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: 6.4.4. Does the lender require me to report incentives?

Lender Answer
Accord Buy to Let Yes. If the purchase price does not reflect the cashback, incentives or discount then we may have to reconsider the basis of our lending.
Accord Mortgages Ltd Yes, if the purchase price does not reflect the cashback, incentives or discount then we may have to reconsider the basis of our lending.
A completed copy of the UK Finance Disclosure of Incentives Form, also called the Disclosure Form (version1), (the Form) should be obtained in the circumstances where the property is to be occupied for the first time or for the first time in its current form, for example, because of a renovation or conversion. You
should send the Form as soon as possible to Lending Shared Services, Accord Mortgages, Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ DX 11798 Bradford, even if it does not disclose any incentives. You must not submit your Certificate of Title unless you have previously sent us the Form.
Adam & Company Yes
Adam & Company International Yes

Ahli United Bank (UK) plc Yes
Aldermore Bank PLC Yes, full information regarding incentives, allowances or discounts must be disclosed on the CML Disclosure of Incentives Form.

Please submit the form at the earliest opportunity, otherwise completion could be delayed.

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale. Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Yes, refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc No, unless the value of cash incentives stated exceed:-
• those stated by the valuer in the valuation report (which you are provided a copy of)
• those confirmed within the offer
• 5% of the purchase

The following incentives do not need to be disclosed to us:-
• white goods (where not included as standard specification);
• carpets and curtains;
• kitchen upgrades (including tiling and worktops);
• bathroom upgrades;
• electric upgrades – i.e. additional sockets, TV points, etc.; and
• turf and landscaping.

You must also complete a CML Disclosure of Incentives Form. On sending the Certificate of Title you are confirming you are in receipt of this form
Aviva Equity Release UK Ltd Yes
Bank of Ireland (UK) plc You must send us the CML Disclosure of Incentives Form. You must also advise us if other incentives are agreed subsequently.
Bank of Ireland as Bank of Ireland Mortgages You must send us the CML Disclosure of Incentives Form. You must also advise us if other incentives are agreed subsequently.
Bank of Scotland Beginning A You should report details of all cash/financial incentives to Bank of Scotland Plc, Mortgage Operations, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ. Tel: 0345 603 1136 Fax: 0131 339 2366 in the following circumstances:-

Where the value of cash incentives is 10% or more greater than the value set out in the Further Conditions section of the Mortgage Offer; or
Where no details are set out in the Mortgage Offer, whenever any cash/financial incentives are being paid by the seller.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the CML Disclosure of Incentives Form unless we specifically request it
In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.
Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.

Bank of Scotland Beginning O You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366
In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
Barclays Bank UK PLC Yes. You do not need to send us the CML Disclosure of Incentives Form but you should ensure that you are aware of it and the valuer was aware of the incentives when the valuation was carried out.
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes, if the purchase price does not reflect the cashback, incentives or discount then we may have to reconsider the basis of our lending.
A completed copy of the CML Disclosure of Incentives Form(the Form) should be obtained where the property is to be occupied for the first time or for the first time in its current form, for example because of a renovation or conversion.You should send the Form as soon as possible to whoever issued the offer/instructions even if it does not disclose any incentives. You must not submit your Certificate of Title unless you have previously sent us the Form.
Birmingham Midshires You should report details of all cash/financial incentives to the Customer Service Centre (see offer for address and fax number) in the following circumstances:-

Where the value of cash incentives is 10% or more greater than the value set out in the Further Conditions section of the Mortgage Offer; or
Where no details are set out in the Mortgage Offer, whenever any cash/financial incentives are being paid by the vendor.

You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.


Do not send a copy of the CML Disclosure of Incentives Form unless we specifically request it.

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
Bluestone Mortgages Yes.
Bradford & Bingley Plc Yes
Britannia, a trading name of The Co-operative Bank plc Yes, at the earliest possible opportunity. Please note that if this form is submitted with the Certificate of Title completion could be delayed.
Buckinghamshire Building Society Yes
Capital Home Loans Receipt of the CML Disclosure of Incentives Form is not required as we do not currently lend on New Builds/Newly converted buildings.

Any form of incentive must be reported to Customer Services, Capital Home Loans Ltd, Admiral House, Harlington Way, Fleet, Hants, GU51 4YA.
Chelsea Building Society (a trading name of Yorkshire BS) Yes, if the purchase price does not reflect the cashback, incentives or discount then we may have to reconsider the basis of our lending.
A completed copy of the UK Finance Disclosure of Incentives Form, also called the Disclosure Form (version 1), (the Form) should be obtained in the circumstances where the property is to be occupied for the first time, or for the first time in its current form, for example, because of a renovation or conversion. You should send the Form as soon as possible to whoever issued the offer/instructions even if it does not disclose any incentives. You must not submit your Certificate of Title unless you have previously sent us the Form.
Clydesdale Bank plc Yes
Co-operative Bank plc Yes, at the earliest possible opportunity. Please note that if this form is submitted with the Certificate of Title completion could be delayed.
Coutts Yes
Coutts Finance Co Yes. See 1.11
Coventry Building Society Yes - via the Disclosure of Incentives Form.
Cynergy Bank Yes.
Darlington Building Society Yes-Please report all incentives, allowances or discounts to the CUSTOMER SUPPORT DEPARTMENT, PRINCIPAL OFFICE. Please state the value of these and the purchase price paid. Such arrangements may lead to our mortgage offer being withdrawn or amended.
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 Yes. The UK FInance Disclosure of Incentives form must be sent to us and you are also reminded of the terms of our supplemental instructions.
Foundation Home Loans Yes. Please send us the UK Finance Disclosure of Incentives Form - fully completed.
Furness Building Society Yes. (On new-builds and newly converted or renovated properties, the Disclosure of Incentives form must be obtained from the vendors solicitor/conveyancer and forwarded to the Society prior to completion).
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Yes - via the Disclosure of Incentives form.
Habito Yes - via the Disclosure of Incentives Form.
Halifax You should report details of all cash/financial incentives to the Customer Service Centre (see offer for address and fax number) in the following circumstances:-

Where the value of cash incentives is 10% or more greater than the value set out in the Further Conditions section of the Mortgage Offer; or
Where no details are set out in the Mortgage Offer, whenever any cash/financial incentives are being paid by the vendor.

You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.


Do not send a copy of the CML Disclosure of Incentives Form unless we specifically request it.

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
Halifax Loans Ltd You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.


Do not send a copy of the form unless we specifically request it. In all other cases you must report to Halifax Loans Limited, Trinity Road, Halifax, HX1 2RG
Hampden & Co. plc Yes.
Handelsbanken Yes.
Harpenden Building Society Yes
Hinckley and Rugby Building Society Yes.
Hodge Equity Release Yes. A completed and signed copy of the CML Disclosure of Incentives Form must be obtained in the circumstances listed in Part 1. You must send a copy of the completed CML Disclosure of Incentives Form to the Mortgage Lending Department (as per 1.11a), as soon as possible, even if there are no incentives to disclose. You must not submit your Certificate of Title until you have sent us the completed CML Disclosure of Incentives Form. You must also refer to the Law Society’s Mortgage Fraud Practice note regarding allowances, incentives and discounts when considering.
Hodge Life Yes. A completed and signed copy of the UK Finance/CML Disclosure of Incentives Form must be obtained in the circumstances listed in Part 1. You must send a copy of the completed UK Finance/CML Disclosure of Incentives Form to the Mortgage Lending Department (as per 1.11a), as soon as possible, even if there are no incentives to disclose. You must not submit your Certificate of Title until you have sent us the completed UK Finance/CML Disclosure of Incentives Form. You must also refer to the Law Society’s Mortgage Fraud Practice note regarding allowances, incentives and discounts when considering.
Holmesdale Building Society Yes.
HSBC UK Bank plc All incentives must be reported to Mortgage Services. You must also complete a UK Finance Disclosure of Incentives Form which the valuer will require. On sending the Certificate of Title you are confirming you are in receipt of this form
Intelligent Finance You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.



Do not send a copy of the form unless we specifically request it. In all other cases, you must report to Securities, Intelligent Finance, PO Box 890, Leeds, LS1 9UG
Investec Bank plc Yes.
ITL Mortgages Yes via the Disclosure of Incentives Form.
JPMorgan Chase Bank, N.A. Yes, unless referred to specifically in mortgage offer (please refer all incentives whether contractual or not).
Kensington Mortgage Company Ltd Yes, all incentives must be reported to : 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) Yes - please specify the nature and amount of any incentives. No action should be taken until we revert to you.

If the case is an equity share, please also report to us if it becomes apparent that the source of deposit is not a family gift and/or from the applicants' own resources
Keystone Property Finance Yes. Please send us the UK Finance Disclosure of Incentives Form - fully completed
Landbay Yes. Please forward to use the UK Finance Disclosure of Incentives form fully completed. Please also note that Landbay considers 'rental guarantees' an incentive.
Landmark Mortgages Limited Yes. You should supply us with a copy of the disclosure of incentives form. Report to:
New Mortgage Completions
Landmark Mortgages
PO Box 656
Durham
DH1 9LY

Tel - 0330 159 7152
Leeds Building Society Yes. A completed and signed copy of the UK Finance Disclosure of Incentives Form must be obtained in the circumstances listed in Part 1. You must send a copy of the completed UK Finance Disclosure of Incentives Form to the Mortgage Lending Department (as per 1.11a), as soon as possible, even if there are no incentives to disclose. You must not submit your Certificate of Title until you have sent us the completed CML Disclosure of Incentives Form. You must also refer to the Law Society’s Mortgage Fraud Practice note regarding allowances, incentives and discounts when considering.
Legal & General Home Finance Ltd Yes, there is a requirement to report all incentives unless such incentives have been revealed on the valuation report.
LendInvest Yes. The UK Finance Disclosure of Incentives Form must be sent to us prior to your submission of your Certificate of Title.
Lloyds Bank plc pre fixed 20/40 You should report details of all cash/financial incentives in the following circumstances:
Where the value of cash incentives is 10% or more greater than the value set out in the Further Conditions section of the Mortgage Offer; or Where no details are set out in the Mortgage Offer, whenever any cash/financial incentives are being paid by the seller.

You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.


Do not send a copy of the CML Disclosure of Incentives Form unless we specifically request it.
In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.
Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
Lloyds Bank plc pre fixed 50/30/77 You should report details of all cash/financial incentives in the following circumstances:
Where the value of the cash incentives is 10% or more greater than the value set out in the Further Conditions section of the Mortgage Offer; or
Where no details are set out in the Mortgage Offer, whenever any cash/financial incentives are being paid by the seller.

You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366
In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.


Do not send a copy of the CML Disclosure of Incentives Form unless we specifically request it. In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.
Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
You should report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.
Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
Lloyds TSB Scotland plc You should report details of all cash/financial incentives in the following circumstances:
Where the value of the cash incentives is 10% or more greater than the value set out in the Further Conditions section of the Mortgage Offer; or
Where no details are set out in the Mortgage Offer, whenever any cash/financial incentives are being paid by the seller.

You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366
In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.


Do not send a copy of the CML Disclosure of Incentives Form unless we specifically request it. In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.
Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
M&S Bank All incentives must be reported to us. You must also complete a UK Finance Disclosure of Incentives Form which the valuer will require. On sending the Certificate of Title you are confirming you are in receipt of this form
Magellan Homeloans Yes please disclose all details you consider appropriate including but not limited to the nature and amount of incentives, all cash and financial incentives including any fees or commission paid by the seller to a third party and the deposit paid by the seller
Manchester Building Society 'Where the property to be mortgaged is being occupied for the first time (or for the first time following redevelopment), the acting solicitor is to provide a copy of the fully completed CML Disclosure of Incentives Form to the Society, prior to exchange of contracts/completion. In the event of there being differences between the CML Disclosure of Incentives form and the information provided at application stage, this may affect the Society’s willingness to lend and could result in a re-offer or a withdrawal of the offer.'
Market Harborough Building Society Yes
Masthaven Bank Yes.
Metro Bank plc Yes. Refer to 1.11
Molo Finance Buy to Let Mortgages Yes. If the purchase price does not reflect the cashback, incentives or discounts then we may have to reconsider the basis of our lending.
Monmouthshire Building Society Yes and provide information on CML Disclosure of Incentives Form.
Mortgage Agency Services Yes. Unless referred to specifically in mortgage offer (please refer all incentives whether contractual or not). We do require solicitor to have sight of the disclosure of incentives form which must have been considered by the valuer
Yes, at the earliest possible opportunity. Please note that if this form is submitted with the Certificate of Title completion could be delayed.
Mortgage Express Yes
Mortgage Express No 2  
National Counties Building Society Yes.
National Westminster Bank plc Yes. You need to notify us of any incentives detailed on the UK Finance Disclosure Form totalling more than 5% of the purchase price. Please do not send the form to us, even if only for information purposes. We do not need to see this form.
Nationwide Building Society Yes – advise the Issuing Office as follows:

Standard purchase applications:

All financial incentives declared in Section 7 of the UK Finance Disclosure Form (i.e. builders cashbacks, deposit paid and any other financial incentives) should be added together to calculate the total value of financial incentives.
Where the total value of financial incentives is less than 5% of the purchase price, don’t report to us.

Where it’s more than 5%, tell us the total value and specifically state whether it’s:
- More than 5% but less than or equal to 15% of the purchase price – the offer is likely to be affected and if so we’ll advise you
- More than 15% of the purchase price – the case will be declined.
Equity loan applications (e.g. Help to Buy):
Builder cashback and deposit paid are unacceptable on new build equity loan applications and if declared on the UKF DF please report to us and the case will be declined.
All other financial incentives should be added together to calculate the total value.

- Where the total value is less than 5% of the purchase price (and doesn’t include builder cashback or deposit paid), don’t report to us.

- Where the total value is more than 5% (or includes builder cashback or deposit paid) – report to us and the case will be declined.
Please also report to us if it becomes apparent the source of deposit is not a family gift and/or from the applicants' own resources.

Non-Financial Incentives:

Only incentives for fixtures and fittings within the property will be considered by Nationwide as non-financial incentives. For example, kitchen upgrades, fitted appliances, flooring, garden landscaping etc. Anything else should be considered as a financial incentive (for example, all vouchers, vehicles, holidays etc).
Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages Yes, all incentives must be reported to New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW.
Tel: 0333-300-3100, Fax: 0333-300-3132
email: enquiries@newstreetmortgages.com
NRAM Ltd Yes.
You should supply us with a copy of the disclosure of incentives form. Report to details as set out in 1.11a
Paragon Buy to Let Mortgages Yes. You must provide the UK Finance Disclosure of Incentives form to us, prior to submission of your ROT. See also our Supplemental Instructions and Guidance Notes.
Paragon Residential Owner-Occupied Mortgages Yes. You must provide the UK Finance Disclosure of Incentives form to us, prior to submission of your COT.
Paratus AMC Ltd Yes. Please send us the UK Finance Disclosure of Incentives Form - fully completed.
Parity Trust Yes
Pepper Money Yes, please contact us on 0333 370 1101 as soon as you become aware of an incentive being offered.
Pepper Money (PUK) Yes, please contact us on 0333 370 1101 as soon as you become aware of an incentive being offered.
Platform (a trading name of The Co-operative Bank p.l.c.) Yes, at the earliest possible opportunity. Please note that if this form is submitted with the Certificate of Title completion could be delayed.
Precise Mortgages (Charter Court Financial Services Ltd) Yes - Contact the Completions Team at the address stated on the mortgage offer/instructions.

All forms of cash/financial incentives are not acceptable unless a family gift for a non-family member's property. Any incentive must be deducted from the lower of the purchase price/valuation and LTV will be calculated from this new figure.

Unacceptable incentives include builders' deposits (with the exception of up to a maximum of 5% of the purchase price of residential purchases which are not for buy-to-let), vendor's deposit, discounted purchase price, purchase from family at discounted purchase price and purchase from a company in which the customer(s) has an interest.

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as a property investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.

For New Build (previously unoccupied) properties, the conveyancer will be required to obtain a completed CML Disclosure of Incentives Form (DIF). Where applicable, the underwriter must consider these details to ensure that there is no effect on the Offer provided.
Principality Building Society Yes, the Society will require the "CML Disclosure of Incentives Form" to have been checked by you. You must advise us as soon as you become aware and in any event prior to exchange of contracts, where the source of the deposit is NOT from the Borrower's own funds and await our approval before proceeding. You should contact us should you have any suspicion that we have not been made aware of ANY incentive.
Please specify the nature and amount of the incentive. You must also refer to the Law society Mortgage Fraud Practice Note regarding allowances, incentives and discounts when considering this issue. If the purchase price does not reflect the cashback, incentives, or discounts then we may have to reconsider the basis of our lending.
Rooftop Mortgages Ltd Yes.
Saffron Building Society Yes, full information regarding incentives, allowances or discounts must be disclosed on the CML Disclosure of Incentives form.

Please submit the DIF at the earliest opportunity to prevent unnecessary delay in completion.

In addition, you should report details of all finders fees (whether or not the CML DIF applies) as they are not considered acceptable. A finders fee is a fee or commission paid (in cash or kind) by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale. Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
Sainsbury's Bank Yes. Please report to contact point as detailed in 1.11a.
Santander UK plc The Conveyancer does not need to report sales incentives to us if the seller is a developer and the incentive is a cash incentive not exceeding 5% of the purchase price and/or payment of legal fees and/or stamp duty land tax in respect of the purchase. Standard specifications offered on the property, including the provision of carpets, curtains, additional white goods or better quality fixtures and fittings that are in keeping with the value of the property are not required to be reported. Payment of the premium for chancel repair liability and/or defective title insurance is not considered to be an incentive required to be reported. In all other cases, the incentive must be reported to us.

We do not knowingly accept applications where the proposed security is purchased by, from or through a Property Investment Club. If you become aware of such connection, or situations where a finder’s fee (that is, a fee or commission paid by the seller to a third party (such as a Property Investment Club) for finding or introducing the borrower) has or is to be paid, please report to the Mortgage Operations office with your knowledge of the position and full details relating to it .Do not proceed with the application but await further instructions.
Scottish Building Society All incentives being offered should be immediately reported to the Area Office of Scottish Building Society that issued mortgage offer, as these may affect the amount that can be borrowed. Please do not send the Disclosure of Incentives Form unless specifically requested by the Society.
Scottish Widows Bank Yes.
Secure Trust Bank PLC Yes, full information regarding incentives, allowances or discounts must be disclosed on the CML Disclosure of Incentives Form.

Please submit the form at the earliest opportunity, otherwise completion could be delayed.

In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.
Skipton Building Society Yes.
St James Place Bank You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of any non-financial/in-kind incentives other than those relating to fixtures or fittings in the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen.
In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.
In all other cases, you must report to Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS
State Bank of India UK Yes. You must provide a copy of the CML Disclosure of Incentives form to us with your Certificate of Title.
Swansea Building Society Yes
Tesco Bank (a trading name of Tesco Personal Finance plc) No, unless the value of cash/financial incentives stated exceed any of the following:-
• those stated by the valuer in the valuation report (which you are provided a copy of)
• those confirmed within the offer
• 5% of the purchase

Incentives relating to fixtures or fittings within the property do not need to be reported to us.

If the incentives are greater than those outlined above, you must complete a CML Disclosure of Incentives Form. On sending the Certificate of Title you are confirming you are in receipt of this form
The Mortgage Business You should only report details of all cash/financial incentives where these add up to a sum which is greater than 5% of the purchase price.

In addition, you should report details of all non-financial/in-kind incentives other than those fixed or fitted to the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen or bathroom, carpets and curtains, white goods, electric upgrades or turf and landscaping.

Do not send a copy of the form unless we specifically request it. In all other cases you must report to Bank of Scotland Plc, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ Fax no. 0131 339 2366
In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an invest club) for finding or introducing a buyer. It does not include the normal fee or comission payable to any estate agent handling the sale.

Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller.



In all other cases, you must report to the Customer Service Centre.
Do not send a copy of the form unless we specifically request it.
"In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.
"
The Mortgage Lender Limited Yes, full information regarding incentives, allowances or discounts must be disclosed on the UK Finance Disclosure of Incentives Form.

A completed copy of the UK Finance Disclosure of Incentives Form (the Form) should be obtained in the circumstances where the property is to be occupied for the first time or for the first time in its current form, for example, because of a renovation or conversion. You
should send the Form as soon as possible to the following email address - Completions@themortgagelender.com.
You must not submit your Certificate of Title unless you have previously sent us the Form.
The Mortgage Works Yes, including any guaranteed rental payments
The Royal Bank of Scotland plc Yes. You need to notify us of any incentives detailed on the UK Finance Disclosure Form totalling more than 5% of the purchase price. Please do not send the form to us, even if only for information purposes. We do not need to see this form.
The Royal Bank of Scotland plc Direct Line Mortgages Yes. You need to notify us of any incentives detailed on the CML Disclosure of Incentives Form. You must also inform us of the total value of the incentives.
The Royal Bank of Scotland plc Direct Line One Yes. You need to notify us of any incentives detailed on the CML Disclosure of Incentives Form. You must also inform us of the total value of the incentives.
The Royal Bank of Scotland plc First Active Yes. You need to notify us of any incentives detailed on the CML Disclosure of Incentives Form. You must also inform us of the total value of the incentives.
The Royal Bank of Scotland plc Natwest one Account Yes. You need to notify us of any incentives detailed on the CML Disclosure of Incentives Form. You must also inform us of the total value of the incentives.
The Royal Bank of Scotland plc One Account Yes. You need to notify us of any incentives detailed on the CML Disclosure of Incentives Form. You must also inform us of the total value of the incentives.
The Royal Bank of Scotland plc Virgin One Yes. You need to notify us of any incentives detailed on the CML Disclosure of Incentives Form. You must also inform us of the total value of the incentives.
The Tipton & Coseley Building Society Yes.

Where the incentive is a gifted deposit made by a family member you should undertake all necessary searches (including bankruptcy search) against the provider and also effect appropriate indemnity insurance.

Please contact the Mortgage Department with any queries on this matter.
Together Personal Finance Limited Yes.
Topaz Finance Ltd Yes and you should report any discounts, allowances, cashbacks or seller deposits i.e. where the deposit is provided by the Seller, to the Lending Department, address and telphone number on Offer of Advance.
TSB Bank plc You should report details of all cash/financial incentives in the following circumstances:
Where the value of the cash incentives is 10% or more greater than the value set out in the Further Conditions section of the Mortgage Offer; or
Where no details are set out in the Mortgage Offer, whenever any cash/financial incentives are being paid by the seller.
In addition, you should report details of any non financial/in-kind incentives other than those relating to fixtures or fittings in the property. For example, we would expect a new car incentive to be reported but not a higher specification kitchen. Do not send a copy of the CML Disclosure of Incentives Form unless we specifically request it. In addition, you should also report details of all finders fees (whether or not the CML Disclosure of Incentives Form applies) as they are not considered acceptable. A finders fee is a fee or commission paid by a seller to a third party (such as an investment club) for finding or introducing a buyer. It does not include the normal fee or commission payable to any estate agent handling the sale.
Where the property is not a new build being sold by the developer, you must notify us if the deposit is to be paid by the seller
Ulster Bank Ltd Yes. You need to notify us of any incentives detailed on the UK Finance Disclosure Form totalling more than 5% of the purchase price. Please do not send the form to us, even if only for information purposes. We do not need to see this form.
Vida Homeloans Yes, full information regarding incentives, allowances or discounts must be disclosed on the CML Disclosure of Incentives Form.
Virgin Money Yes. Where applicable, you should also complete and send to us the Disclosure of Incentives form.

However, we don't need you to report: -conveyancers'’ fees, valuers'’ fees and professional fees up to the value of £1,000;
- white goods;
- carpets and curtains;
- kitchen upgrades (including tiling and worktops);
- bathroom upgrades;
- electric upgrades – i.e. additional sockets, TV points, etc.; and
- turf and landscaping.

If the borrower is obtaining a Help to Buy Equity Loan, all incentives must be reported to us.
Whistletree (a trading name of TSB Bank plc) Yes. You should supply us with a copy of the disclosure of incentives form. Report to Mortgage Servicing,
other details as 1.11a.
Yorkshire Bank Home Loans Ltd Yes
Yorkshire Building Society Yes, if the purchase price does not reflect the cashback, incentives or discount then we may have to reconsider the basis of our lending.

A completed copy of the UK Finance Disclosure of Incentives Form, also called the Disclosure Form (version 1), (the Form) should be obtained in the circumstances where the property is to be occupied for the first time, or for the first time in its current form, for example, because of a renovation or conversion. You should send the Form as soon as possible to whoever issued the offer/instructions even if it does not disclose any incentives. You must not submit your Certificate of Title unless you have previously sent us the Form.
Zephyr Mortgages Yes and you should report any discounts, allowances, cashbacks or seller deposits i.e. where the deposit is provided by the Seller, to the Lending Department, address and telphone number on Offer of Advance.