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: 5.5.3. Does the lender require an original/copy of the planning permission?

Lender Answer
Accord Buy to Let No, but you must retain a copy of your file.
Accord Mortgages Ltd No
Adam & Company Yes, after completion.

Adam & Company International Yes, after completion
Ahli United Bank (UK) plc Please refer to Central Administration Unit
Aldermore Bank PLC No - borrowers to retain.
Allied Irish Bank (GB), a trading name of AIB Group (UK) No
Atom Bank plc No, however we may request a copy if the property has been converted in the last 10 years and we require you to keep a copy with your mortgage file in all cases.
Aviva Equity Release UK Ltd No.
Bank of Ireland (UK) plc No.
Bank of Ireland as Bank of Ireland Mortgages No.
Bank of Scotland Beginning A No, please forward to the borrower
Bank of Scotland Beginning O No, please forward to the borrower.
Barclays Bank UK PLC Yes, for self build properties. No, in all other cases
Barnsley Building Soc, a trading name Yorkshire Building Soc No.
Birmingham Midshires No, please forward to the borrower.
Bluestone Mortgages No, please place with the Deeds.
Bradford & Bingley Plc No, please pass to the borrowers for safe keeping
Britannia, a trading name of The Co-operative Bank plc No Please forward to the borrower
Buckinghamshire Building Society No
Capital Home Loans No, these are to be placed with the documents for the customer(s) own retention. You must ensure that the customer(s) are made aware of the importance of retaining these documents.
Chelsea Building Society (a trading name of Yorkshire BS) No.
Clydesdale Bank plc No
Co-operative Bank plc No, please forward to the borrower.
Coutts Yes, after completion.
Coutts Finance Co Yes, after completion.
Coventry Building Society No
Cynergy Bank Yes.
Darlington Building Society No, borrowers to retain
DB UK Bank Ltd Please place with the Title Information Documents
Dudley Building Society The conveyancer must provide us with a copy of the valid full planning permission for the proposed building, and confirm that you have submitted working drawings for Building Regulation Design Approval with either the Local Authority or an Approved Inspector.
Earl Shilton Building Society Yes
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) Yes.
Fleet Mortgages No. We may, however, ask you for copies of the documents if we require them.
Foundation Home Loans Yes - these should be sent to us after completion with the title documents.
Furness Building Society Yes, with title deeds.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd No
Habito No
Halifax No, please forward to the borrower.
Halifax Loans Ltd No, please forward to the borrower.
Hampden & Co. plc To be retained with the deeds.
Handelsbanken Yes.
Harpenden Building Society Yes, after completion
Hinckley and Rugby Building Society No.
Hodge Equity Release No, these should be retained by the borrower. Please also keep a copy on your file.
Hodge Life No, these should be retained by the borrower. Please also keep a copy on your file.
Holmesdale Building Society Yes, after completion.
HSBC UK Bank plc We do not require a copy of the planning permission.
If any breach of planning permission is still within any applicable enforcement period, we will rely upon your professional judgement to protect any risk to the Bank. If you consider indemnity insurance is required, this should be obtained in accordance with Section 9 of the UK Finance Handbook. If not, we do not need to be notified.
Intelligent Finance No, please forward to the borrower
Investec Bank plc No but you should retain a copy in the file of original deal documents that you hold for the Bank.
ITL Mortgages No
JPMorgan Chase Bank, N.A. Yes - placed with deeds.
Kensington Mortgage Company Ltd Yes. To be forwarded to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU.
Kent Reliance (a trading name of OneSavings Bank plc) No, borrower to retain but you should retain a copy on your file
Keystone Property Finance No. We may however ask you for copies of the documents if we require them
Landbay No. These should be retained within your file for review.
Landmark Mortgages Limited Yes, after completion with the Title Deeds.
Leeds Building Society No, but please retain a copy on your file.
Legal & General Home Finance Ltd Yes, after completion. We do not lend on Grade 1 and Grade 2* properties.
LendInvest No. We may, however, ask you for copies of the documents if we require them.
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 no, however we may request a copy if the property has been converted in the last 10 years
Magellan Homeloans Please forward to borrower for the borrower to retain
Manchester Building Society No.
Market Harborough Building Society Yes
Masthaven Bank No, please place with the Deeds.
Metro Bank plc No.
Molo Finance Buy to Let Mortgages No, but you must retain a copy on your file.
Monmouthshire Building Society No, please pass to the borrower for safe keeping
Mortgage Agency Services Yes, with original mortgage deed, associated documents an papers
Mortgage Express No, please pass to the borrowers for safe keeping.
Mortgage Express No 2  
National Counties Building Society Yes.
National Westminster Bank plc No.
Nationwide Building Society No - borrowers to retain
Nedbank Private Wealth Ltd Yes if within 6 years
New Street Mortgages No, you should satisfy yourself as our representative that appropriate planning permission was granted
NRAM Ltd Yes, after completion with the Title deeds.
Paragon Buy to Let Mortgages Yes, please place originals with the deeds. Where the property is a House in Multiple Occupation copies will need to be provided prior to release of funds.
Paragon Residential Owner-Occupied Mortgages Yes, please place originals with the deeds.
Paratus AMC Ltd Yes - these should be sent to us after completion with the title documents.
Parity Trust Yes
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.) Yes - placed with deeds.
Precise Mortgages (Charter Court Financial Services Ltd) No.
Principality Building Society No, please pass to the borrowers for safe keeping
Rooftop Mortgages Ltd Yes. Please place with the title deeds.
Saffron Building Society No - unless specified on the mortgage offer.
Borrower to retain. You should retain a copy on your file.
Sainsbury's Bank No, these should be retained by the borrower.
Santander UK plc No, unless your individual instructions on a particular case require this.
Scottish Building Society Yes, place with Title Deeds when sending to the Society.
Scottish Widows Bank Yes,after completion.
Secure Trust Bank PLC No, borrowers to retain.
Skipton Building Society See 14.2.2.
St James Place Bank No, please forward to the borrower.
State Bank of India UK Yes. Please place copy with the Title Deeds only.
Swansea Building Society Yes
Tesco Bank (a trading name of Tesco Personal Finance plc) No – this should be retained by the borrower.
The Mortgage Business No, please forward to the borrower.
The Mortgage Lender Limited Yes, after Completion. Please place with the title documents.
The Mortgage Works No, borrower is to retain
The Royal Bank of Scotland plc No.
The Royal Bank of Scotland plc Direct Line Mortgages Yes.
The Royal Bank of Scotland plc Direct Line One Yes, after completion.
The Royal Bank of Scotland plc First Active If our letter of instruction to you is issued before 22 June 2009 - Yes, after completion.
If our letter of instruction to you is issued on or after 22 June 2009 - No
The Royal Bank of Scotland plc Natwest one Account No, however, required after completion for cases instructed prior to 5/12/2011.
The Royal Bank of Scotland plc One Account No, however, required after completion for cases instructed prior to 5/12/2011.
The Royal Bank of Scotland plc Virgin One No, however, required after completion for cases instructed prior to 5/12/2011.
The Tipton & Coseley Building Society No, borrower to retain.
Together Personal Finance Limited No - this should be retained by the borrower.
Topaz Finance Ltd No.
TSB Bank plc No
Ulster Bank Ltd Yes, after completion.
Vida Homeloans Copy to:
Mortgage Services,
Vida Homeloans,
Gateway House,
Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
Virgin Money No.
Whistletree (a trading name of TSB Bank plc) Yes, after completion with the Title Deeds
Yorkshire Bank Home Loans Ltd No
Yorkshire Building Society No.
Zephyr Mortgages No