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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: 5.4.5. Does the lender accept personal searches and, if yes, what are the lender's requirements?

Lender Answer
Accord Buy to Let Yes, subject to the requirements listed in Part 1 and provided you give an unqualified Certificate of Title. You must ensure that the search firm subscribes to the Search Code maintained by the Council of Property Search Organisations and monitored by the Property Codes Compliance Board.
Accord Mortgages Ltd Yes these are acceptable provided 1)the search firm subscribes to the Search Code as monitored and regulated by the Property Codes Compliance Board (PCCB) 2)the requirements listed in Part 1 of this Handbook are met and 3) provided you give an unqualified Certificate of Title.
Adam & Company Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give a clear Certificate of Title.

Adam & Company International Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give a clear Certificate of Title.

Ahli United Bank (UK) plc Please refer to Central Administration Unit
Aldermore Bank PLC Yes, subject to the requirements set out in paragraph 5.4.7 and 5.4.8 of Part 1. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc Yes provided that they are undertaken by a reputable search agent who subscribes to the search code, as monitored by the Property Codes Compliance Board, is registered with the Council of Property Search Organisations, has adequate professional indemnity insurance and where you can still give a clear certificate of title.
Aviva Equity Release UK Ltd Yes, to personal searches carried out by firms registered under CoPSO.
Bank of Ireland (UK) plc Only personal searches carried out by firms registered under The Search Code, monitored by the Property Codes Compliance Board.
Bank of Ireland as Bank of Ireland Mortgages We accept only personal searches carried out by firms registered under The Search Code, monitored by the Property Codes Compliance Board.
Bank of Scotland Beginning A Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Bank of Scotland Beginning O Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Banks and Clients Plc No
Barclays Bank UK PLC Yes, at the Conveyancer's own risk. It is recommended that the firm subscribe to the Search Code, monitored by the Property Code Compliance Board
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes, these are acceptable provided 1) the search firm subscribes to the Search Code as monitored and regulated by the Property Codes Compliance Board (PCCB); 2) the requirements listed in Part 1 of this Handbook are met and 3) you give an unqualified Certificate of Title.
Birmingham Midshires Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Bluestone Mortgages Yes, provided that the search firm subscribes to the Search Code as monitored and regulated by the Property Codes Compliance Board, that the requirements listed in Part 1 of this Handbook are met, and that you give an unqualified Certificate of Title.
Bradford & Bingley Plc Only personal searches carried out in accordance with the Search Code monitored by the PCCB
Britannia, a trading name of The Co-operative Bank plc We only accept personal searches carried out by firms registered under The Search Code, monitored by the Property Codes Compliance Board
Buckinghamshire Building Society No
Capital Home Loans Only personal searches carried out under Council of Property Search Organisations (COPSO) Search Code.
Chelsea Building Society (a trading name of Yorkshire BS) Yes these are acceptable provided 1) the search firm subscribes to the Search Code as monitored and regulated by the Property Codes Compliance Board (PCCB) 2) the requirements listed in Part 1 of this Handbook are met and 3)you give an unqualified Certificate of Title.
Clydesdale Bank plc Yes provided the firm is registered with the Council of Property Search Organisations and subscribes to the Search Code monitored by the Property Codes Compliance Board and also that the requirements under sections 5.4.7 and 5.4.8 of Part 1 are met.
Co-operative Bank plc We only accept personal searches carried out by firms registered under The Search Code, monitored by the Property Codes Compliance Board
Coutts Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
Coutts Finance Co Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
Coventry Building Society Yes, provided the Search Agent subscribes to the Search Code, monitored by the PCCB.
Cynergy Bank We accept personal searches provided these enable the solicitor firm or licensed conveyance firm to provide a clear certificate of title.
Darlington Building Society Yes, for remortgages only. Search firm must subscribe to the Search Code, monitored by the PCCB.
DB UK Bank Ltd No we do not accept personal searches
Dudley Building Society Yes, providing the rquirements under section 5.4.7 are satisfied.
Earl Shilton Building Society Refer to Mortgage Dept at Head Office - Earl Shilton 01455 844 422
Ecology Building Society Yes, search firm must subscribe to the Search Code, monitored by PCCB
Family Building Soc (a trading name of National Counties BS) Yes. Search firm must subscribe to the Search Code, monitored by the Property Codes Compliance Board.
Fleet Mortgages No
Foundation Home Loans Yes, subject to the requirements set out in Part 1 and provided you give an unqualified Certificate of Title. You must ensure that the search agent subscribes to the Search Code maintained by the Council of Property Search Organisations and monitored by the Property Codes Compliance Board.
Furness Building Society Yes, subject to the solicitor ensuring adequate indemnity insurance is in place. The search code monitored by the Property Codes Compliance Board only.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Yes, provided the Search Agent subscribes to the Search Code, monitored by the PCCB.
Halifax Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Halifax Loans Ltd Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Hampden & Co. plc Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
Handelsbanken Yes, provided that the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
Harpenden Building Society Refer to Mortgage Department
Harpenden Building Society
Mardall House
9-11 Vaughan Road
Harpenden, Herts
AL5 4HU
Tel 01582 463133
Hinckley and Rugby Building Society Not for House Purchase loans. Acceptable for remortgage loans only and subject to your own risk, provided that the Personal Search company is registered under the Independent Property Codes Compliance Board, ensuring that they comply with the Search Code monitored by the PCCB, and the appropriate indemnity is in place,
Holmesdale Building Society yes as an exception when covered by suitable insurance indemnity and providing cover extends to purchasers lenders.

For personal serach carried out by firms registered under particular code of practice we accept searched carried out in accordance with the Search Code monitored by the PCCB.
HSBC Bank plc Yes, provided the firm is registered with the Council of Property Search Organisations (CoPSO), has adequate professional indemnity insurance and states that it complies with the Code of Practice for Search Compliers and Retailers.
HSBC UK Bank plc Yes, provided the firm is registered with the Council of Property Search Organisations (CoPSO), has adequate professional indemnity insurance and states that it complies with the Code of Practice for Search Compliers and Retailers.
Intelligent Finance Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Investec Bank plc Only in exceptional circumstances. Please refer to the additional requirements at Part 2, para 7.5 of the Standing Instructions.
ITL Mortgages Yes - provided the Search Agent subscribe to the Search Code, monitored by the PCCB
JPMorgan Chase Bank, N.A. Yes provided the firm is registered with the Council of Property Search Organisations and subscribes to the Search Code monitored by the Property Codes Compliance Board and also that the requirements under sections 5.4.7 and 5.4.8 of Part 1 are met.

Kensington Mortgage Company Ltd No, we do not accept all personal searches without limitations. Our requirements as to personal searches are as set out in paragraphs 5.4.7 bullet one and two of Part 1. Personal searches are carried out at the solicitors' own risk provided adequate insurance is in place.
Kent Reliance (a trading name of OneSavings Bank plc) Personal Searches are acceptable provided the search firm subscribes to the Search Code as monitored and regulated by the Property Codes Compliance Board and provided that an unqualified Certificate of Title is provided.
Keystone Property Finance No
Landbay Yes. By prior agreement.
Landmark Mortgages Limited Yes, but the conveyancer does so at their own risk.
Leeds Building Society Yes, provided that:

• searches are carried out in accordance with the Search Code monitored by the Property Codes Compliance Board;
• the search agency has adequate Professional Indemnity Insurance;
• the requirements listed in Part 1 (paragraph 5.4.7) are satisfied; and
• you give an unqualified Certificate of Title.
Legal & General Home Finance Ltd Yes.
Searches carried out in accordance with the Search Code and monitored by the Property Codes Compliance Board
LendInvest No
Lloyds Bank plc pre fixed 20/40 Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Lloyds Bank plc pre fixed 50/30/77 Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Lloyds TSB Scotland plc Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
M&S Bank Yes, provided the firm is registered with the Council of Property Search Organisations (CoPSO), has adequate indemnity insurance and states that it complies with the Search Code
Magellan Homeloans Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give an unqualified Certificate of Title.

In addition, you may accept Chancel Repair Insurance on our behalf without referral, if you are satisfied that it provides adequate protection.



Manchester Building Society Yes, subject to firms complying with their own procedures and indemnity cover
Market Harborough Building Society Yes
Metro Bank plc Yes- We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Molo Finance Buy to Let Mortgages Yes, provided the firm is registered with the Council of Property Search Organisations (CoPSO), has adequate professional indemnity insurance and states that it complies with the Code of Practice for Search Compliers and Retailers.
Monmouthshire Building Society Personal searches must satisfy the requirements of paragraphs 5.4.7 and 5.4.8.
Contact:
Lending Operations Department
Monmouthshire Building Society
Monmouthshire House
John Frost Square
Newport
NP20 1PX
Mortgage Agency Services No
Mortgage Express Only personal searches carried out in accordance with the Search Code monitored by the PCCB.
Mortgage Express No 2  
National Counties Building Society Yes. Search firm must subscribe to the Search Code, monitored by the Property Codes Compliance Board.
National Westminster Bank plc Yes, provided that the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
Nationwide Building Society Yes providing the requirements under sections 5.4.7 and 5.4.8 in Part 1 are satisfied. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.

If there is a possibility of chancel repair liability:
No liability registered at Land Registry and the property has been transferred for valuable consideration since 13 October 2013 – no indemnity insurance required.
Properties being registered for the first time or first transfer for valuable consideration since 13 October 2013 - indemnity insurance is required to protect us (see paragraph 9 parts 1 and 2 for our requirements).

If there is known chancel repair liability:
We will require indemnity insurance to be in place. If there is no policy and one will not be obtained where there is a known risk, please refer the details to us including details of how many properties are subject to the liability.
Nedbank Private Wealth Ltd We do not accept personal searches.
New Street Mortgages No, we do not accept all personal searches without limitations. Our requirements as to personal searches are as set out in paragraphs 5.4.7 bullet one and two of Part 1. Personal searches are carried out at the solicitors' own risk provided adequate insurance is in place.
NRAM Ltd Yes, but the conveyancer does so at their own risk.
Paragon Buy to Let Mortgages No
Paragon Residential Owner-Occupied Mortgages No.
Paratus AMC Ltd Yes, subject to the requirements set out in Part 1 and provided you give an unqualified Certificate of Title. You must ensure that the search agent subscribes to the Search Code maintained by the Council of Property Search Organisations and monitored by the Property Codes Compliance Board.
Parity Trust No
Pepper Homeloans No
Pepper Money No
Platform (a trading name of The Co-operative Bank p.l.c.) We only accept personal searches carried out by firms regulated under The Search Code, monitored by the Property Codes Compliance Board.
Precise Mortgages (Charter Court Financial Services Ltd) Yes - provided you give an unqualified Certificate of Title.
Principality Building Society Yes provided:
i) that the requirements of 5.4.7 and 5.4.8 are satisfied,
ii) an unqualified certificate of title is given to us and,
iii) the conveyancer does so at his own risk.

Also the search firm used must be registered under The Search Code monitored by the Property Codes Compliance Board (PCCB).
Rooftop Mortgages Ltd Yes provided the firm is registered with the Council of Property Search Organisations and subscribes to the Search Code monitored by the Property Codes Compliance Board and also that the requirements under sections 5.4.7 and 5.4.8 of Part 1 are met.

Saffron Building Society Yes, subject to the requirements set out in paragraph 5.4.7 of Part 1 of the Handbook
Sainsbury's Bank Yes, so long as the conditions set out in section 5.4.7 of Part 1 are satisfied.
Santander UK plc Yes- subject to the following.

Search firm must subscribe to the Search Code, monitored by the Property Codes Compliance Board.
Santander UK plc for Alliance & Leicester mortgages only Yes, subject to the following.

Search firm must subscribe to The Search Code, monitored by the Property Codes Compliance Board.
Scottish Building Society  
Scottish Widows Bank Yes.
Secure Trust Bank PLC Yes, subject to the requirements set out in paragraph 5.4.7 and 5.4.8 of Part 1. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
Skipton Building Society Yes, at your risk, if time does not permit an official search.
St James Place Bank  
State Bank of India UK No.
Swansea Building Society Yes - provided the search firm subscribes to the Search Code and is monitored by the PCCB
Tesco Bank (a trading name of Tesco Personal Finance plc) Yes, so long as the conditions set out in section 5.4.7 of Part I are satisfied.
The Mortgage Business Yes, subject to paragraphs 5.4.7 and 5.4.8. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board.
The Mortgage Lender Limited Yes, provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
The Mortgage Works Yes, providing the requirements under section 5.4.7 and 5.4.8 in Part 1 are satisfied. We recommend that any firm carrying out a personal search is registered under The Search Code as monitored by the Property Codes Compliance Board.
If there is a possibility of chancel repair liability:
No liability registered at Land Registry and the property has been transferred for valuable consideration since 13 October 2013 - no indemnity insurance required.
Properties being registered for the first time or first transfer for valuable consideration since 13 October 2013 - indemnity insurance is required to protect us (see paragraph 9 parts 1 and 2 for our requirements).
If there is known chancel repair liability:
We will require indemnity insurance to be in place. If there is no policy and one will not be obtained where there is a known risk, please refer details back to us including the number of properties that are subject to the liability.
The Royal Bank of Scotland plc Yes, provided that the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
The Royal Bank of Scotland plc Direct Line Mortgages Yes provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
The Royal Bank of Scotland plc Direct Line One Yes, provided that the search agent has adequate professional indemnity insurance and you can still give a clear certificate of Title.
The Royal Bank of Scotland plc First Active Yes, provided the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
The Royal Bank of Scotland plc Natwest one Account Yes, provided that the search agent has adequate professional indemnity insurance and you can still give a clear certificate of Title.
The Royal Bank of Scotland plc One Account Yes, provided that the search agent has adequate professional indemnity insurance and you can still give a clear certificate of Title.
The Royal Bank of Scotland plc Virgin One Yes, provided that the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
The Tipton & Coseley Building Society Search firm must subscribe to the Search Code, monitored by PCCB.
Topaz Finance Ltd The Search Code monitored by the PCCB.
TSB Bank plc We accept personal searches carried out by qualified agents with suitable indemnity insurance.
Ulster Bank Ltd Yes, provided that the search agent has adequate professional indemnity insurance and you can still give a clear Certificate of Title.
Vida Homeloans No
Virgin Money plc Yes, but the conveyancer does so at their own risk.
Whistletree (a trading name of TSB Bank plc) We accept personal searches carried out by qualified agents with suitable indemnity insurance
Yorkshire Bank Home Loans Ltd Yes provided the firm is registered with the Council of Property Search Organisations and subscribes to the Search Code monitored by the Property Codes Compliance Board and also that the requirements under sections 5.4.7 and 5.4.8 of Part 1 are met.
Yorkshire Building Society Yes, these are acceptable provided 1) the search firm subscribes to the Search Code as monitored and regulated by the Property Codes Compliance Baord (PCCB) 2) the requirements listed in Part 1 of this Handbook being met and 3) you give an unqualified Certificate of Title.
Zephyr Mortgages Zephyr does not accept personal searches