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: 5.4.4. Does the lender want to receive environmental or contaminated land reports?

Lender Answer
Accord Buy to Let No.
Accord Mortgages Ltd No
Adam & Company Yes
Adam & Company International Yes

Ahli United Bank (UK) plc Yes
Aldermore Bank PLC No, unless the report indicates matters requiring further investigation or if the content is likely to affect the security.
Allied Irish Bank (GB), a trading name of AIB Group (UK) If enquiries reveal concern regarding environmental or contaminated land issues, refer to Legal & Central Securities, GB
Atom Bank plc No, unless specified in the mortgage offer or unless the valuer asks in his valuation report (and a copy of the valuation report is sent to you), or if such reports indicate that our security may be adversely affected. If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation.
Aviva Equity Release UK Ltd Yes
Bank of Ireland (UK) plc Yes, but only if they have been obtained as a result of any contaminated land entries revealed in the Local Authority search.
Bank of Ireland as Bank of Ireland Mortgages Yes, but only if they have been obtained as a result of any contaminated land entries revealed in the Local Authority search.
Bank of Scotland Beginning A No
Bank of Scotland Beginning O No
Barclays Bank UK PLC Not desktop reports but any intrusive or investigative reports should be referred to the Issuing Office
Barnsley Building Soc, a trading name Yorkshire Building Soc No.
Birmingham Midshires No
Bluestone Mortgages No, unless specified in the mortgage offer, or if such reports indicate that our security may be adversely affected.
Bradford & Bingley Plc If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation. We require any such reports to be site-specific.
Britannia, a trading name of The Co-operative Bank plc NO, unless the valuer asks in his valuation report(and a copy of the valuation report is sent to you) and please report full details of any concerns to Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX16351 Leek
Buckinghamshire Building Society No
Capital Home Loans Only if we have made this a specific condition in the mortgage offer. However, you must notify us if any searches identify any matter which has an impact upon our proposed security.
Chelsea Building Society (a trading name of Yorkshire BS) No.
Clydesdale Bank plc No,but should draw our attention to any environmental issue that comes to your attention.
Co-operative Bank plc No, unless the valuer asks in his valuation report (and a copy of the valuation report is sent to you) and please report full details of any concerns to The Co-operative Bank New Lending, Britannia House, Leek, Staffordshire Moorlands ST13 5RG or The Co-operative Bank New Lending DX16351 LEEK.
Coutts Yes
Coutts Finance Co Yes
Coventry Building Society Generally no.

In relation to Japanese Knotweed:

You do not need to make the society aware of Japanese Knotweed in the following categories

1. Japanese Knotweed was not seen on this property, but it can be seen on a neighbouring property or land where it was more than 7 metres away from the boundary.
2. Japanese Knotweed was not seen within the boundaries of this property, but it was seen on a neighbouring property or land. Here, it was within 7 metres of the boundary, but more than 7 metres away from habitable spaces, conservatory and/or garage of the subject property.

You will need to advise the society if you become aware of Japanese Knotweed in the following categories, you will need to provide specific details of which category the Japanese Knotweed falls into, the examples listed below are likely to be unacceptable to us

3. Although Japanese Knotweed is present within the boundaries of the property, it is more than 7 metres from a habitable space, conservatory, and/or garage. If there is damage to outbuildings, associated structures, paths and boundary walls and fences, it is minor.
4. Japanese Knotweed is within 7 metres of a habitable space, conservatory and/or garage, either within the boundaries of this property or in a neighbouring property or space and /or Japanese Knotweed is causing serious damage to outbuildings, associated structures, drains, paths, boundary walls and fences and so on.
Cynergy Bank Yes.
Darlington Building Society No
DB UK Bank Ltd No
Dudley Building Society No - simply advise us of entries in the local authority searches relating to contamination.
Earl Shilton Building Society Yes, if adverse contaminated land entry revealed in Local Authority Search or if recommended by the valuer
Ecology Building Society No
Family Building Soc (a trading name of National Counties BS) No.
Fleet Mortgages No. We expect to be informed, however, if any searches identify any matter which has an impact upon our proposed security.
Foundation Home Loans No; unless the result of your searches and enquiries identifies any matter which may affect our security in which case please forward the report together with your recommendations.
Furness Building Society Only if such reports indicate that the Society's security may be adversely affected or if they are a requirement of the offer of mortgage.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Generally no.

You do not need to make us aware of Japanese Knotweed in the following categories

1. Japanese Knotweed was not seen on this property, but it can be seen on a neighbouring property or land where it was more than 7 metres away from the boundary.
2. Japanese Knotweed was not seen within the boundaries of this property, but it was seen on a neighbouring property or land. Here, it was within 7 metres of the boundary, but more than 7 metres away from habitable spaces, conservatory and/or garage of the subject property.

You will need to advise us if you become aware of Japanese Knotweed in the following categories, you will need to provide specific details of which category the Japanese Knotweed falls into, the examples listed below are likely to be unacceptable to us

3. Although Japanese Knotweed is present within the boundaries of the property, it is more than 7 metres from a habitable space, conservatory, and/or garage. If there is damage to outbuildings, associated structures, paths and boundary walls and fences, it is minor.
4. Japanese Knotweed is within 7 metres of a habitable space, conservatory and/or garage, either within the boundaries of this property or in a neighbouring property or space and /or Japanese Knotweed is causing serious damage to outbuildings, associated structures, drains, paths, boundary walls and fences and so on.
Habito No
Halifax No
Halifax Loans Ltd No
Hampden & Co. plc Yes
Handelsbanken Yes, but only if the reports indicate matters requiring further investigation or if the content is likely to affect the security.
Harpenden Building Society Yes, if available.
Hinckley and Rugby Building Society We would only wish to receive an Environmental or Contaminated Land Report if there is an adverse contaminated land entry revealed in the local authority search.
Holmesdale Building Society only if the searches reveal the security is affected.
HSBC UK Bank plc Japanese Knotweed - You will need to advise the Bank if you become aware that there is, may be or has previously been Japanese Knotweed identified on or near the property.

Where Japanese Knotweed has not been identified within the boundaries of the property to be mortgaged to HSBC, but is present on neighbouring land over 7 metres from the boundary, we will rely on the Valuer to advise whether the property is suitable security.

Where Japanese Knotweed has been identified within the boundaries of the property being mortgaged to HSBC or on neighbouring land within 7 metres of the boundary, but is more than 7 metres from the habitable space being used as security, we can only proceed if any damage to outbuildings, paths and fences is minor. We will rely on the Valuer to confirm whether a Japanese Knotweed Survey is required and will require the following:
• A fully paid up Treatment plan which has commenced with an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association
• A minimum 10 year insurance backed guarantee can be provided on completion of the works.
Where Japanese Knotweed has been identified within 7 metres of a habitable space at the property (either within the boundary of the property being mortgaged to HSBC or on neighbouring land) and/or the Japanese Knotweed has caused serious damage to outbuildings, paths and boundary walls, a Japanese Knotweed Survey is required in addition to the following:

• A Treatment plan which has been fully completed by an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association
• A Completion Certificate that confirms the weed has already been fully remediated with a minimum 10 year insurance backed guarantee in place
All documents relating to Japanese Knotweed will be provided to the Valuer for their confirmation that the property is suitable for mortgage security and whether there is any impact on the valuation of the property.
Intelligent Finance No
Investec Bank plc No, but you should obtain the reports and retain copies.
ITL Mortgages Generally no.

You do not need to make us aware of Japanese Knotweed in the following categories

1. Japanese Knotweed was not seen on this property, but it can be seen on a neighbouring property or land where it was more than 7 metres away from the boundary.
2. Japanese Knotweed was not seen within the boundaries of this property, but it was seen on a neighbouring property or land. Here, it was within 7 metres of the boundary, but more than 7 metres away from habitable spaces, conservatory and/or garage of the subject property.

You will need to advise us if you become aware of Japanese Knotweed in the following categories, you will need to provide specific details of which category the Japanese Knotweed falls into, the examples listed below are likely to be unacceptable to us

3. Although Japanese Knotweed is present within the boundaries of the property, it is more than 7 metres from a habitable space, conservatory, and/or garage. If there is damage to outbuildings, associated structures, paths and boundary walls and fences, it is minor.
4. Japanese Knotweed is within 7 metres of a habitable space, conservatory and/or garage, either within the boundaries of this property or in a neighbouring property or space and /or Japanese Knotweed is causing serious damage to outbuildings, associated structures, drains, paths, boundary walls and fences and so on.
JPMorgan Chase Bank, N.A. No.
Kensington Mortgage Company Ltd No, unless the Offer states otherwise.
Kent Reliance (a trading name of OneSavings Bank plc) No simply advise us of entries revealed in the local authority or other searches relating to contamination.

We will require you to refer to us if the environmental search results indicate that the property is in close proximity to the HS2 rail route.
Keystone Property Finance No; unless the result of your searches and enquiries identifies any matter which may affect our security in which case please forward the report together with your recommendations
Landbay No. Where one is required you should be satisfied that it details no risk to us and that it is retained for information.
Landmark Mortgages Limited No
Leeds Building Society No. The Borrower must feel satisfied that the contents of the Environmental Report meets their requirements and that they are happy to proceed in full knowledge of what is reported.
Legal & General Home Finance Ltd Yes.
LendInvest No. We expect to be informed, however, if any searches identify any matter which has an impact upon our proposed security or there is any potential liability for us of which we should be aware.
Lloyds Bank plc pre fixed 20/40 No.
Lloyds Bank plc pre fixed 50/30/77 No
Lloyds TSB Scotland plc No
M&S Bank Japanese Knotweed - You will need to notify us if you become aware that there is, may be or has previously been Japanese Knotweed identified on or near the property.

Where Japanese Knotweed has not been identified within the boundaries of the property to be mortgaged to us, but is present on neighbouring land over 7 metres from the boundary, we will rely on the valuer to advise whether the property is suitable security.

Where Japanese Knotweed has been identified within the boundaries of the property being mortgaged to us or on neighbouring land within 7 metres of the boundary, but is more than 7 metres from the habitable space being used as security, we can only proceed if any damage to outbuildings, paths and fences is minor. We will rely on the valuer to confirm whether a Japanese Knotweed Survey is required and will require the following:
1. A fully paid up Treatment plan which has commenced with an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association
2. A minimum 10 year insurance backed guarantee can be provided on completion of the works.

Where Japanese Knotweed has been identified within 7 metres of a habitable space at the property (either within the boundary of the property being mortgaged to us or on neighbouring land) and/or the Japanese Knotweed has caused serious damage to outbuildings, paths and boundary walls, a Japanese Knotweed Survey is required in addition to the following:
1. A Treatment plan which has been fully completed by an appropriately qualified person or company such as an accredited member of an industry recognised trade association such as the Property Care Association and the Invasive Non-Native Specialists Association
2. A Completion Certificate that confirms that the weed has already been fully remediated with a minimum 10 year insurance backed guarantee in place

All documents relating to Japanese Knotweed will be provided to the valuer for their confirmation that the property is suitable for mortgage security and whether there is an impact on the valuation of the property.
Magellan Homeloans If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation to the address in 1.11.
Manchester Building Society Yes.
Market Harborough Building Society No
Masthaven Bank No, unless specified in the mortgage offer, or if such reports indicate that our security may be adversely affected.
Metro Bank plc Only if such reports indicate that the Bank's security may be adversely affected or if they are a requirement of the offer of mortgage.
Molo Finance Buy to Let Mortgages Yes, you must carry out contaminated land searches and environmental searches appropriate to the Property, its location and any use or former use of the land on which it is situate.
We do not need to receive the reports.
Monmouthshire Building Society Only in cases where further enquires are recommended in the report or where the valuer asks in his vaulation report for enquiries to be made or the Local Land Charge Search result indicates that the land is listed in the contaminated land register.
Mortgage Agency Services Yes
Mortgage Express If you obtain an environmental or contaminated land report which contains information you believe will affect our security please forward a copy of the report with your recommendation. We require any such reports to be site-specific.
Mortgage Express No 2  
National Counties Building Society No.
National Westminster Bank plc No

Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms.

HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters.

Mining entry: You do not need to make us aware of a mining interpretive report unless you become aware of an entry less than 20 meters from the property.
Nationwide Building Society No. Nor do we require any ancillary reports (e.g. flooding, contamination, and energy and infrastructure reports) that you have requested for the borrower, even if adverse information is revealed, provided the borrower is aware and you have advised them that full disclosure must be made to the insurer prior to completion and they must obtain insurance under normal terms.
Nedbank Private Wealth Ltd The instruction letter will tell you if we want environmental or contaminated land reports. They are also to be provided if recommended by the valuer.
New Street Mortgages No, but you must report any material issues which could affect the proposed security
NRAM Ltd No
Paragon Buy to Let Mortgages Yes, you must carry out contaminated land searches and environmental searches appropriate to the Property, its location and any use or former use of the land on which it is situate.
Paragon Residential Owner-Occupied Mortgages Yes, you must carry out contaminated land searches and environmental searches appropriate to the Property, its location and any use or former use of the land on which it is situate.
Paratus AMC Ltd No; unless the result of your searches and enquiries identifies any matter which may affect our security in which case please forward the report together with your recommendations.
Parity Trust No
Pepper Money Yes, please send to Pepper Money, Completions Department Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ or lendingenquiries@pepper.money
Pepper Money (PUK) Yes, please send to Pepper Money, Completions Department Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ or lendingenquiries@pepper.money
Platform (a trading name of The Co-operative Bank p.l.c.) NO, unless the valuer asks in his valuation report(and a copy of the valuation report is sent to you) and please report full details of any concerns to office issuing mortgage instructions
Precise Mortgages (Charter Court Financial Services Ltd) No.
Principality Building Society Yes, if adverse contaminated land entry revealed in Local Authority Search or if recommended by the valuer
Rooftop Mortgages Ltd No unless the valuer requests such reports in his valuation report. In which case you should send such reports to the address and contact details shown on the mortgage offer
No unless the valuer requests such reports in his valuation report. In which case you should send such reports to the address and contact details shown on the mortgage offer.
Saffron Building Society Only when we specifically request this in the mortgage offer Contact point as 1.11
Sainsbury's Bank No, although please let us know immediately (using the contact details given in 1.11a above) if the Local Authority Search discloses any information relating to contaminated land. You should not submit your Certificate of Title until such time as we have confirmed we are happy to proceed.
Santander UK plc No,unless the valuer asks in his valuation report (and a copy of the valuation report is sent to you) for enquiries to be made. If he does then you should send details to the Mortgage Operations office instructing you.
Scottish Building Society Yes, if such reports indicate that the Society's security may be adversely affected of if they are a requirement of the mortgage offer.
Scottish Widows Bank No.
Secure Trust Bank PLC No.
Skipton Building Society No, except where matters requiring further investigation are indicated in which case please send the Consultants Certificate only.
St James Place Bank No.
State Bank of India UK Only in cases where future enquiries are recommended in the report or where the valuer asks in his/her valuation report for enquiries to be made or the Local Land Charge Search result indicates that the land is listed in the contaminated land register
Swansea Building Society Only if such reports indicate that the Society's security may be adversely affected or if they are a requirement of the offer of mortgage.
Tesco Bank (a trading name of Tesco Personal Finance plc) No, although please let us know immediately (using the contact details given in 1.11b above) if the Local Authority Search discloses any information relating to contaminated land. You should not submit your Certificate of Title until such time as we have confirmed we are happy to proceed.
The Mortgage Business No
The Mortgage Lender Limited No. We expect to be informed, however, if any searches identify any matter which has an impact upon our proposed security.
The Mortgage Works No, nor do we require any ancillary reports (e.g. flooding, contamination and energy and infrastructure reports) that you have requested for the borrower, even if adverse information is revealed, provided the borrower is aware and you have advised them that full disclosure must be made to the insurer prior to completion and they must obtain insurance under normal terms.
The Royal Bank of Scotland plc No.

Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms.

HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters.

Mining entry: You do not need to make us aware of a mining interpretive report unless you become aware of an entry less than 20 meters from the property.
The Royal Bank of Scotland plc Direct Line Mortgages No.
The Royal Bank of Scotland plc Direct Line One No.
The Royal Bank of Scotland plc First Active No.
The Royal Bank of Scotland plc Natwest one Account No.
The Royal Bank of Scotland plc One Account No.
The Royal Bank of Scotland plc Virgin One No.
The Tipton & Coseley Building Society Yes.
Together Personal Finance Limited No, however acting Solicitor to report on any adverse entries.
Topaz Finance Ltd Not usually, however,we would expect you to carry out all the usual and necessary enquiries in accordance with the guidance in the Law Society warning card. If you have any concerns as a result of your enquiries and searches, please contact Mortgage Services for further instructions.
TSB Bank plc No
Ulster Bank Ltd No.

Nor do we require copies of any ancillary reports that you have requested for the borrower. The reports must be provided to the borrower who must make full disclosure of any risks to the insurer prior to completion. They must obtain insurance under normal terms.

HS2: You do not need to make us aware of proposed proximity of the property to HS2 unless this is less than 300 meters.

Mining entry: You do not need to make us aware of a mining interpretive report unless you become aware of an entry less than 20 meters from the property.
Vida Homeloans No, unless the Offer states otherwise.
Virgin Money No.
Whistletree (a trading name of TSB Bank plc) No
Yorkshire Bank Home Loans Ltd No,but you should draw our attention to any environmental issue that comes to your attention.
Yorkshire Building Society No.
Zephyr Mortgages Zephyr does not want to see these.