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: 5.15.2. Does the lender need to be sent the management company's memorandum and articles of association?

Lender Answer
Accord Buy to Let No.
Accord Mortgages Ltd No
Adam & Company Yes, after completion.
Adam & Company International Yes, 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) No, may be provided to the Borrower.
Atom Bank plc No.
Aviva Equity Release UK Ltd No.
Bank of Ireland (UK) plc Yes, to be placed with the title deeds after completion.
Bank of Ireland as Bank of Ireland Mortgages Yes, to be placed with the title deeds after completion.
Bank of Scotland Beginning A Please supply copies on completion and forward the originals to the borrower.
Bank of Scotland Beginning O Please supply copies on completion and forward the originals to the borrower.
Barclays Bank UK PLC No
Barnsley Building Soc, a trading name Yorkshire Building Soc No.
Birmingham Midshires Please supply copies on completion and forward the originals to the borrower.
Bluestone Mortgages Yes, please place with the Deeds.
Bradford & Bingley Plc No
Britannia, a trading name of The Co-operative Bank plc No
Buckinghamshire Building Society No unless requested
Capital Home Loans No
Chelsea Building Society (a trading name of Yorkshire BS) No.
Clydesdale Bank plc No.
Co-operative Bank plc No
Coutts Yes, after completion.
Coutts Finance Co Yes, after completion.
Coventry Building Society No
Cynergy Bank No.
Darlington Building Society No, borrowers to retain
DB UK Bank Ltd No
Dudley Building Society No
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 Yes - this should be sent to us after completion with the title documents.
Furness Building Society Yes, with the 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 Please supply copies on completion and forward the originals to the borrower.
Halifax Loans Ltd Please supply copies on completion and forwardd the originals to the borrower
Hampden & Co. plc Please retain with the title deeds.
Handelsbanken Yes, following completion.
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.
HSBC UK Bank plc No
Intelligent Finance Please supply a copy on completion of registration to Incoming Deeds, Deeds Customer Services, Halifax plc, Trinity Road, Halifax, West Yorkshire HX1 2RG (DX11896 Halifax) and forward the original to the borrower.
Investec Bank plc No.
ITL Mortgages No
JPMorgan Chase Bank, N.A. Yes.
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 that these documents contain no restriction on transfer of ownership.
Keystone Property Finance No, unless we specifically request for a copy to be sent at any time
Landbay No. This should be retained in your file after completion
Landmark Mortgages Limited No
Leeds Building Society No, but please retain a copy on your file.
Legal & General Home Finance Ltd No.
LendInvest No
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 Please forward to borrower for the borrower to retain
Manchester Building Society No.
Market Harborough Building Society Yes
Masthaven Bank Yes, please place with the Deeds.
Metro Bank plc No.
Molo Finance Buy to Let Mortgages No, but must keep a copy on your file.
Monmouthshire Building Society No
Mortgage Agency Services Yes, for safekeeping
Mortgage Express No
Mortgage Express No 2  
National Counties Building Society Yes.
National Westminster Bank plc No.
Nationwide Building Society No - borrower(s) to retain
Nedbank Private Wealth Ltd Yes - see above.
New Street Mortgages No
NRAM Ltd No
Paragon Buy to Let Mortgages Yes, please place with deeds.
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.
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 documents.
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 Please supply a copy on completion of registration to Incoming Deeds, Deeds Customer Services, Halifax plc, Trinity Road, Halifax. HX1 2RG (DX11896 Halifax) and forward the original 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 Please supply copies on completion and forward the originals to the borrower.
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 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.
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. Details as 1.11a
Yorkshire Bank Home Loans Ltd No.
Yorkshire Building Society No.
Zephyr Mortgages No.