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Question: 6.8.1. If different from 1.11, contact point if no agreement and bond for an unadopted road or sewer:

Lender Answer
Accord Buy to Let We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances. You, however, should ensure all applicants are aware of their potential liability.
Accord Mortgages Ltd We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances.However, you should ensure all applicants are aware of their potential liability.
Adam & Company See 1.11, lack of agreement / bond may be acceptable with our prior written consent.

Adam & Company International See 1.11, lack of agreement / bond may be acceptable with our prior written consent.

Ahli United Bank (UK) plc Central Administration Unit
Aldermore Bank PLC For new properties, we will not impose a retention where a bond / agreement will not be in place on completion. If the customer accepts the situation we will proceed.

However, if there are no plans to obtain a bond / agreement in the future, please advise as we will need to refer this to our valuer.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc As per 1.11
Aviva Equity Release UK Ltd See 1.11
Bank of Ireland (UK) plc Case Manager (see front page of the Offer for contact details).
Bank of Ireland as Bank of Ireland Mortgages Case Manager (see front page of the Offer for contact details).
Bank of Scotland Beginning A Bank of Scotland Plc, Mortgage Operations, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ. Tel: 0345 603 1136 Fax: 0131 339 2366
Bank of Scotland Beginning O Address and telephone number on the Mortgage Offer.
Barclays Bank UK PLC Issuing Office
Barnsley Building Soc, a trading name Yorkshire Building Soc We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of their potential liability.
Birmingham Midshires On new build properties if the bond/agreement is not granted prior to completion we will not insist upon a retention. If the customer(s) are happy with the lack of a bond/agreement we will proceed. If it is proposed that these will never be granted we will need to refer this to the appointed valuer.
Bluestone Mortgages As per 1.11.
Bradford & Bingley Plc As 1.11a
Britannia, a trading name of The Co-operative Bank plc Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX 16351 Leek. Telephone and Fax numbers as shown on the letter enclosing the Offer of Advance
Buckinghamshire Building Society Buckinghamshire Building Society, High Street,
Chalfont St Giles, Bucks,
HP8 4QB
e-mail mortgages@bucksbs.co.uk
Tel: 01494 879500
Fax: 01494 877259
Capital Home Loans Customer Services, Capital Home Loans Ltd, Admiral House, Harlington Way, Fleet, Hants, GU51 4YA
Chelsea Building Society (a trading name of Yorkshire BS) We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of their potential liability.
Clydesdale Bank plc Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Co-operative Bank plc The Co-operative Bank New Lending, Britannia House, Leek, Staffordshire Moorlands ST13 5RG or The Co-operative Bank New Lending DX16351 LEEK.
Tel No: 08000 288 288
Coutts See 1.11, lack of agreement / bond may be acceptable with our prior written consent.
Coutts Finance Co See 1.11, lack of an agreement/bond may be acceptable with our prior written consent.
Coventry Building Society New Lending Department, Godiva House
Binley Business Park,
Harry Weston Road,
Coventry
CV3 2TB
Cynergy Bank As per 1.11.b
Darlington Building Society Customer Support Department, Principal Office
DB UK Bank Ltd db mortgages
PO Box 890
Newport
NP20 9LZ
Tel: 0845 650 6281
DX Address - not available
Dudley Building Society As 1.11a
Earl Shilton Building Society Refer to Mortgage Dept at Head Office - Earl Shilton 01455 844 422
Ecology Building Society As 1.7
Family Building Soc (a trading name of National Counties BS) Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL
DX 30729 EPSOM
Email: loansunderwriting@familybsoc.co.uk
Fleet Mortgages See 1.11a
Foundation Home Loans New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA
Email: FHL@foundationhomeloans.co.uk
Tel: 0344 770 8033.
Furness Building Society As 1.11a
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Please contact the lender.
Habito as per 1.11
Halifax Conveyancer Support Team. (see offer for address and fax number).
Halifax Loans Ltd Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG
Hampden & Co. plc See 1.11. Lack of agreement / bond may be acceptable with our prior written consent.
Handelsbanken Refer to Branch office instructing you.
Harpenden Building Society As 1.11a
Hinckley and Rugby Building Society Principal Office, Mortgage Department, Advances Section.
Hodge Equity Release As per 1.11a
Hodge Life As per 1.11a
Holmesdale Building Society Lender.
HSBC UK Bank plc  
Intelligent Finance Securities, Intelligent Finance, PO Box 890, Leeds, LS1 9UG


Investec Bank plc Please contact the member of Banking Legal or PBLO notified to you in the Transaction Instructions.
ITL Mortgages New Lending Department, Godiva House
Binley Business Park,
Harry Weston Road,
Coventry
CV3 2TB
JPMorgan Chase Bank, N.A. Refer to office issuing Mortgage Instructions.
Kensington Mortgage Company Ltd Kensington Mortgages, New Business Operations Centre, Ascot House, Maidenhead Office Park, Maidenhead, SL6 3QQ. Tel: 03444 990011 Fax: 03444 990022.
Kent Reliance (a trading name of OneSavings Bank plc)  
Keystone Property Finance As 1.11a
Landbay See 1.11a
Landmark Mortgages Limited Accepted provided that there is a firm intention to adopt and the development is subject to NHBC. In all other cases refer to:
New Mortgage Completions
Landmark Mortgages
PO Box 656
Durham
DH1 9LY

Tel - 0330 159 7152
Leeds Building Society As per 1.11a.
Legal & General Home Finance Ltd Same as 1.11a
LendInvest See 1.11a
Lloyds Bank plc pre fixed 20/40 Mortgage Processing. Please see 1.11.
Lloyds Bank plc pre fixed 50/30/77 You have our authority to negotiate a retention up to £1000. If not appropriate, report to Mortgage Processing. Please see 1.11a.
Lloyds TSB Scotland plc You have our authority to negotiate a retention up to £1000. If not appropriate, report to Mortgage Processing. Please see 1.11a
M&S Bank M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322
Magellan Homeloans Issuing Office
Manchester Building Society Mortgage Processing Department.
Market Harborough Building Society As per 1.7
Masthaven Bank As per 1.11.
Metro Bank plc As per 1.11.
Molo Finance Buy to Let Mortgages As 1.11a.
Monmouthshire Building Society Lending Operations Department
Monmouthshire Building Society
Monmouthshire House
John Frost Square
Newport
NP20 1PX
Only refer those cases where:

i. the developer has refused to covenant to complete/maintain the road/sewer pending adoption; or
ii the sale is a private sale; or
iii the Developer does not have a full quote on the London Stock Exchange or is not a wholly-owned subsidiary of such a company.
Mortgage Agency Services Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage Express As 1.11a
Mortgage Express No 2  
National Counties Building Society Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL
DX 30729 EPSOM
Email: loansunderwriting@ncbs.co.uk
National Westminster Bank plc As 1.11a
Nationwide Building Society Newly built properties – we do not insist on any such agreement and bond being in place nor on you making a retention providing the roads and sewers are to be adopted eventually or managed by local residents or a management company (see 6.8.4 part 1 details) and so we do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of their potential liability.

Second hand properties where the development is not yet completed – see above. If the sewers are currently un-adopted the vendor must confirm the system is currently working and there have been no disputes regarding servicing and maintenance of the system.

Second hand properties – whether managed by either local residents or a management company or not (see 6.8.4 part 1 details): all applicants must be made aware of the practicalities of the situation and of their future liabilities/potential liabilities, we do not need to be advised of the situation. For un-adopted sewers the vendor must confirm the system is currently working and there have been no disputes regarding servicing and maintenance of the system.

Where not managed we can only proceed if:

- Appropriate rights of way exist
- The applicants are aware of their potential liability
- Fully enforceable maintenance rights exist
- There are no current disputes.
Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW. Tel: 0333-300-3100, Fax: 0333-300-3132, email: enquiries@newstreetmortgages.com
NRAM Ltd Accepted provided that there is a firm intention to adopt and the development is subject to NHBC. In all other cases refer to the details as set out in 1.11a
Paragon Buy to Let Mortgages As 1.11a.
Paragon Residential Owner-Occupied Mortgages As 1.11a.
Paratus AMC Ltd New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA /Email: FHL@foundationhomeloans.co.uk/ Tel: 0344 770 8033.
Parity Trust As 1.7
Pepper Money Pepper Money Completions Department Tel No. 0333 370 1101 or email
lendingenquiries@pepper.money
Pepper Money (PUK) Pepper Money Completions Department Tel No. 0333 370 1101 or email
lendingenquiries@pepper.money
Platform (a trading name of The Co-operative Bank p.l.c.) Refer to office issuing Mortgage Instructions.
Precise Mortgages (Charter Court Financial Services Ltd) Completions Team at the address stated on the mortgage offer/instructions.
Principality Building Society Mortgage New Business
PO Box 89
Queen Street
CARDIFF
CF10 1UA
0330 333 4021
Rooftop Mortgages Ltd The address and contact details shown on the mortgage offer.
Saffron Building Society As 1.11
Sainsbury's Bank Contact point as detailed in 1.11a.
Santander UK plc Only refer to the Mortgage Operations office instructing you in circumstances where:
(i)the Developer has refused to covenant to complete/maintain the road /sewer pending adoption;or
(ii)the sale is a private sale; or
(iii) the loan-to-value is greater than 85% and the Developer does not have a full quote on the London Stock Exchange or is not a wholly-owned subsidiary of such a company.
Scottish Building Society  
Scottish Widows Bank You have our authority to negotiate a retention up to £1,000. If not appropriate, report to New Business Processing (see 1.11a).
Secure Trust Bank PLC For new properties, we will not impose a retention where a bond / agreement will not be in place on completion. If the customer accepts the situation we will proceed.

However, if there are no plans to obtain a bond / agreement in the future, please advise as we will need to refer this to our valuer.

As 1.11
Skipton Building Society Completions Team

We require:
- appropriate arrangements for the maintenance and upkeep of the right of way
- maintenance obligations do not impose any onerous liability on the borrower
- no liability on the borrower to pay for making up or adoption of the roadway
St James Place Bank Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS
State Bank of India UK As 1.11a.
Swansea Building Society 11/12 Cradock Street
Swansea
SA1 3EW
01792 739100
Tesco Bank (a trading name of Tesco Personal Finance plc) Contact point as detailed in 1.11b.
The Mortgage Business The Mortgage Business, PO Box 548, Leeds LS1 1WU. Fax no. 0845 6039009
The Mortgage Lender Limited completions@themortgagelender.com

Tel: 0344 257 0426
The Mortgage Works Newly built properties: we do not insist on any such agreement and bond being in place or you making a retention, providing the roads and sewers are to be adopted eventually or managed by residents or a management company (see 6.8.4 part 1) and so we do not need to be made aware of such circumstances. However, you should ensure all borrowers are aware of their potential liability.
Second hand properties where the development is not yet completed - see above. If the sewers are currently un-adopted the vendor must confirm the system is currently working and there have been no disputes regarding servicing and maintenance of the system.
Second hand properties: whether managed by residents or a management company or not (see 6.8.4 part 1), all borrowers must be made aware of the practicalities of the situation and of their future or potential liability, we do not need to be advised of the situation. For un-adopted sewers the vendor must confirm the system is currently working and there have been no disputes regarding servicing and maintenance of the system.
Where not managed we can only proceed if:
Appropriate rights of way exist
The applicants are aware of their potential liability
Fully enforceable maintenance rights exist
There are no current disputes

The Royal Bank of Scotland plc As detailed above in 1.11a.
The Royal Bank of Scotland plc Direct Line Mortgages As detailed above in 1.11a.
The Royal Bank of Scotland plc Direct Line One As detailed above in 1.11a.
The Royal Bank of Scotland plc First Active As detailed above in 1.11a.
The Royal Bank of Scotland plc Natwest one Account As detailed above in 1.11a.
The Royal Bank of Scotland plc One Account As detailed above in 1.11a.
The Royal Bank of Scotland plc Virgin One As detailed above in 1.11a.
The Tipton & Coseley Building Society Mortgage Department.
Together Personal Finance Limited N/A - Solicitors to arrange suitable indemnity insurance cover for the benefit of the Lender instead.
Topaz Finance Ltd Topaz Finance Limited
Gateway House, Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
0345 389 1672
TSB Bank plc You have our authority to negotiate a retention up to £1000. If not appropriate, report to Mortgage Processing. Please see 1.11a
Ulster Bank Ltd As detailed above in 1.11a.
Vida Homeloans As 1.11a
Virgin Money If there is a firm intention to adopt and the development is subject to NHBC, we're happy to lend and there is no need for you to let us know.

Otherwise send details to:

Mortgage Processing
Operations
Virgin Money
Jubilee House
Gosforth
Newcastle upon Tyne
NE3 4PL

or DX 60350 Gosforth

Solicitors Helpline: 0845 604 4858
Whistletree (a trading name of TSB Bank plc) You have our authority to negotiate a retention up to £1000. If not appropriate, report to Mortgage Processing. Please see 1.11a
Yorkshire Bank Home Loans Ltd Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Yorkshire Building Society We do not insist on any such agreement and bond being in place nor on you making a retention and so we do not need to be made aware of such circumstances. However, you should ensure all applicants are aware of their potential liability.
Zephyr Mortgages As per 1.11