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: 8.1. Does the lender allow me to advise any of the specified third parties?

Lender Answer
Accord Buy to Let Yes, provided you are satisfied that:
* there is no conflict of interest in
giving such advice and
* by doing so the document
being signed will not be open
to challenge.
Accord Mortgages Ltd Yes, provided you are satisfied that:
* there is no conflict of interest in giving such advice and
* by doing so the document being signed will not be open to challenge.
Adam & Company Advice may only be given subject to prior written approval from us.

Adam & Company International Advice may only be given subject to prior written approval from us.

Ahli United Bank (UK) plc No
Aldermore Bank PLC No, they must receive independent legal advice. Borrowers that do not personally benefit from the loan must execute the lenders Certificate of Independent Advice form. Please refer to 1.11 where a copy is required.
Allied Irish Bank (GB), a trading name of AIB Group (UK) No. You must strongly advise such third parties to seek independent legal advice. Please note you should not disclose any confidential documents relating to the mortgage to any third party unless both we and the borrower provide our express consent.
Atom Bank plc Yes, provided you are satisfied that there is no conflict of interest and that by doing so the document being signed will not be open to challenge.
Aviva Equity Release UK Ltd No.
Bank of Ireland (UK) plc No to bullet point 1 of clause 8.1 - unless you comply with the relevant special conditions set out in the Offer if the borrower has received a First Start mortgage offer.
No to bullet point 2 of clause 8.1.
Yes to bullet point 3 of clause 8.1.
Bank of Ireland as Bank of Ireland Mortgages No to bullet point 1 clause 8.1 unless you comply with the relevant special conditions set out in the Offer if the borrower has received a First Start mortgage offer.
No to bullet point 2 clause 8.1.
Yes to bullet point 3 clause 8.1.
Bank of Scotland Beginning A No
Bank of Scotland Beginning O No
Barclays Bank UK PLC Yes, in accordance with 8.2 of Part 1.
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge.
Birmingham Midshires Yes, provided that you are satisfied that by doing so neither the transaction nor the documentation will be open to challenge.
Bluestone Mortgages No.
Bradford & Bingley Plc Yes, if you are satisfied that by doing so the document signed will not be open to challenge and you comply with the Law Society's guidance on page 41 of the Gazette dated 30 May 2002
Britannia, a trading name of The Co-operative Bank plc Yes, unless you believe there is a conflict of interest
Buckinghamshire Building Society Yes unless there is any conflict of interest.
Capital Home Loans No
Chelsea Building Society (a trading name of Yorkshire BS) Yes, provided you are satisfied that:
* there is no conflict of interest in giving such advice and
* by doing so the document being signed will not be open to challenge.
Clydesdale Bank plc Yes.
Co-operative Bank plc Yes unless you believe there is a conflict of interest.
Coutts Advice may only be given subject to prior written approval from us.
Coutts Finance Co Advice may only be given subject to prior written approval from us.
Coventry Building Society Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge.
Cynergy Bank No.
Darlington Building Society No
DB UK Bank Ltd No
Dudley Building Society Yes, providing that there is no conflict of interest in doing so.
Earl Shilton Building Society No
Ecology Building Society No
Family Building Soc (a trading name of National Counties BS) No to 8.1 bullet points 1 and 2. Another Partner within the firm may if you are satisfied they can give independent advice and by doing so the document being signed will not be open to challenge.
Yes to 8.1 bullet point 3 (unless the special conditions require independent legal advice to be obtained) and provided you are satisfied that:
- there is no conflict of interest in giving such advice and
- by doing so the document being signed will not be open to challenge.
Fleet Mortgages Yes, subject to the terms of our supplemental instructions.
Foundation Home Loans Yes, provided you are satisfied that there is no conflict of interest and that by doing so the document being signed will not be open to challenge.
Furness Building Society No
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge.
Habito Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge.
Halifax Yes, provided that you are satisfied that by doing so neither the transaction nor the documentation will be open to challenge.
Halifax Loans Ltd Yes, if you are satisfied that by doing so the document being signed will not be open to challenge.
Hampden & Co. plc Advice may only be given subject to prior written approval from us.
Handelsbanken No.
Harpenden Building Society Yes, if no conflict of interest
Hinckley and Rugby Building Society Yes, if the Society has been informed, by the third party to receive the independent legal advice, that he/she wishes the same solicitor acting in the purchase or remortgage to give such advice, and you consider there is no conflict of interest. You will be sent relevant information by Principal Office, Mortgage Department, Advances Section, and a letter must be received from the solicitor giving the advice in the Society's standard format before the advance is released.


Hodge Equity Release No
Hodge Life No
Holmesdale Building Society Yes, if by separate partner and no conflict of interest.
HSBC UK Bank plc Yes, provided that you are satisfied that you do not have any conflict of interest which prevents you advising the third party fully. If this is not the case you must arrange for them to see an independent conveyancer.

Direct charges - We require any borrower who is a legal owner of the property but who will not personally benefit from the loan either at all or equally with the other borrowers to obtain Independent Legal Advice where either the amount or portion of the loan from which they will not benefit exceeds £50,000.

Indirect charges – Where a Mortgagor of the property is not a borrower, we require that person to obtain Independent Legal Advice.

All cases - You must strongly recommend to any person intending to execute a Letter of Consent and Postponement by Deed to the mortgage that they obtain Independent Legal Advice
Intelligent Finance Yes, if you are satisfied that by doing so the document being signed will not be open to challenge.
Investec Bank plc No, they must receive independent legal advice.
ITL Mortgages Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge.
JPMorgan Chase Bank, N.A. No.
Kensington Mortgage Company Ltd No, they must receive independent legal advice.
Kent Reliance (a trading name of OneSavings Bank plc) No, they must receive independent legal advice
Keystone Property Finance Yes, provided you are satisfied that there is no conflict of interest and that by doing so the document being signed will not be open to challenge
Landbay No. They should receive independent advice and complete our Independent Legal Advice form.
Landmark Mortgages Limited New Mortgage Completions
Landmark Mortgages
PO Box 656
Durham
DH1 9LY

Tel - 0330 159 7152
Leeds Building Society No.
Legal & General Home Finance Ltd No.
LendInvest No, they must receive independent legal advice.
It will be a condition of any offer for a UK Limited Company or UK Limited Liability Partnership that the personal guarantors or third party security providers obtain independent legal advice. In certain cases we may accept a waiver letter in respect of the independent legal advice from a borrower who is also providing a personal guarantee.
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 Yes provided that you are satisfied that you do not have any conflict of interest which prevents you advising the third party fully. If this is not the caser you must arrange for them to see an independent conveyance.

We require any borrower who is a legal owner of the property but who will not personally benefit from the loan either at all or equally with the other borrowers to obtain independent legal Advice where either the amount or portion of the loan from which they will not benefit exceeds £50,000

You must strongly recommend to any person intending to execute a letter of Consent and Postponement of Deed to the mortgage that they obtain Independent Legal Advice
Magellan Homeloans You must satisfy yourself that you are not conflicted and that the enforceability of the document being signed is not at risk of being challenged
Manchester Building Society No.
Market Harborough Building Society No
Masthaven Bank No.
Metro Bank plc No, they must receive independent legal advice.
Molo Finance Buy to Let Mortgages Yes, provided you are satisfied that:
- there is no conflict of interest in giving such advice, and
- by doing so the document being signed will not be open to challenge.
Monmouthshire Building Society Yes provided that you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge
Mortgage Agency Services Yes unless you believe there is a conflict of interest
Mortgage Express Yes, if you are satisfied that by doing so the document signed will not be open to challenge and you comply with the Law Society's guidance on page 41 of the Gazette dated 30 May 2002
Mortgage Express No 2  
National Counties Building Society No to 8.1 bullet points one and two. Another Partner withn the firm may if you are satisfied they can give independent advice and by doing so the document being signed will not be open to challenge.
Yes to 8.1 bullet point 3 (unless the special conditions require independent legal advice to be obtained) and provided you are satisfied that:
- there is no conflict of interest in giving such advice and
- by doing so the document being signed will not be open to challenge.
National Westminster Bank plc No.
You must strongly recommend to anyone intending to guarantee the mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions.

You must strongly recommend to anyone intending to occupy the property who is to execute a consent to mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions.
Nationwide Building Society Only those listed in bullet 3 clause 8.1
Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages No, they must receive independent legal advice
NRAM Ltd See 1.11a
Paragon Buy to Let Mortgages See our Supplemental Instructions and Guidance Notes.
Paragon Residential Owner-Occupied Mortgages Yes, as long as you are satisfied that there is no conflict of interest.
Paratus AMC Ltd Yes, provided you are satisfied that there is no conflict of interest and that by doing so the document being signed will not be open to challenge.
Parity Trust No
Pepper Money No, they must receive independent legal advice.
Pepper Money (PUK) No, they must receive independent legal advice.
Platform (a trading name of The Co-operative Bank p.l.c.) Yes unless you believe there is a conflict of interest.
Precise Mortgages (Charter Court Financial Services Ltd) Yes- if you are satisfied that by doing so the document being signed will not be open to challenge and provided there is no conflict of interest.
Principality Building Society No
Rooftop Mortgages Ltd No. It is a matter for your professioanl judgement whether another solicitor in your firm may do so.
Saffron Building Society Yes, in accordance with 8.2 of Part 1 of the Handbook
Sainsbury's Bank Yes provided:

(a) you are satisfied that there is no conflict of interest in giving such advice;
(b) by doing so the document being signed will not be open to challenge;
(c) Our Independent legal advice form is completed
Santander UK plc No.
Scottish Building Society  
Scottish Widows Bank No.
Secure Trust Bank PLC No, they must receive independent legal advice. Borrowers that do not personally benefit from the loan must execute the lenders Certificate of Independent Advice form. Please refer to 1.11 where a copy is required.
Skipton Building Society Yes, providing you are satisfied that you can give independent advice and the third party has agreed to retain you. Otherwise please notify:
(i) Completions Team
(ii) Commercial Servicing Team
and advise which firm has been retained by the third party to give the independent advice.
St James Place Bank Yes, if you are satisifed that by doing so the document being signed will not be open to challenge.
State Bank of India UK No. Another Partner within the firm may if you are satisfied they can give independent advice and by doing so the document will not be open to challenge.

Please note that where the borrower is a Company, the personal guarantees of all the Directors, Shareholders and Members of the Company will be required.

State Bank of India requires the law firm, representing, the Bank, to ensure that any personal information relating to individuals is redacted from certified copies of an instrument or debenture, prior to being registered with the Companies House. This includes:

1 - All personal information relating to an individual (apart from name)

2 - and signature

If you have any questions please contact State Bank of India as per 1.11a
Swansea Building Society Yes - provided there is no conflict of interest
Tesco Bank (a trading name of Tesco Personal Finance plc) No. You must strongly recommend to any occupier of the property who is to execute a consent that they should obtain independent legal advice.
The Mortgage Business No
The Mortgage Lender Limited Yes provided you are satisfied that there is no conflict of interest in giving such advice and by doing so the document being signed will not be open to challenge.
If you wish to offer such advice, you must complete our Independent Legal Advice form, which is available from our Completions Team at the address stated on the mortgage offer instructions.
The Mortgage Works No, however another Partner within the firm may if you are satisfied they can give independent advice and by doing so the document will not be open to challenge
The Royal Bank of Scotland plc No.
You must strongly recommend to anyone intending to guarantee the mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions.
You must strongly recommend to anyone intending to occupy the property who is to execute a consent to mortgage that they should obtain independent legal advice and provide them with a copy of the Standard Mortgage Conditions.
The Royal Bank of Scotland plc Direct Line Mortgages With regard to 8.1 bullet 3 you must strongly recommend to anyone intending to occupy the property who is to execute a consent to the mortgage that they should obtain independent legal advice.
The Royal Bank of Scotland plc Direct Line One No.With regard to 8.1 bullet 3 you must strongly recommend to anyone intending to occupy the property who is to execute a consent to mortgage that they should obtain independent legal advice.
The Royal Bank of Scotland plc First Active No.

With regard to 8.1. bullet three you must strongly recommend to anyone intending to occupy the property who is to execute a consent to mortgage that they should obtain independant legal advice.
The Royal Bank of Scotland plc Natwest one Account No.With regard to 8.1 bullet 3 you must strongly recommend to anyone intending to occupy the property who is to execute a consent to mortgage that they should obtain independent legal advice.
The Royal Bank of Scotland plc One Account No.
You must strongly recommend to anyone intending to guarantee the mortgage that they should obtain independent legal advice and provide them with a copy of the conditions.
You must strongly recommend to anyone intending to occupy the property who is to execute a consent to mortgage that they should obtain independent legal advice and provide them with a copy of the conditions.
The Royal Bank of Scotland plc Virgin One No. With regard to 8.1, bullet three you must strongly recommend to anyone intending to occupy the property who is to execute a consent to mortgage that they should obtain independent legal advice.
The Tipton & Coseley Building Society No.
Together Personal Finance Limited Yes - in relation to the occupiers of the property. Any other contact point as detailed in 1.11a above.
Topaz Finance Ltd Yes if you are satisfied that by so doing the document being signed will not be open to challenge. Guarantors must not be advised by your firm. Please see Special Condition on the Offer of Advance.
TSB Bank plc No
Ulster Bank Ltd No.

With regard to 8.1 bullet three you must strongly recommend to anyone intending to occupy the property who is to execute a consent to mortgage that they should obtain independent legal advice and provide a copy of the Standard Mortgage Conditions.
Vida Homeloans No, they must receive independent legal advice.
Virgin Money Please refer 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)  
Yorkshire Bank Home Loans Ltd Yes.
Yorkshire Building Society Yes, provided you are satisfied that
* there is no conflict of interest in giving such advice and
* by doing so the document being signed will not be open to challenge.
Zephyr Mortgages Yes if you are satisfied that by so doing the document being signed will not be open to challenge. Guarantors must not be advised by your firm. Please see Special Condition on the Offer of Advance.