royal Bank of Scotland plc First Active You need to notify us (as detailed above in 1.11a) giving details so that we can make a decision whether or not to proceed.
The Royal Bank of Scotland plc Natwest one Account You need to notify us (as detailed in 1.11a) giving details so that we can make a decision whether or not to proceed.
The Royal Bank of Scotland plc One Account You need to notify us (as detailed in 1.11a) giving details so that we can make a decision whether or not to proceed.
The Royal Bank of Scotland plc Virgin One You need to notify us (as detailed in 1.11a) giving details so that we can make a decision whether or not to proceed.
The Tipton & Coseley Building Society Mortgage Department.
Together Personal Finance Limited The seller must have legal representation.
Topaz Finance Ltd Topaz Finance Limited
Gateway House, Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
0345 389 1672
TSB Bank plc Not applicable. We will not accept this situation.
Ulster Bank Ltd You need to notify us (as detailed above in 1.11a) giving details so that we can make a decision whether or not to proceed.
Vida Homeloans As 1.11a. We need to be notified if the seller is not represented or where you cannot satisfy yourselves with the checks carried out on the seller's appointed representative.
Virgin Money You don't need to tell us. You mustn't accept any undertaking, for example to discharge an existing mortgage, from an unqualified conveyancer.

Otherwise, you must comply with any guidance issued by your professional body and be satisfied that there is no breach of Section 22 of the Solicitors Act 1974.
Whistletree (a trading name of TSB Bank plc) We will not accept this situation.
Yorkshire Bank Home Loans Ltd Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Yorkshire Building Society Whoever issued the offer/instructions. This will be apparent from the mortgage offer.
Zephyr Mortgages As per 1.11