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: 5.9.1. Does the lender lend on commonhold?

Lender Answer
Accord Buy to Let No.
Accord Mortgages Ltd Yes
Adam & Company Only in certain circumstances. Please refer individual cases. See 1.11

Adam & Company International Only in certain circumstances. Please refer individual cases. See 1.11

Ahli United Bank (UK) plc No
Aldermore Bank PLC No.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc No
Aviva Equity Release UK Ltd Yes.
Bank of Ireland (UK) plc Yes.
Bank of Ireland as Bank of Ireland Mortgages Yes.
Bank of Scotland Beginning A New Mortgages - the tenure is not acceptable.
Existing Mortgages - considered on a case by case basis.
Bank of Scotland Beginning O New Mortgages - the tenure is not acceptable
Existing Mortgages - considered on a case by case basis
Barclays Bank UK PLC Yes
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes.
Birmingham Midshires New Mortgages - the tenure is not acceptable.
Existing Mortgages - considered on a case by case basis.

Bluestone Mortgages No.
Bradford & Bingley Plc Yes
Britannia, a trading name of The Co-operative Bank plc No
Buckinghamshire Building Society No
Capital Home Loans No
Chelsea Building Society (a trading name of Yorkshire BS) Yes.
Clydesdale Bank plc Yes.
Co-operative Bank plc No.
Coutts Only in certain circumstances. Please refer individual cases. See 1.11
Coutts Finance Co Only in certain circumstances. Please refer individual cases. See 1.11
Coventry Building Society No
Cynergy Bank No.
Darlington Building Society Yes
DB UK Bank Ltd No
Dudley Building Society Yes.
Earl Shilton Building Society Yes
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) Yes.
Fleet Mortgages No
Foundation Home Loans No
Furness Building Society No
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd No.
Habito No
Halifax New Mortgages - the tenure is not acceptable.
Existing Mortgages - considered on a case by case basis.
Halifax Loans Ltd New Mortgages - the tenure is not acceptable
Existing Mortgages - considered on a case by case basis.
Hampden & Co. plc Only in certain circumstances. Please refer individual cases. See 1.11.
Handelsbanken Yes, the Branch office instructing you must be made aware as early as known.
Harpenden Building Society Refer to Mortgage Department
Harpenden Building Society
Mardall House
9-11 Vaughan Road
Harpenden, Herts
AL5 4HU
Hinckley and Rugby Building Society No.
Hodge Equity Release No
Hodge Life No
Holmesdale Building Society Yes.
HSBC UK Bank plc Yes
Intelligent Finance No
Investec Bank plc Each case will be assessed on its merits - please contact the member of Banking Legal or PBLO named in your instruction letter to discuss the circumstances and to seek approval.
ITL Mortgages No
JPMorgan Chase Bank, N.A. No
Kensington Mortgage Company Ltd Yes.
Kent Reliance (a trading name of OneSavings Bank plc) No
Keystone Property Finance No
Landbay No.
Landmark Mortgages Limited No
Leeds Building Society Yes.
Legal & General Home Finance Ltd No.
LendInvest No
Lloyds Bank plc pre fixed 20/40 No.
Lloyds Bank plc pre fixed 50/30/77 Yes
Lloyds TSB Scotland plc Yes
M&S Bank yes
Magellan Homeloans No
Manchester Building Society Yes.
Market Harborough Building Society Yes
Masthaven Bank Yes.
Metro Bank plc No.
Molo Finance Buy to Let Mortgages Yes, but not if there are more than 4 units in the building.
Monmouthshire Building Society Yes.
Mortgage Agency Services No
Mortgage Express Yes
Mortgage Express No 2  
National Counties Building Society Yes.
National Westminster Bank plc No
Nationwide Building Society Yes
Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages No
NRAM Ltd No
Paragon Buy to Let Mortgages No
Paragon Residential Owner-Occupied Mortgages Yes - please contact us to discuss the specific requirements.
Paratus AMC Ltd No.
Parity Trust No
Pepper Money No
Pepper Money (PUK) No
Platform (a trading name of The Co-operative Bank p.l.c.) No.
Precise Mortgages (Charter Court Financial Services Ltd) No.
Principality Building Society No
Rooftop Mortgages Ltd No.
Saffron Building Society Yes.
Sainsbury's Bank Yes, as long as the conditions in 5.9.2 of Part 1 are satisfied.
Santander UK plc No.
Scottish Building Society  
Scottish Widows Bank Yes.
Secure Trust Bank PLC No.
Skipton Building Society Not at present.
St James Place Bank No.
State Bank of India UK No.
Swansea Building Society No
Tesco Bank (a trading name of Tesco Personal Finance plc) We do not lend on commonhold property.
The Mortgage Business New Mortgages - the tenure is not acceptable.
Existing Mortgages - considered on a case by case basis.
The Mortgage Lender Limited No
The Mortgage Works No
The Royal Bank of Scotland plc No.
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 Yes.
Topaz Finance Ltd Yes.
TSB Bank plc No
Ulster Bank Ltd Refer individual cases to the Bank.
Vida Homeloans No
Virgin Money Yes, so long as the Commonhold Association has been formed in the correct manner and that our interest is adequately protected.
Whistletree (a trading name of TSB Bank plc) No
Yorkshire Bank Home Loans Ltd Yes.
Yorkshire Building Society Yes.
Zephyr Mortgages Zephyr does not lend on commonhold