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: 4.5. Where should the certificate of title be sent?

Lender Answer
Accord Buy to Let As 1.11a.
Accord Mortgages Ltd As 1.11a
Adam & Company See 1.11
Adam & Company International See 1.11

Ahli United Bank (UK) plc Central Administration Unit
Aldermore Bank PLC As 1.11.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc You should send the certificate of title to us at conveyancing@digitalmortgages.net with the heading CERTIFICATE OF TITLE –Completion Date dd/mm/yy.

You should not submit your CoT without first confirming with your customer that they have accepted the most recent version of their mortgage offer in their Atom App.

If the property to be mortgaged consists of more than one title number, ALL numbers must appear on the CoT and the primary title number should be clearly highlighted as such.

We require your CoT to be submitted with 5 working days notice. We are unable to shorten this process so please ensure you submit your CoT within the stipulated time period.

We do not accept handwritten CoTs.
Aviva Equity Release UK Ltd See 1.11
Bank of Ireland (UK) plc Case Manager (see front page of the Offer for contact details).
Bank of Ireland as Bank of Ireland Mortgages Case Manager (see front page of the Offer for 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 Issuing Office
Barnsley Building Soc, a trading name Yorkshire Building Soc As 1.11a.
Birmingham Midshires Completions Team at office issuing mortgage instructions. See Offer for contact details.
Bluestone Mortgages As per 1.11.
Bradford & Bingley Plc As 1.11a
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
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 See 1.11
Coutts Finance Co See 1.11
Coventry Building Society Completions Dept. P.O.Box 1022, Coventry CV1 5ZW
Tel. 02476 839357
Fax. 024 76839275
Cynergy Bank Cynergy Bank
Mortgage Fulfilment Team
PO Box 17484
87 Chase Side
London N14 5WH AND email
creditdelivery@cynergybank.co.uk
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 As 1.11a. However, please use the following email address instead: MortgageCompletions@dudleybuildingsociety.co.uk
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 Mortgage Completions at address shown in 1.11.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Completions Dept. P.O.Box 1022, Coventry CV1 5ZW
Tel. 02476 839357
Fax. 02476 839275
Habito Conveyancing@habito.com
Halifax By fax to Fax no. 0345 1221034 or by post to Completions, Mortgage Services, Trinity Road, Halifax HX1 2RG
Halifax Loans Ltd Completions, Mortgage Operations, Trinity Road, Halifax, HX1 2RG.
Hampden & Co. plc See 1.11
Handelsbanken The Branch office instructing you.
Harpenden Building Society As 1.11a
Hinckley and Rugby Building Society Principal Office, Mortgage Department, Advances Section.
Hodge Equity Release Only signed and fully completed certificates will accepted. These should be emailed to hladmin@hodge.co.uk
Hodge Life Only signed and fully completed certificates will accepted. These should be emailed to hladmin@hodge.co.uk
Holmesdale Building Society Lender.
HSBC UK Bank plc See 1.11a
Intelligent Finance Securities, Intelligent Finance, PO Box 890, Leeds, LS1 9UG


Investec Bank plc To the relevant member of Banking Legal or PBLO notified to you in the Transaction Instructions.
ITL Mortgages Completions Dept. P.O.Box 1022, Coventry CV1 5ZW
Tel. 02476 839357
Fax. 024 76839275
JPMorgan Chase Bank, N.A. This office issuing Mortgage Instructions.
Kensington Mortgage Company Ltd The original certificate of title is required to be sent to : Kensington Mortgages, New Business Operations Centre, Ascot House, Maidenhead Office Park, Maidenhead, SL6 3QQ.
Kent Reliance (a trading name of OneSavings Bank plc) Issuing office
Keystone Property Finance As 1.11a
Landbay See 1.11a Legals@landbay.co.uk
Landmark Mortgages Limited New Mortgage Completions
Landmark Mortgages
PO Box 656
Durham
DH1 9LY

Tel - 0330 159 7152
Leeds Building Society As per 1.11a.
Legal & General Home Finance Ltd Completions Department.
LendInvest See 1.11a
Lloyds Bank plc pre fixed 20/40 By fax to Mortgage Processing. Please see 1.11a.
Lloyds Bank plc pre fixed 50/30/77 By fax to Mortgage Processing. Please see 1.11a
Lloyds TSB Scotland plc 0845 609 8848
M&S Bank M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322
Magellan Homeloans Magellan Homeloans
Ashcombe House
5 The Crescent
Leatherhead,
Surrey,
KT22 8DY
Manchester Building Society Mortgage Processing Department.
Market Harborough Building Society As per 1.7
Masthaven Bank As per 1.11.
Metro Bank plc mortgagecompletions@metrobank.plc.uk.
Molo Finance Buy to Let Mortgages As 1.11a.
Monmouthshire Building Society E-mail - sols@monbs.com
Mortgage Agency Services Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage Express As 1.11a
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 For cases where you have been instructed through the LMS portal the certificate of title must be submitted through the LMS portal.

In all other cases

Mortgage Centre - As detailed above in 1.11.

Offset Flexible Mortgage -
NatWest Offset Completions Team, Amsterdam Place, Amsterdam Way, Norwich, NR6 6JA.
Telephone: 0345 300 4012
Fax: 0845 366 0498
Nationwide Building Society Issuing Office
Nedbank Private Wealth Ltd To us - this may be sent via email initially but we will require the original signed copy
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 per 1.11
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 Pepper Money, Completions Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ.
Pepper Money (PUK) Pepper Money, Completions Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ.
Platform (a trading name of The Co-operative Bank p.l.c.) The office issuing Mortgage Instructions.
Precise Mortgages (Charter Court Financial Services Ltd) Completions Team at the address stated on the mortgage offer/instructions.

Can be sent electronically (completions@precisemortgages.co.uk) or by fax (0800 1313180) backed up by a paper copy which is signed by an authorised person.
Principality Building Society Completions Team
Mortgage New Business
PO Box 89
Queen Street
CARDIFF
CF10 1UA
0330 333 4021
NOTE: Only signed and fully completed certificates will accepted. Completed certificates may also be scanned and emailed to: completions@principality.co.uk
Rooftop Mortgages Ltd The address and contact details shown on the mortgage offer.
All special conditions must be satisfied prior to submission and we must be in receipt of the Certificate of Title at least 7 working days prior to the anticipated completion date.
Saffron Building Society As 1.11
Sainsbury's Bank Contact point as detailed in 1.11a or faxed to 0345 111 0323
Santander UK plc The Mortgage Operations office instructing you.
Scottish Building Society Area Office that issued mortgage offer.
Scottish Widows Bank New Business Processing (see 1.11a).
Secure Trust Bank PLC As 1.11
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 As 1.11a.
Swansea Building Society 11/12 Cradock Street
Swansea
SA1 3EW
01792 739100
Tesco Bank (a trading name of Tesco Personal Finance plc) Tesco Bank, Mortgage Operations, PO Box 353, Darlington, DL1 9QR.
The Mortgage Business By fax to Fax no. 0845 1221034 by post to Completions, Mortgage Services, Trinity Road, Halifax HX1 2RG
The Mortgage Lender Limited completions@themortgagelender.com

Tel: 0344 257 0426
The Mortgage Works Originations
The Royal Bank of Scotland plc For cases where you have been instructed through the LMS portal the certificate of title must be submitted through the LMS portal.

In all other cases

Mortgage Centre - As detailed above in 1.11.

Offset Flexible Mortgage -
RBS Offset Completions Team, Amsterdam Place, Amsterdam Way, Norwich, NR6 6JA.
Telephone: 0345 300 4013
Fax: 0845 366 0498
The Royal Bank of Scotland plc Direct Line Mortgages Faxed to 0845 878 9660.
The Royal Bank of Scotland plc Direct Line One Faxed to 0870 400 9608 for new customers. Faxed to 01603 707539 for existing customers changing security.
The Royal Bank of Scotland plc First Active Faxed to 0141 567 0476.
The Royal Bank of Scotland plc Natwest one Account Faxed to 0870 400 9608 for new customers. Faxed to 01603 707539 for existing customers changing security.
The Royal Bank of Scotland plc One Account Faxed to 0870 400 9608 for new customers. Faxed to 01603 707539 for existing customers changing security.
The Royal Bank of Scotland plc Virgin One Faxed to 0870 400 9608 for new customers. Faxed to 01603 707539 for existing customers changing security.
The Tipton & Coseley Building Society Mortgage Department.
Together Personal Finance Limited Completions Team
Together Personal Finance Limited
1st Floor, Lake View
Lakeside
Cheadle
Cheshire
SK8 3GW
Email: completions@togethermoney.com
Tel: 0161-933-7042 (ask for Completions team)
Topaz Finance Ltd Topaz Finance Limited
Gateway House, Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
0345 389 1672
TSB Bank plc If the Mortgage Reference Number for the case begins with M53 by fax to 0203 357 9151
Ulster Bank Ltd As detailed above in 1.11.

Vida Homeloans As 1.11a
Virgin Money By fax to 0345 603 5846
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.
Zephyr Mortgages As per 1.11