Answers for England and Wales
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Question: 5.5.3. Does the lender require an original/copy of the building regulation consents?
| 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 | Yes in some cases. Please contact the lender. |
| 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 building consents. If any breach of building regulations 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. A copy is acceptable. To be forwarded to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU following completion with the title deeds. |
| 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. |
| 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. |
| 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 building regulation consents were 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 |
| 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 |
