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Question: 5.1.1. If different from 1.11, the contact point if the seller has owned the property for less than 6 months:

Lender Answer
Accord Buy to Let As 1.11a. Please note that sub-sales, back to back transactions, assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable.
Accord Mortgages Ltd As 1.11a
Adam & Company See 1.11
Adam & Company International See 1.11

Ahli United Bank (UK) plc New Business/Underwriting - Residential Mortgage Department
Aldermore Bank PLC As 1.11. Purchase transactions where the property has been sold within the last 6 months are not normally acceptable, unless the property is being purchased from a housebuilder that acquired the property in a part exchange transaction.

Remortgages (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not) within the first 6 months of the original purchase date are not normally acceptable, unless:

- you are able to provide evidence that the customer inherited the property following the death of the previous owner
- the remortgage is to replace bridging finance. Remortgages out of bridging finance and/or a cash purchase cannot involve capital raising unless this relates to refurbishment costs.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable.

We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you should report the details. We will then consider whether or not it is acceptable.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc As 1.11. above.
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 Bank of Scotland Plc, Mortgage Operations, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ. Tel: 0345 603 1136 Fax: 0131 339 2366

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
Bank of Scotland Beginning O Address and telephone number on the Mortgage Offer.

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
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.
For remortgage applications, the customer must have owned the property for at least 6 months.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
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. Please note we do not lend on back to back sales, sub-sales or assigned contracts under any circumstances.
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
Please note: we do not lend on back-to-back sales, sub-sales or assigned contracts under any circumstances.
Coutts See 1.11
Coutts Finance Co See 1.11
Coventry Building Society New Lending Department, Godiva House
Binley Business Park,
Harry Weston Road,
Coventry
CV3 2TB

Please note that the seller (or the applicant in the case of a Buy to Let remortgage) must have been registered as the owner of the property for at least 6 months prior to the application date. In the case of a residential remortgage there is no such requirement.
Cynergy Bank As per 1.11.a
Darlington Building Society As 1.11. Purchase transactions where the property has been sold within the last 6 months are not normally acceptable, unless the property is being purchased from a house builder that acquired the property in a part exchange transitions.
Remortgages (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not) within the first 6 months of the original purchase date are not normally acceptable, unless:
-you are able to provide evidence that the customer inherited the property following death of the previous owner
-the remortgage is to replace bridging finance. Remortgages out of bridging finance and/or a cash purchase cannot involve capital raising unless this relates to refurbishment costs.
Sub-sales where the seller has owned the property for less than 6 months, and back to back transactions are NOT acceptable.
We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).
Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar affect.
If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you should report the details. We will then consider whether or not it is acceptable.
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 Please provide us with the following information:
1. The name and address of the person who sold, or will be selling the property to the applicant's vendor.
2. The amount paid for the property by the applicant's vendor.
3. Any connection between the original vendor and the applicant's vendor, or between either the vendor and the mortgage applicant.
4. Details of any work carried out between the two transactions.

Please place the case on hold until you receive further instructions from us.

We will not lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third party.
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
For re-mortgage applications the customer must have owned the property for at least 6 months. We can consider properties which have been purchased via a bridging loan after 3 months ownership.
Sub-sales, where the seller has owned the property for less than 6 months and back to back transactions are not acceptable.
Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable.
You should report any other structure to the transaction which has a similar effect.
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

Please note that the seller (or the applicant in the case of a Buy to Let remortgage) must have been registered as the owner of the property for at least 6 months prior to the application date. In the case of a residential remortgage there is no such requirement.
Habito As per 1.11

Please note that the seller (or the applicant in the case of a remortgage) must have been registered as the owner of the property for at least 6 months prior to the application date.
Halifax Customer Service Centre (see offer for address and fax number)

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
Halifax Loans Ltd Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG
NB We will not normally proceed on cases where the property is already owned by the borrower but for less than 6 months.
Applications which involve assignable contracts are not acceptable.
Hampden & Co. plc See 1.11
Handelsbanken Refer to Branch office instructing you.
Harpenden Building Society As 1.11a
Hinckley and Rugby Building Society Principal Office, Mortgage Department, Advances Section.
Holmesdale Building Society Lender.
HSBC UK Bank plc  
Intelligent Finance Securities, Intelligent Finance, PO Box 17316, Edinburgh, EH12 1AY

For remortgage applications, the customer must have owned the property for at least 6 months.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
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

Please note that the seller (or the applicant in the case of a Buy to Let remortgage) must have been registered as the owner of the property for at least 6 months prior to the application date. In the case of a residential remortgage there is no such requirement.
JPMorgan Chase Bank, N.A. Refer to office issuing Mortgage Instructions.
Kensington Mortgage Company Ltd If owned less than 6 months contact; Kensington Mortgages, New Business Operations Centre, Ascot House, Maidenhead Office Park, Maidenhead, SL6 3QQ. Tel : 08444 990011 Fax : 08444 990022.
Kent Reliance (a trading name of OneSavings Bank plc) Issuing office.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.
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 We will not normally lend where there is a sub-sale, sale and leaseback or a back to back transaction. All circumstances where the owner/registered proprietor has owned the property for less than 6 months from purchase must be referred to the Mortgage Lending Department (please see 1.11a), ensuring that the following details are provided:

• confirmation that the property is currently owned by the seller;
• date on which the seller acquired the property; and
• the purchase price paid by the borrower.

For re-mortgages, we require confirmation that:

• the property is currently owned by the borrower;
• the date on which the borrower acquired the property; and
• the purchase price paid by the borrower.

Applications which involve assignable contracts or irrevocable Powers of Attorney in favour of intervening sellers are not acceptable. You should report any other structure to the transaction which has a similar effect.
Legal & General Home Finance Ltd Underwriting Department.
Please confirm date of sellers' purchase and consideration amount.
LendInvest See 1.11a
Lloyds Bank plc pre fixed 20/40 Morgage Processing, please see 1.11.

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
Lloyds Bank plc pre fixed 50/30/77 For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
Lloyds TSB Scotland plc Mortgage Processing, please see 1.11a.

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
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 Mortgage Processing 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 Lending Operations Department
Monmouthshire Building Society
Monmouthshire House
John Frost Square
Newport
NP20 1PX

For remortgage applications, the customer must have owned the property for at least 6 months. Sub-sales; where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable.

If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you should report the details. We shall then consider whether or not it is acceptable.
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 As 1.11a
Nationwide Building Society We will not normally lend where there is a sub-sale or back to back transaction and we will not lend where the contract for sale is to be assigned to a third party. All circumstances where the owner/registered proprietor has owned the property for less than 6 months from purchase should be referred to the issuing office, ensuring that the following details are provided:

The name and address of the person who sold, or will be selling, the property to the applicant`s vendor;
The amount paid for the property by the applicant`s vendor;
Details of any connection between the original and the applicant`s vendor, or between either vendor and the mortgage applicant;
Details of any work carried out to the property between the two transactions;
When the two transactions took place or will take place.
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 See 1.11a
Paragon Buy to Let Mortgages As 1.11a. Your specific attention is drawn to our Supplemental Instructions and Guidance Notes.
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
For re-mortgage applications the customer must have owned the property for at least 6 months. We can consider properties which have been purchased via a bridging loan after 3 months ownership.
Sub-sales, where the seller has owned the property for less than 6 months and back to back transactions are not acceptable.
Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable.
You should report any other structure to the transaction which has a similar effect.
Parity Trust As 1.7
Pepper Money As is for 1.11
Platform (a trading name of The Co-operative Bank p.l.c.) Refer to office issuing Mortgage Instructions.Please note we do not lend on back to back sales, sub-sales or assigned contracts under any circumstances.
Precise Mortgages (Charter Court Financial Services Ltd) Completions Team at the address stated on the mortgage offer/instructions.

For Residential remortgage applications, the customer must have owned the property for at least 12 months.This is reduced to 6 months for Buy-to-Let applications. The exception to these rules is where the application is to exit a Precise Mortgages Bridging loan, whereby the application can proceed at any time following advance of the Bridging loan.

Sub-sales, where the seller has owned the property for less than 6 months and back to back transactions are not acceptable. We also regard as sub-sales where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (sub-lease).

Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you must report the details. We shall then consider whether or not it is acceptable.
Principality Building Society Please provide us with the following information: i) the name and address of the person who sold or will be selling the property to the applicant’s seller; ii)the amount paid for the property by the applicant’s seller; iii) details of any connection between the original seller and the applicant’s seller, or between either seller and the mortgage applicant; iv) details of any work carried out to the property between the 2 transactions; v) when the 2 transactions took place or will take place and vi) an explanation as to why the seller is selling within the 6 month period specified in section 5 of the handbook. You must not proceed with your instruction until you receive written confirmation from us that you may do so.
Rooftop Mortgages Ltd The address and contact details shown on the mortgage offer.
Saffron Building Society As 1.11
Sainsbury's Bank Contact point as detailed in 1.11a. In such cases, please provide us with the name and address of the previous owner; the price paid to the previous owner by the previous vendor; and details of any connection between the previous owner, the vendor and/or the borrower. You should not submit your Certificate of Title until such time as we have confirmed we are happy to proceed.
Santander UK plc Refer to Mortgage Operations office instructing you.
Santander UK plc for Alliance & Leicester mortgages only Offer & Completion Centre of the Mortgage Centre issuing your instructions (as detailed on the front of the Offer document).
Scottish Building Society  
Scottish Widows Bank Customer Service Centre (see offer for address and fax number)

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
Secure Trust Bank PLC As 1.11. Purchase transactions where the property has been sold within the last 6 months are not normally acceptable, unless the property is being purchased from a housebuilder that acquired the property in a part exchange transaction.

Re-mortgages (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not) within the first 6 months of the original purchase date are not normally acceptable, unless:

- you are able to provide evidence that the customer inherited the property following the death of the previous owner
- the re-mortgage is to replace bridging finance. Re-mortgages out of bridging finance provided by a lender other than the Bank cannot involve capital raising.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable.

We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you should report the details. We will then consider whether or not it is acceptable.
Skipton Building Society (i) Completions Team
(ii) Commercial Servicing Team
St James Place Bank Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS
For remortgage applications, the customer must have owned the property for at least 6 months.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you should report the details. We shall then consider whether or not it is acceptable.
State Bank of India UK As 1.11a.

This type of transaction will usually be unacceptable to the Bank. There are few circumstances where this type of transaction may be acceptable and these will require the disclosure/compliance with a number of items.

Please refer to us for guidance.
Swansea Building Society 11/12 Cradock Street
Swansea
SA1 3EW
01792 739100
Tesco Bank (a trading name of Tesco Personal Finance plc) Contact point as detailed in 1.11b. In such cases, please provide us with the name and address of the previous owner, the price paid to the previous owner by the vendor and details of any connection between the previous owner, the vendor and/or the borrower. You should not submit your Certificate of Title until such time as we have confirmed we are happy to proceed.
The Mortgage Business The Mortgage Business, PO Box 548, Leeds, LS1 1WU
Fax No.0845 6039009

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they immediately sell on to the borrower by the grant to them of a a lease (or sub-lease).

Applications which involve ‘Assignable Contracts’, 'Fulfilment Contracts', 'Assisted Contracts', 'Assignment Contracts', 'Novation Contracts', 'Transferable Contracts' or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

Please report to us if any Unilateral Notice is registered against the freehold title and relates to the security address.
The Mortgage Lender Limited completions@themortgagelender.com

Tel: 0344 257 0426

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).

Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you should report the details. We will then consider whether or not it is acceptable.
The Mortgage Works We will not normally lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third party. All circumstances where the owner/registered proprietor has owned the property for less than 6 months from purchase should be referred to the issuing office, ensuring that the following details are provided:

The name and address of the person who sold, or will be selling the property to the applicant`s vendor;
The amount paid for the property by the applicant`s vendor;
Details of any connection between the original vendor and the applicant`s vendor, or between either vendor and the mortgage applicant;
Details of any work carried out to the property between the two transactions;
When the two transactions took place or will take place.

The Royal Bank of Scotland plc As detailed above in 1.11a.
The Royal Bank of Scotland plc Direct Line Mortgages As detailed above in 1.11a.
The Royal Bank of Scotland plc Direct Line One As detailed above in 1.11a.
The Royal Bank of Scotland plc First Active As detailed above in 1.11a.
The Royal Bank of Scotland plc Natwest one Account As detailed above in 1.11a.
The Royal Bank of Scotland plc One Account As detailed above in 1.11a.
The Royal Bank of Scotland plc Virgin One As detailed above in 1.11a.
The Tipton & Coseley Building Society Mortgage Department.
Together Personal Finance Limited Contact point as detailed in 1.11a above.
Topaz Finance Ltd Topaz Finance Limited
Gateway House, Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
0345 389 1672
TSB Bank plc Mortgage Processing, please see 1.11a.

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).
Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.
If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you should report the details. We will then consider whether or not it is acceptable.
Ulster Bank Ltd As detailed above in 1.11a.
Vida Homeloans As 1.11a. Purchase transactions where the property has been sold within the last 6 months are not normally acceptable, unless the property is being purchased from a housebuilder that acquired the property in a part exchange transaction.
Virgin Money plc Mortgage Processing
Operations
Virgin Money plc
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 see 1.11a.

For remortgage applications (where the customer is already the registered proprietor of the property whether subject to an existing mortgage or not), the customer must have owned the property for at least six months. Where you have obtained evidence that the customer inherited the property following the death of the previous owner and provided you confirm this to us in writing, the preceding sentence will not apply.

Sub-sales, where the seller has owned the property for less than 6 months, and back to back transactions are not acceptable. We also regard as sub-sales cases where the seller acquires the freehold (or superior leasehold) title to the property, which they then immediately sell on to the borrower by the grant to them of a lease (or sub-lease).
Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.
If you consider that there are reasons for the use of any of the above arrangements which mean the case is acceptable, you should report the details. We will then consider whether or not it is acceptable.
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