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: 5.14.12. Does the lender require a clear ground rent/service charge receipt to be sent to you?

Lender Answer
Accord Buy to Let No, but you must retain a copy on your file
Accord Mortgages Ltd No
Adam & Company Yes, after completion and see also our 'Separate Instructions'

Adam & Company International Yes. Please send us a clear receipt for all payments due under the lease after completion.

Ahli United Bank (UK) plc Yes
Aldermore Bank PLC No - borrowers to retain.
Allied Irish Bank (GB), a trading name of AIB Group (UK) To be obtained, but may be forwarded to the Borrower.
Atom Bank plc No, as long as you retain a copy on your file.
Aviva Equity Release UK Ltd No.
Bank of Ireland (UK) plc No. However, please ensure you obtain one on or before completion.
Bank of Ireland as Bank of Ireland Mortgages No. However, please ensure you obtain one on or before completion.
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 No
Barnsley Building Soc, a trading name Yorkshire Building Soc No.
Birmingham Midshires No, please forward to the borrower.
Bluestone Mortgages No, but please keep a copy with your file.
Bradford & Bingley Plc No
Britannia, a trading name of The Co-operative Bank plc No
Buckinghamshire Building Society No
Capital Home Loans No. However, we expect you to have satisfied yourself that there is no outstanding ground rent or service charges.
Chelsea Building Society (a trading name of Yorkshire BS) No.
Clydesdale Bank plc No.
Co-operative Bank plc No
Coutts Yes. Please send us a clear receipt for all payments due under the lease after completion.
Coutts Finance Co Yes. Please send us a clear receipt for all payments due under the lease after completion.
Coventry Building Society No
Cynergy Bank Yes.
Darlington Building Society No, borrowers to retain
DB UK Bank Ltd NO
Dudley Building Society No.
Earl Shilton Building Society No
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) No.
Fleet Mortgages No. However, we expect you to have satisfied yourself that there is no outstanding ground rent or service charges.
Foundation Home Loans Yes - this should be sent to us after completion with the title documents.
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 No, please forward to the borrower.
Halifax Loans Ltd No, please forward to the borrower
Hampden & Co. plc Please retain with title deeds.
Handelsbanken Yes.
Harpenden Building Society Yes, after completion
Hinckley and Rugby Building Society No, you must hold clear receipts.
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 No
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 following completion.
Kent Reliance (a trading name of OneSavings Bank plc) No but you must ensure ground rent and service charges are paid up to date at completion
Keystone Property Finance No. However we expect you to have satisfied yourself that there is no outstanding ground rent or service charges
Landbay Yes. This should be retained in 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. However, we expect you to have satisfied yourself that there is no outstanding ground rent or service charges.
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
Magellan Homeloans We expect you to have satisfied yourself that there is no outstanding ground rent or service charges prior to completion. Copy of receipts to be forwarded following the completion of the transaction.
Manchester Building Society No.
Market Harborough Building Society Yes
Masthaven Bank No, but please keep a copy with your file.
Metro Bank plc No.
Molo Finance Buy to Let Mortgages Yes, and you must retain a copy on your file.
Monmouthshire Building Society No, please send to the borrowers for safe keeping.
Mortgage Agency Services Yes with original mortgage deed, associated documents and papers
Mortgage Express No
Mortgage Express No 2  
National Counties Building Society No.
National Westminster Bank plc No.
Offset Flexible Mortgage - Yes, after completion.
Nationwide Building Society No - borrower(s) to retain
Nedbank Private Wealth Ltd You need not send us the clear receipts.
New Street Mortgages No, you should satisfy yourself as our representative that the ground rent/service charge account is clear.
NRAM Ltd Yes, after completion with the Title deeds.
Paragon Buy to Let Mortgages Yes, please place with deeds. Please see our Supplemental Instructions and Guidance Notes.
Paragon Residential Owner-Occupied Mortgages Yes, please place with the deeds.
Paratus AMC Ltd Yes - this should be sent to us after completion with the title documents.
Parity Trust Yes
Pepper Money Yes, please send to Pepper Money, Servicing Department Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ
Pepper Money (PUK) Yes, please send to Pepper Money, Servicing Department Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ
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 - borrower to retain
Sainsbury's Bank No, these should be retained by the borrower. Please also keep a copy on your file.
Santander UK plc No.
Scottish Building Society  
Scottish Widows Bank No.
Secure Trust Bank PLC No, borrowers to retain.
Skipton Building Society No, as long as you retain it on your file.
St James Place Bank No, please forward to the borrower.
State Bank of India UK Yes – please place with the Title Deeds.
Swansea Building Society Yes
Tesco Bank (a trading name of Tesco Personal Finance plc) No.
The Mortgage Business No, please forward to the borrower.
The Mortgage Lender Limited No. However, we expect you to have satisfied yourself that there is no outstanding ground rent or service charges.
The Mortgage Works No, borrower is to retain
The Royal Bank of Scotland plc No.
Offset Flexible Mortgage - Yes, after completion.
The Royal Bank of Scotland plc Direct Line Mortgages Yes, after completion.
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.
Together Personal Finance Limited No.
Topaz Finance Ltd No but please keep a copy with your file.
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 but please keep a copy with your file.