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.

Back to previous page

Question: 6.7.6. Does the lender need to be sent the professional consultant's certificate?

Lender Answer
Accord Buy to Let No, but you must retain a copy on your file.
Accord Mortgages Ltd No, but you must retain a copy on your file.
Adam & Company Yes, after completion.

Adam & Company International Yes, after completion.

Ahli United Bank (UK) plc Yes
Aldermore Bank PLC Yes, after completion.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Original not required, but solicitor to confirm receipt.
Atom Bank plc Yes.
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 No
Bank of Scotland Beginning O No
Barclays Bank UK PLC No
Barnsley Building Soc, a trading name Yorkshire Building Soc No, but you must retain a copy on your file.
Birmingham Midshires No. Please forward to the borrower.
Bluestone Mortgages No, but please keep a copy with your file.
Bradford & Bingley Plc No please pass the documentation to the borrower for safe keeping.
Britannia, a trading name of The Co-operative Bank plc No
Buckinghamshire Building Society Yes
Capital Home Loans Yes, a copy before completion. The original document should 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, but you must retain a copy on your file.
Clydesdale Bank plc Yes.
Co-operative Bank plc Yes.
Coutts Yes, after completion.
Coutts Finance Co Yes, after completion.
Coventry Building Society No
Cynergy Bank Yes.
Darlington Building Society Yes, prior to exchange of contracts; any variation from this refer to a Team Leader in the Customer Support Department, Principal Office
DB UK Bank Ltd Please place this certificate with the Title Information Documents
Dudley Building Society Yes
Earl Shilton Building Society Yes. Interim certificates on stage releases and final certificate on completion of project.
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) Yes.
Fleet Mortgages Yes.
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 No
Halifax Loans Ltd No
Hampden & Co. plc Please retain with the title deeds.
Handelsbanken Yes, following completion.
Harpenden Building Society Certified Copy
Hinckley and Rugby Building Society Yes.
Hodge Equity Release No, please pass to the borrowers for safe keeping and retain a copy for your file
Hodge Life No, please pass to the borrowers for safe keeping and retain a copy for your file
Holmesdale Building Society Yes.
HSBC UK Bank plc We do not accept professional consultant certificates
Intelligent Finance No
Investec Bank plc No but 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, if accepted, placed with the deeds.
Kensington Mortgage Company Ltd Yes, providing the consultants PI insurance is verified. 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 should retain on your file.
Keystone Property Finance Yes - this should be sent to the contact details in 1.11a
Landbay Yes. This needs to be sent to us after completion with the title deeds.
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, if we have confirmed we are happy to proceed on this basis.
LendInvest Not applicable
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 We do not accept professional consultant certificates
Magellan Homeloans No. This is 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 this document.
Manchester Building Society No.
Market Harborough Building Society Yes
Masthaven Bank No, but please keep a copy with your file.
Metro Bank plc Not accepted by Metro Bank. The property must benefit from one of the new home warranty schemes outlined in 6.7.1.
Molo Finance Buy to Let Mortgages No, but must keep copy on your file.
Monmouthshire Building Society No, please pass to the borrowers for safe keeping and retain a copy for your file
Mortgage Agency Services Yes
Mortgage Express No please pass the documentation to the borrower for safe keeping.
Mortgage Express No 2  
National Counties Building Society Yes.
National Westminster Bank plc No.
Nationwide Building Society Yes to Issuing Office
Nedbank Private Wealth Ltd Yes.
New Street Mortgages Yes, a copy should be sent to New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW and the original forwarded to the borrower
NRAM Ltd Yes, after completion with the Title deeds.
Paragon Buy to Let Mortgages Yes
Paragon Residential Owner-Occupied Mortgages Yes.
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, Completions Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ
Pepper Money (PUK) Yes, please send to Pepper Money, Completions Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ
Platform (a trading name of The Co-operative Bank p.l.c.) Yes, if accepted, placed with the deeds.
Precise Mortgages (Charter Court Financial Services Ltd) No. This is 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 this document.
Principality Building Society No, please pass to the borrowers for safe keeping and retain a copy for your file
Rooftop Mortgages Ltd Yes. Please place with the title deeds.
Saffron Building Society Yes - certified copy, borrower to retain original
Sainsbury's Bank No, these should be retained by the borrower. Please also keep a copy on your file.
Santander UK plc No, unless your individual instructions on a particular case require this.
Scottish Building Society Yes
Scottish Widows Bank No.
Secure Trust Bank PLC Yes, after completion.
Skipton Building Society Pre-completion, you must provide a copy of the certificate to the Completions Team before or with the Certificate of Title . Post-completion, see 14.2.2.
St James Place Bank No.
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. but please retain a copy with your file
The Mortgage Business No
The Mortgage Lender Limited Yes
The Mortgage Works Yes
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 Yes.
Together Personal Finance Limited Yes.
Topaz Finance Ltd If this applies, no but please keep a copy on your file.
TSB Bank plc No
Ulster Bank Ltd Yes, after completion.
Vida Homeloans All relevant Certificates 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 Yes.
Yorkshire Building Society No, but you must retain a copy on your file.
Zephyr Mortgages If this applies, no but please keep a copy on your file.