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Question: 16.4.2. Does the lender need to be sent a copy of the proposed tenancy?

Lender Answer
Accord Buy to Let Not applicable as these instructions relate to a Buy to Let mortgage application.
Accord Mortgages Ltd Yes
Adam & Company Yes
Adam & Company International Yes

Ahli United Bank (UK) plc Central Administration Unit
Aldermore Bank PLC Yes
Allied Irish Bank (GB), a trading name of AIB Group (UK) Yes, except where the mortgage offer makes it clear the loan has been made on a buy to let basis and where the tenancy agreement complies with the requirements set out in the offer conditions.
Atom Bank plc No
Aviva Equity Release UK Ltd See 1.11.
Bank of Ireland (UK) plc Yes, except in Buy to Let cases where the tenancy agreement complies with the requirements set out in the relevant offer condition.
Bank of Ireland as Bank of Ireland Mortgages Yes, except in Buy to Let cases where the tenancy agreement complies with the requirements set out in the relevant offer condition.
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 Yes.
Birmingham Midshires Please check the terms of the mortgage offer to determine whether or not lettings are allowed. If the mortgage is a buy to let product, any letting must comply with the mortgage conditions. We do not need to see a copy of any proposed lease.
Bluestone Mortgages Yes.
Bradford & Bingley Plc No provided that it is a valid Assured Shorthold Tenancy.
Britannia, a trading name of The Co-operative Bank plc Please see the requirements within our letting pack (application).
Buckinghamshire Building Society Not unless specifically requested
Capital Home Loans Yes, if it is anything other than an Assured Shorthold Tenancy over no more than 12 months.
Chelsea Building Society (a trading name of Yorkshire BS) Yes.
Clydesdale Bank plc Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Co-operative Bank plc No
Coutts Yes
Coutts Finance Co Yes
Coventry Building Society Yes
Cynergy Bank Yes.
Darlington Building Society Yes
DB UK Bank Ltd Yes
Dudley Building Society Yes
Earl Shilton Building Society Yes
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) Yes.
Fleet Mortgages Not applicable.
Foundation Home Loans Customer Services Department, Foundation Home Loans Limited, 5 Arlington Square, Downshire Way, Bracknell, Berkshire RG12 1WA or DX 122530 Bracknell (2). Email:customerservicesreferrals@foundationhomeloans.co.uk
Tel: 0344 770 8030
Furness Building Society No.
GE Money Home Lending Ltd Yes. Where the property is let or is currently let, your conveyancer must confirm prior to completion that the proposed tenancy agreement is a common format Assured shorthold Tenancy agreement and there are no onerous clauses on GE Money Home Lending Limited within said agreement
Godiva Mortgages Ltd Yes
Habito No
Halifax No
Halifax Loans Ltd Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG
Hampden & Co. plc Yes.
Handelsbanken Please check the terms of the mortgage offer to determine whether or not lettings are allowed. If the mortgage is a buy to let product, any letting must be on a valid Assured Shorthold Tenancy. We do not need to see a copy of any proposed lease if it is a valid Assured Shorthold Tenancy.
Harpenden Building Society Yes
Hinckley and Rugby Building Society Yes.
Hodge Equity Release Yes
Hodge Life Yes
Holmesdale Building Society Yes.
HSBC UK Bank plc HSBC - No
first direct - we do not lend on tenanted properties. If a tencany is present please refer to Mortgage Services
Intelligent Finance No
Investec Bank plc No
ITL Mortgages Yes
JPMorgan Chase Bank, N.A. Yes.
Kensington Mortgage Company Ltd You need to confirm to us in writing before Completion that the tenancy is in an acceptable form. The completed tenancy must be placed with the title deeds.
Kent Reliance (a trading name of OneSavings Bank plc) No
Keystone Property Finance No, you must ensure the tenancy agreement complies with all relevant legislation and retain a copy on your file
Landbay Yes. see 1.11a
Landmark Mortgages Limited Yes
Leeds Building Society No.
Legal & General Home Finance Ltd Yes.
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 lend on properties subject to a tenancy
Magellan Homeloans Magellan Homeloans does not currently lend on investment properties
Manchester Building Society No.
Market Harborough Building Society Yes
Masthaven Bank Yes.
Metro Bank plc No, but we reserve the right to request this.
Molo Finance Buy to Let Mortgages Not applicable as these instructions relate to a Buy to Let mortgage application.
Monmouthshire Building Society Yes.
Mortgage Agency Services Yes
Mortgage Express No, provided that it is a valid Assured Shorthold Tenancy
Mortgage Express No 2  
National Counties Building Society Yes.
National Westminster Bank plc Yes, unless the tenancy is an Assured Shorthold Tenancy.
Nationwide Building Society No
Nedbank Private Wealth Ltd A copy of the proposed tenancy should be sent to us. You must confirm that it is acceptable to the bank (or not).
New Street Mortgages No, however you should ensure that the AST is for no longer than 12 months with a 6 month break clause for any over 6 months in duration
NRAM Ltd Yes
Paragon Buy to Let Mortgages N/A.
Paragon Residential Owner-Occupied Mortgages Yes, please send to contact point specified in 16.3.2. The Borrower must not let the Property without our prior consent in writing.
Paratus AMC Ltd No, you must ensure the tenancy agreement complies with all relevant legislation and retain a copy on your file.
Parity Trust Yes
Pepper Money  
Pepper Money (PUK)  
Platform (a trading name of The Co-operative Bank p.l.c.) Yes.
Precise Mortgages (Charter Court Financial Services Ltd) No.

Please check the terms of the mortgage offer to determine whether or not lettings are allowed. If Buy to Let product, the tenancy must comply with our requirements.
Principality Building Society Yes
Rooftop Mortgages Ltd If the mortgage offer was issued on a Buy to Let basis and the letting is on an Assured Shorthold Tenancy we do not need to be sent a copy of the tenancy. Otherwise please refer to:
Rooftop Mortgages Ltd
25 Bank Street
Canary Wharf
London
E14 5JP
Saffron Building Society Refer to mortgage offer
Sainsbury's Bank No, however we will only accept Assured Shorthold Tenancy Agreements and you should confirm in your covering letter that the tenancy will meet this requirement.
Santander UK plc No.
Scottish Building Society Yes
Scottish Widows Bank Yes.
Secure Trust Bank PLC Yes.
Skipton Building Society No, but we reserve the right to request this. The Borrower must complete a Lettings Declaration.
St James Place Bank No.
State Bank of India UK No.
Swansea Building Society 11/12 Cradock Street
Swansea
SA1 3EW
01792 739100
Tesco Bank (a trading name of Tesco Personal Finance plc) Yes; however we will only accept Assured Shorthold Tenancy Agreements and you should confirm in your covering letter that the tenancy will meet this requirement.
The Mortgage Business No, provided it is an Assured Shorthold Tenancy (or equivalent)
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 Generally no as TMW mortgages are granted on a buy to let basis and must meet the following criteria: is an assured shorthold tenancy within the meaning of section 20 of the Housing Act 1988 as amended by the Housing Act 1996 or an alternative form of tenancy whereby vacant possession can be obtained as of right at the end of the term created by the tenancy, and complies with the terms of the Offer Conditions except that the maximum term of the tenancy must be no more than 12 months. The tenancy agreement should also give notice to the tenant that possession may be obtained under Ground 2 of Schedule 2 of the Housing Act 1988
The Royal Bank of Scotland plc Yes, unless the tenancy is an Assured Shorthold Tenancy.
The Royal Bank of Scotland plc Direct Line Mortgages yes, unless the tenancy is an Assured Shorthold Tenancy.
The Royal Bank of Scotland plc Direct Line One Yes, unless the tenancy is an Assured Shorthold Tenancy.
The Royal Bank of Scotland plc First Active Yes, unless the tenancy is an Assured Shorthold Tenancy.
The Royal Bank of Scotland plc Natwest one Account Yes, unless the tenancy is an Assured Shorthold Tenancy.
The Royal Bank of Scotland plc One Account Yes, unless the tenancy is an Assured Shorthold Tenancy.
The Royal Bank of Scotland plc Virgin One Yes, unless the tenancy is an Assured Shorthold Tenancy.
The Tipton & Coseley Building Society Yes.
Together Personal Finance Limited Yes.
Topaz Finance Ltd Yes.
TSB Bank plc No
Ulster Bank Ltd Yes, unless the tenancy is an Assured Shorthold Tenancy.
Vida Homeloans No
Virgin Money Yes.
Whistletree (a trading name of TSB Bank plc) Yes
Yorkshire Bank Home Loans Ltd Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Tel - 0800 121 4203
Yorkshire Building Society Yes.
Zephyr Mortgages Not unless we specifically ask for it