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: 6.6.3. Does the lender require counterpart/certified copy tenancy agreement to be sent to you?

Lender Answer
Accord Buy to Let No. But you must retain a copy for your file.
Accord Mortgages Ltd No
Adam & Company Yes, a certified copy of the counterpart after completion.

Adam & Company International Yes, a certified copy of the counterpart after completion.

Ahli United Bank (UK) plc Yes
Aldermore Bank PLC No.
Allied Irish Bank (GB), a trading name of AIB Group (UK) No, may be provided to the Borrower.
Atom Bank plc No - to be held on file with the title deeds and documents after completion unless otherwise stated in the offer.
Aviva Equity Release UK Ltd We do not consent to lettings.
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 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.
Bradford & Bingley Plc No
Britannia, a trading name of The Co-operative Bank plc We do not lend on a property that is let or will be let on completion.
Buckinghamshire Building Society Yes
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 Yes
Co-operative Bank plc We do not lend on a property that is let or will be let upon completion
Coutts Yes, a certified copy of the counterpart after completion.
Coutts Finance Co Yes, a certified copy of the counterpart after completion.
Coventry Building Society No
Cynergy Bank Yes.
Darlington Building Society Yes, certified after completion
DB UK Bank Ltd Yes
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. We may, however, ask you for copies of the documents if we require them.
Foundation Home Loans No, you have already approved the document on our behalf and should retain a certified copy on your file.
Furness Building Society Yes, with the title deeds, unless the offer of mortgage makes no reference to tenancies or leases, in which case copies are required prior to completion.
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 the title deeds.
Handelsbanken Yes, following completion.
Harpenden Building Society Yes, after completion
Hinckley and Rugby Building Society Yes, after completion, unless Offer Condition provides otherwise.
Hodge Equity Release We do not consent to lettings
Hodge Life No, but please retain a copy on your file
Holmesdale Building Society Yes.
HSBC UK Bank plc No
Intelligent Finance No, please forward 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 only Assured Shorthold Tenancy Agreements are acceptable.
Keystone Property Finance No, you have already approved the document on our behalf and should retain a certified copy on your file
Landbay Yes. If there is one in existence.
Landmark Mortgages Limited Yes, Counterpart after completion with the Title Deeds.
Leeds Building Society No, but please retain a copy on your file.
Legal & General Home Finance Ltd No.
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
Magellan Homeloans No - to be held on file with the title deeds and documents after completion unless otherwise stated in the offer.
Manchester Building Society No.
Market Harborough Building Society Yes
Masthaven Bank No.
Metro Bank plc No - to be held on file with the title deeds and documents after completion unless otherwise stated in the offer.
Molo Finance Buy to Let Mortgages Yes - please place with deeds.
If an assured shorthold tenancy (AST) is in place, compare the monthly rental value in the AST to the monthly rental value specified in the Mortgage Offer. If the AST monthly rental value is lower than the monthly rental value in the Mortgage Offer, please report to us.
Monmouthshire Building Society No, please pass to the borrowers for safe keeping
Mortgage Agency Services Yes
Mortgage Express No
Mortgage Express No 2  
National Counties Building Society Yes.
National Westminster Bank plc No
Nationwide Building Society No
Nedbank Private Wealth Ltd Yes.
New Street Mortgages No, as our representative you should satisfy yourself that the following is fulfilled:

Only lettings on a single Assured Shorthold Tenancy agreement (AST) per house or flat for no more than 12 months with a 6 month break clause for any over 6 months in duration are acceptable. Multiple lets, bedsits, tenants of local authorities/DSS/housing associations/Corporate are not acceptable. The maximum rental figure acceptable is £100,000 per annum.

Properties cannot be let to family members
NRAM Ltd Yes, counterpart after completion with the title deeds.
Paragon Buy to Let Mortgages Yes - please place with deeds.
Paragon Residential Owner-Occupied Mortgages N\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\A.
Paratus AMC Ltd No, you have already approved the document on our behalf and should retain a certified copy on your file.
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.
Saffron Building Society Refer to mortgage offer
Sainsbury's Bank No, but please retain a copy for your file and ensure that the terms of the tenancy agreement comply with our terms and conditions. We may request a copy of the agreement, if we require it
Santander UK plc No, unless your individual instructions on a particular case require this.
Scottish Building Society Yes
Scottish Widows Bank Yes.
Secure Trust Bank PLC No.
Skipton Building Society No.
St James Place Bank No, please forward to the borrower.
State Bank of India UK No.
Swansea Building Society Yes
Tesco Bank (a trading name of Tesco Personal Finance plc) Contact point as detailed in 1.11b. We do not lend against buy-to-let property.
The Mortgage Business No, please forward to the borrower
The Mortgage Lender Limited No, however where the mortgage is for Buy to Let purposes you must ensure that any existing or proposed tenancies meet the requirements outlined in our Acceptable Tenancies Document.

We do not consent to letting on residential (owner occupied) mortgages.
The Mortgage Works No,not required for properties let under a standard Assured Shorthold Tenancy within the meaning of section 20 of the Housing Act 1988 as amended by the Housing Act 1996 and subject to a maximum tenancy term of up to 36 months. If the AST is of 13-36 months duration please notify TMW accordingly but there is no requirement to send in the tenancy agreement.
Where the tenancy is not in the standard form(non AST) and let to a Local Authority,Housing Association, Government Department, NHS, Corporate Company or University we will require a copy of the agreement to be sent to us to verify the suitability of the tenant. In such cases you must confirm that the tenancy agreement meets the following requirements:
1)the tenant must be letting the property to a current employee of its organisation (if NHS, Government Department or Corporate Company) or
2)the tenant must use the property to provide accommodation for homeless persons under the Housing Act 1996 or similar legislation (if Local Authority or Housing Association) or
3)the tenant must use the property to provide accommodation to students (if a University)
4)the tenant must not use the property for business or create any business tenancy.
5)there must be no security of tenure afforded to the occupier or tenant.
6)the agreement recognises the existence of a mortgage and the potential for the mortgagee`s right to repossess.
7)the tenancy is no more than 3 years in duration.
8)the agreement must contain no other provisions which adversely affect the lender`s security or its right to enforce its remedies under the mortgage deed executed by the borrower.
Tenancy agreements or tenants that do not meet the above requirements are not acceptable and TMW must be informed immediately.



The Royal Bank of Scotland plc No.
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 No.
Together Personal Finance Limited Yes, certified copy will suffice.
Topaz Finance Ltd Yes.
TSB Bank plc No
Ulster Bank Ltd No.
Vida Homeloans No
Virgin Money No.
Whistletree (a trading name of TSB Bank plc) Yes, Counterpart after completion with the Title Deeds
Yorkshire Bank Home Loans Ltd Yes
Yorkshire Building Society No.
Zephyr Mortgages No