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: 10.2. What is the minimum number of days notice lenders require?

Lender Answer
Accord Buy to Let We must receive your Certificate of Title and Request for Advance (the "Certificate") at least six working days before completion. The advance monies will be sent to your client account (you must provide details in the Certificate) on the last working day prior to the completion date. Occasional delays in transmitting advance monies can occur as a result of a breakdown in the external CHAPS system. No responsibility can be accepted for losses arising from any such delays.
Accord Mortgages Ltd No final inspection - we must receive your Certificate of Title and Request for Advance (the "Certificate") at least six working days before completion.

Final inspection required - an extra five working days should be allowed.

The advance monies will be sent to your client account (you must provide details in the Certificate) on the last working day prior to the completion date. Occasional delays in transmitting advance monies can occur as a result of a breakdown in the external CHAPS system. No responsibility can be accepted for losses arising from any such delays.
Adam & Company 7 working days

Adam & Company International 7 working days

Ahli United Bank (UK) plc Five business days
Aldermore Bank PLC 3 working days.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Three days
Atom Bank plc 5 working days. We are unable to shorten this process so please ensure you submit your CoT within the stipulated time period.
We do not accept handwritten CoTs.
Aviva Equity Release UK Ltd 4 working days.
Bank of Ireland (UK) plc 3 working days - plus an additional 5 working days if a final inspection of the property is required.
Bank of Ireland as Bank of Ireland Mortgages 3 working days - plus an additional 5 working days if a final inspection of the property is required.
Bank of Scotland Beginning A Our expected requirement is 3 full working days. It is your responsibility to ensure all details on the Certificate of Title are correct (including those relating to your firm) and are accurate before requesting the funds.

If you have an urgent completion and cannot give 3 full working days’ notice, we will endeavour to meet your requirements and will send funds by CHAPS as soon as we have verified the Certificate of Title. A CHAPS fee of £20 will be payable and deducted from the mortgage advance.
Bank of Scotland Beginning O Our expected requirement is 3 full working days. It is your responsibility to ensure all details on the Certificate of Title are correct (including those relating to your firm) and are accurate before requesting the funds.

If you have an urgent completion and cannot give 3 full working days’ notice, we will endeavour to meet your requirements and will send funds by CHAPS as soon as we have verified the Certificate of Title. A CHAPS fee of £20 will be payable and deducted from the mortgage advance.
Barclays Bank UK PLC 5 working days
Barnsley Building Soc, a trading name Yorkshire Building Soc Electronically.
No final inspection - we must receive your Certifcate of Title and Request for Advance (the “Certificate”) at least six working days before completion. Final inspection required - an extra five working days should be allowed. The advance monies will be sent to your client account (you must provide details in the Certificate) on the last working day prior to the completion date. Occasional delays in transmitting advance monies can occur as a result of a breakdown in the external CHAPS system. No responsibility can be accepted for losses arising from any such delays.
Birmingham Midshires Our expected requirement is 3 full working days. It is your responsibility to ensure all details on the Certificate of Title are correct (including those relating to your firm) and are accurate before requesting the funds.

If you have an urgent completion and cannot give 3 full working days’ notice, we will endeavour to meet your requirements and will send funds by CHAPS as soon as we have verified the Certificate of Title.

Bluestone Mortgages Five business days.
Bradford & Bingley Plc 5 working days
Britannia, a trading name of The Co-operative Bank plc 5 working days
Buckinghamshire Building Society 5 working days although requests below this will be accomodated wherever possible.
Capital Home Loans 5 Working days
Chelsea Building Society (a trading name of Yorkshire BS) No final inspection - we must receive your Certificate of Title and Request for Advance (the "Certificate") at least six working days before completion.
Final inspection required - an extra five working days should be allowed.

The advance monies will be sent to your client account (you must provide details in the Certificate) on the last working day prior to the completion date. Occasional delays in transmitting advance monies can occur as a result of a breakdown in the external CHAPS system. No responsibility can be accepted for losses arising from any such delays.
Clydesdale Bank plc 5 days.
Co-operative Bank plc Five working days
Coutts 7 working days
Coutts Finance Co 7 working days.
Coventry Building Society At least 4 working days
Cynergy Bank 4 working days.
Darlington Building Society 5 days notice - however subject to all special conditions being satisfied we can complete with a minimum of 48 hours notice.
DB UK Bank Ltd 5 working days
Dudley Building Society Electronically - 3 clear working days
Earl Shilton Building Society 5 days
Ecology Building Society 5 days
Family Building Soc (a trading name of National Counties BS) 5 working days.
Fleet Mortgages 5 working days.
Foundation Home Loans 5 working days
Furness Building Society Three clear working days. If a re-inspection is required, 5 working days.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd At least 4 working days
Habito Two working days. You must specify the date by which you would like to receive the mortgage advance and also the actual completion date on the Certificate of Title.
Halifax Our expected requirement is 3 full working days. It is your responsibility to ensure all details on the Certificate of Title are correct (including those relating to your firm) and are accurate before requesting the funds.

If you have an urgent completion and cannot give 3 full working days’ notice, we will endeavour to meet your requirements and will send funds by CHAPS as soon as we have verified the Certificate of Title.
Halifax Loans Ltd 3 working days electronically.

By cheque only in very urgent cases where it is 24 hours) N.B payment by cheque is only available in exceptional circumstances where the BACS cut-off time has passed. It should not be regarded as an alternative procedure. Our requirement is that 3 working days notice should be given.
Hampden & Co. plc 7 working days.
Handelsbanken 5 working days.
Harpenden Building Society Electronically - 24 hours for CHAPs (£15 fee for CHAPs, 3 full working days by BACs.
Refer if final inspection required.
Hinckley and Rugby Building Society Three working days.
Hodge Equity Release 5 working days - The advance monies will be sent to your client account (you must provide details in the Certificate of Title) on the last working day prior to the completion date. Occasional delays in transmitting advance monies can occur as a result of a breakdown in the external CHAPS system. No responsibility can be accepted for losses arising from such delays.
Hodge Life 5 working days - The advance monies will be sent to your client account (you must provide details in the Certificate of Title) on the last working day prior to the completion date. Occasional delays in transmitting advance monies can occur as a result of a breakdown in the external CHAPS system. No responsibility can be accepted for losses arising from such delays.
Holmesdale Building Society Ideally 7 days.
HSBC UK Bank plc Six (6) working days.

You must specify the date by which you would like to receive the mortgage advance, which should be no more than one (1) working day prior to completion and also the actual completion date on the Certificate of Title.

We do not accept hand written Certificates of Title, with the exception of the Signature Box you must ensure all other information is typed.

Please use one of the following 3 options when submitting the Certificate of Title:
• fax to 0370 2438800
• send by DX Service to HSBC Bank plc, DX 745641, Coventry 32
• post First Class to HSBC Bank plc, PO Box 6308, Coventry, CV3 9LB
Intelligent Finance 7 days
Investec Bank plc 5 business days from receipt of the completion report and satisfaction of other conditions precedent in the offer letter.
ITL Mortgages 4 days
JPMorgan Chase Bank, N.A. 5 working days.
Kensington Mortgage Company Ltd A minimum of 5 Business Days' notice is required from receipt of the Certificate of Title to Completion or 8 Business Days if a re-inspection is required.
Kent Reliance (a trading name of OneSavings Bank plc) 5 working days
Keystone Property Finance 5 working days
Landbay 5
Landmark Mortgages Limited 4 clear working days notice.
Leeds Building Society Five (5) working days.
Legal & General Home Finance Ltd 5 working days.
LendInvest 5 working days.
Lloyds Bank plc pre fixed 20/40 Our expected requirement is 3 full working days. It is your responsibility to ensure all details on the Certificate of Title are correct (including those relating to your firm) and are accurate before requesting the funds.

If you have an urgent completion and cannot give 3 full working days’ notice, we will endeavour to meet your requirements and will send funds by CHAPS as soon as we have verified the Certificate of Title. A CHAPS fee of £20 will be payable and deducted from the mortgage advance.
Lloyds Bank plc pre fixed 50/30/77 5 days notice.
Lloyds TSB Scotland plc 5 days notice.
M&S Bank Six working days. You must specify the date by which you would like to receive the mortgage advance, which should be no more than one working day prior to completion, and also the actual completion date on the Certificate of Title
Magellan Homeloans A minimum of 6 of 6 business days from us receiving the original COT
Manchester Building Society At least '3' working days prior to completion.
Market Harborough Building Society 5 working days
Masthaven Bank Five business days.
Metro Bank plc 5 working days.
Molo Finance Buy to Let Mortgages Seven working days, 10 working days where a reinspection or revaluation report is required.
Monmouthshire Building Society 5 working days
Mortgage Agency Services 10 days
Mortgage Express 5 working days
Mortgage Express No 2  
National Counties Building Society 5 working days.
National Westminster Bank plc 7 working days.
Nationwide Building Society 5 working days
Nedbank Private Wealth Ltd Our instructions letter gives you the number of days notice required.
New Street Mortgages 5 Working days
NRAM Ltd 4 clear working days notice.
Paragon Buy to Let Mortgages Seven working days, 10 working days where a reinspection or revaluation report is required.
Paragon Residential Owner-Occupied Mortgages Seven working days, ten working days where a reinspection or revaluation report is required.
Paratus AMC Ltd 5 working days
Parity Trust 5 Days
Pepper Money At least 5 working days prior to completion.
Pepper Money (PUK) At least 5 working days prior to completion.
Platform (a trading name of The Co-operative Bank p.l.c.) 5 Working days.
Precise Mortgages (Charter Court Financial Services Ltd) We cannot complete under any circumstances without 3 calendar days' notice and the borrower(s) is expected to be available in the UK on the day of Completion so we can contact them; if they are not we may delay the release of funds.
Principality Building Society 5 working days - The advance monies will be sent to your client account (you must provide details in the Certificate of Title) on the last working day prior to the completion date. Occasional delays in transmitting advance monies can occur as a result of a breakdown in the external CHAPS system. No responsibility can be accepted for losses arising from such delays.
Rooftop Mortgages Ltd 7 days.
Saffron Building Society 5 working days.
Sainsbury's Bank 5 working days.
Santander UK plc Five days.
Scottish Building Society 1 day
Scottish Widows Bank 7 days.
Secure Trust Bank PLC 5 working days.
Skipton Building Society Seven days. We will, without obligation or liability, seek to release funds with less notice provided there are no outstanding issues. Please do not request funds on less than 48 hours notice.
St James Place Bank 7 days.
State Bank of India UK 10 working days.
Swansea Building Society 7 Days
Tesco Bank (a trading name of Tesco Personal Finance plc) 5 working days.
The Mortgage Business 3 full working days. If you have an urgent completion and cannot give 3 full working days notice we will endeavour to release funds by an alternative method and a charge of £30 will be deducted from the mortgage advance.
The Mortgage Lender Limited 5 working days.
The Mortgage Works 5 working days or 10 working days if a re-inspection is required
The Royal Bank of Scotland plc 7 working days.
The Royal Bank of Scotland plc Direct Line Mortgages 7 working days.
The Royal Bank of Scotland plc Direct Line One 7 working days.
The Royal Bank of Scotland plc First Active 7 working days.
The Royal Bank of Scotland plc Natwest one Account 7 working days.
The Royal Bank of Scotland plc One Account 7 working days.
The Royal Bank of Scotland plc Virgin One 7 working days.
The Tipton & Coseley Building Society 5 working days.
Together Personal Finance Limited Three working days from receipt by the Lender of a satisfactory Certificate/Report on Title.
Topaz Finance Ltd 5 working days.
TSB Bank plc 5 working days' notice. Funds will be released on the day of completion stated on Certificate of Title. However, if funds are required the working day before completion, please attach a covering letter to the COT. When requesting funds for the working day before completion, please be aware that interest is charged from the day funds are released. Where completion is set for the first working day of the month and funds are to be released the working day before, the customers first payment will be collected that month i.e. requests for funds on the 30 November for completion on 1 December, the customers first payment will be taken in December. When requesting funds for the working day before completion please ensure all customers are aware and are in agreement as interest will accrue from the day funds are released and this will affect their first monthly payment date and amount.
Ulster Bank Ltd 7 working days.
Vida Homeloans A minimum of 5 Business Days' notice is required from receipt of the Certificate of Title to Completion or 8 Business Days if a re-inspection is required.
A £35.00 CHAPS fee may be levied.
Virgin Money No later than 5pm on the working day before completion.
Whistletree (a trading name of TSB Bank plc) 4 clear working days notice
Yorkshire Bank Home Loans Ltd 5 days.
Yorkshire Building Society No final inspection - we must receive your Certificate of Title and Request for Advance (the "Certificate") at least six working days before completion.
Final inspection required - an extra five working days should be allowed.
The advance monies will be sent to your client account (you must provide details in the Certificate) on the last working day prior to the completion date. Occasional delays in transmitting advance monies can occur as a result of a breakdown in the external CHAPS system. No responsibility can be accepted for losses arising from any such delays.
Zephyr Mortgages 5 working days.