Answers for England and Wales
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Question: 5.17.5. Does the lender need to be sent the power of attorney?
| Lender | Answer |
|---|---|
| Accord Buy to Let | No. |
| Accord Mortgages Ltd | No |
| Adam & Company |
Yes, after completion, duly certified in accordance with Section 3 of the Powers of Attorney Act 1971. |
| Adam & Company International |
Yes, after completion, duly certified in accordance with Section 3 of the Powers of Attorney Act 1971. |
| Ahli United Bank (UK) plc | We do not generally accept documentation signed under Power of Attorney. Please refer to Central Administration Unit for approval on this particular case |
| Aldermore Bank PLC | We would not normally accept a power of attorney. Please refer to 1.11. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) | Yes at completion. |
| Atom Bank plc | Yes, if the mortgage account is to be operated under the power of attorney, we require sight of the power of attorney before completion to check its suitability along with a specimen signature of the attorney. In addition you should satisfy yourself that the attorney will have the necessary delegated powers to operate the account. |
| Aviva Equity Release UK Ltd | Yes - certified copy only. |
| Bank of China | No Powers of Attorney accepted. All documents must be signed by Original Parties. |
| 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 |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to Bank of Scotland, Nexus, PO Box 548, Leeds, LS1 1WU |
| Bank of Scotland Beginning O |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh EH12 9DJ |
| Barclays Bank UK PLC | No |
| Barnsley Building Soc, a trading name Yorkshire Building Soc | No. |
| Birmingham Midshires | No |
| Bluestone Mortgages | No, but please keep a copy with your file. |
| Bradford & Bingley Plc | A certified copy is required on completion with the title deeds. |
| Britannia, a trading name of The Co-operative Bank plc | Yes |
| Buckinghamshire Building Society | Yes |
| Capital Home Loans | Yes, a certified copy before completion. |
| Chelsea Building Society (a trading name of Yorkshire BS) | No. |
| Clydesdale Bank plc |
Only if the mortgage account is to be operated under the Power of Attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to: Mortgage Services PO BOX 3105 Clydebank Glasgow G60 9AU |
| Co-operative Bank plc | Yes |
| Coutts | Yes, after completion, duly certified in accordance with Section 3 of the Powers of Attorney Act 1971. |
| Coutts Finance Co | Yes, after completion, duly certified in accordance with Section 3 of the Powers of Attorney Act 1971. |
| Coventry Building Society | A certified copy, following completion if the Mortgage Deed is executed under a Power of Attorney. |
| Cynergy Bank | Yes. To be provided with the title deeds and documents following the conveyance. |
| Darlington Building Society | Please send copy with Certificate of Title |
| DB UK Bank Ltd | Yes |
| Dudley Building Society | Yes, a certified copy, following completion if the mortgage deed is executed under a power of attorney. |
| Earl Shilton Building Society | Yes |
| Ecology Building Society | Yes |
| Family Building Soc (a trading name of National Counties BS) | Yes. |
| Fleet Mortgages |
No. We will not lend unless all documents have been signed by the borrower(s). Documents signed by attorneys are unacceptable. |
| 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 | A certified copy, following completion if the mortgage deed is executed under a power of attorney. |
| Habito | No |
| Halifax |
No. |
| Halifax Loans Ltd |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter to Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG |
| Hampden & Co. plc | Please retain with the title deeds. It must be duly certified in accordance with Section 3 of the Powers of Attorney Act 1971. |
| Handelsbanken | Yes, certified copy following completion. |
| Harpenden Building Society |
Certified copy |
| Hinckley and Rugby Building Society | Yes, after completion, with the Title Documents. |
| Hodge |
Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to us (as per 11.1a) as soon as possible (and in any event within 7 days) after completion. If the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Please confirm the correspondence address for the attorney. Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter. We do not accept General Power of Attorney |
| Hodge Equity Release |
Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to us (as per 11.1a) as soon as possible (and in any event within 7 days) after completion. If the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Please confirm the correspondence address for the attorney. Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter. We do not accept General Power of Attorney |
| Holmesdale Building Society | yes, after completion. |
| HSBC UK Bank plc | Yes, we require sight of the power of attorney before completion to check its suitability along with a specimen signature of the attorney. |
| Intelligent Finance |
No. Please note we will not allow an attorney to operate the mortgage following completion. |
| Investec Bank plc | You should retain this 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 where agreed by office issuing Mortgage Instructions. |
| Kensington Mortgage Company Ltd | For matters post completion, yes we require sight of the Power of Attorney. Please forward to: Deeds Administration, Kensington Mortgage Company Ltd, PO Box 4760, Maidenhead, SL60 1HU. However please note that applicants may not appoint a power of attorney to sign any documents in relation to the mortgage prior to completion. |
| Kent Reliance (a trading name of OneSavings Bank plc) | No, but you should retain on your file. |
| Keystone Property Finance | No. We will not lend unless all documents have been signed by the borrower(s). Documents signed by attorneys are unacceptable |
| Landbay | Yes. This should be sent to us after completion |
| Landmark Mortgages Limited | Yes, after completion with the Title Deeds. A certified copy is sufficient. |
| Leeds Building Society | Yes. Please upload to the LMS system S.T.A.R.S after completion. |
| Legal & General Home Finance Ltd | Yes, we require a copy certified by a solicitor. Where the mortgage is a lifetime mortgage, an attorney may only sign on behalf of a borrower where the power is an enduring or lasting power of attorney and the borrower is incapacitated. You must confirm that the mortgage is for the welfare and benefit of the donor. You must obtain a clear bankruptcy search against any attorney(s). |
| LendInvest | No. We will not lend unless all documents have been signed by the borrower(s). Documents signed by attorneys are unacceptable. |
| LiveMore Capital | Yes, see section E2.2.2 of Livemore's conveyancing instructions |
| Lloyds Bank plc pre fixed 20/40 | A certified copy, following completion if the Mortgage Deed is executed under a Power of Attorney. |
| Lloyds Bank plc pre fixed 50/30/77 |
Yes, with the title deeds if the Mortgage Deed or Mortgage Loan Agreement is executed under a Power of Attorney. |
| Lloyds TSB Scotland plc |
A certified copy, following completion if the Mortgage Deed or Loan Agreement is executed under a Power of Attorney. |
| M&S Bank | Yes, we require sight of the power of attorney before completion to check its suitability along with a specimen signature of the attorney |
| Magellan Homeloans | Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must check that the power of attorney delegates the necessary powers for the operation of the account and send a suitably certified copy, together with a covering letter, to issuing office in 1.11 |
| Manchester Building Society | Yes, after completion with the Title deeds. |
| Market Harborough Building Society |
Yes |
| Masthaven Bank | No, but please keep a copy with your file. |
| Metro Bank plc | Yes – a certified copy of the power of attorney is required to be sent to mortgagecompletions@metrobank.plc.uk |
| Molo Finance Buy to Let Mortgages | No, but must keep a copy on your file. |
| Monmouthshire Building Society | Yes. |
| Mortgage Agency Services | Yes |
| Mortgage Express | A certified copy is required on completion with the title deeds. |
| Mortgage Express No 2 | |
| National Counties Building Society | Yes. |
| National Westminster Bank plc |
Yes, a certified copy to be sent after completion as set out in 14.2.2. |
| Nationwide Building Society | No |
| Nedbank Private Wealth Ltd | You must refer to us. |
| New Street Mortgages |
For matters post completion, yes we require sight of the Power of Attorney. Please forward to: New Street Mortgages, PO Box 4760, Maidenhead, SL60 1HU. However please note that applicants may not appoint a power of attorney to sign any documents in relation to the mortgage prior to completion. |
| NRAM Ltd | Yes, after completion with the Title deeds. A certified copy is sufficient. |
| Paragon Buy to Let Mortgages |
A power of attorney must not be used for the execution of our documentation (including but not limited to the Legal Charge and any supporting Deed of Guarantee). Where any other documents have been executed under a power of attorney with our prior consent in writing, please include a certified copy with the deeds. |
| Paragon Residential Owner-Occupied Mortgages | A power of attorney must not be used for the execution of our documentation (including but not limited to the Legal Charge and any supporting Deed of Guarantee). Where any other documents have been executed under a power of attorney with our prior consent in writing, please include a certified copy with the deeds. |
| Paratus AMC Ltd | Yes - this should be sent to us after completion with the title documents. |
| Parity Trust | Yes |
| Pepper Money | Pepper Money does not accept applications or offer mortgages involving powers of attorney. Please notify us as soon as possible on 0333 370 1101 if you are made aware of any intention to use a power of attorney. |
| Pepper Money (PUK) | Pepper Money does not accept applications or offer mortgages involving powers of attorney. Please notify us as soon as possible on 0333 370 1101 if you are made aware of any intention to use a power of attorney. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | Yes |
| Precise Mortgages (Charter Court Financial Services Ltd) | Yes. |
| Principality Building Society |
Please send a certified copy with Certificate of Title |
| Rooftop Mortgages Ltd | Yes. Please place with the title deeds. |
| Saffron Building Society |
Yes - please note we would not normally accept a power of attorney in relation to purchases. Please refer to 1.11 |
| Sainsbury's Bank |
Please inform us immediately if there is a power of attorney at the contact point as detailed in 1.11a. Yes, a certified copy should be sent to us at completion. |
| Santander UK plc |
Yes, a suitably certified copy of the power of attorney, together with a covering letter, is required to be sent to the Mortgage Operations office instructing you as soon as possible (and in any event within 7 days) after completion. If the mortgage account is to be operated under the power of attorney following completion, you must check that the power of attorney delegates the necessary powers for the operation of the account and confirm in the covering letter that this is the case. Please confirm the correspondence address for the attorney. Where the attorney is not a member of the Donor's family or a solicitor, please provide details of the relationship/association between the Donor and the attorney in the covering letter. |
| Scottish Building Society | |
| Scottish Widows Bank | Yes, after completion. |
| Secure Trust Bank PLC | We would not normally accept a power of attorney. Please refer to 1.11. |
| Skipton Building Society | No, as long as you retain it on your file. |
| St James Place Bank | No. Please note that we will not allow an attorney to operate the mortgage facility following completion. |
| State Bank of India UK | A power of attorney must not be used for the execution of our documentation. |
| Swansea Building Society | Yes |
| The Mortgage Business |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to The Mortgage Business, PO Box 548 Leeds LS1 1WU. |
| The Mortgage Lender Limited | Documents signed by attorneys are unacceptable. |
| The Mortgage Works | No |
| The Royal Bank of Scotland plc |
Yes, a certified copy to be sent after completion as set out in 14.2.2. |
| The Royal Bank of Scotland plc Direct Line Mortgages | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Direct Line One | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc First Active | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Natwest one Account | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc One Account | Yes, a certified copy to be sent after completion. |
| The Royal Bank of Scotland plc Virgin One | Yes, a certified copy to be sent after completion. |
| The Tipton & Coseley Building Society | Yes. |
| Together Personal Finance Limited | Yes - Solicitor to advise of the reason for a Power of Attorney being used. |
| Topaz Finance Ltd | No but please keep a copy on your file. |
| TSB Bank plc | A certified copy, following completion if the Mortgage Deed or Loan Agreement is executed under a Power of Attorney. |
| Ulster Bank Ltd | Yes, a certified copy to be sent after completion. |
| Vida Homeloans |
Certified copy to: Mortgage Services, Vida Homeloans, Gateway House, Gargrave Road, Skipton, North Yorkshire, BD23 2HL |
| Virgin Money | The documents we need post-completion are listed in our current Deeds Schedule. |
| Whistletree (a trading name of TSB Bank plc) | Yes, after completion with the Title Deeds |
| Yorkshire Bank Home Loans Ltd |
Only if the mortgage account is to be operated under the power of attorney following completion. In those circumstances you must send a suitably certified copy, together with a covering letter to: Mortgage Services PO BOX 3105 Clydebank Glasgow G60 9AU Tel - 0800 121 4203 |
| Yorkshire Building Society | No. |
| Zephyr Mortgages | No but please keep a copy on your file. |
