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Question: 5.4.6. Does the lender accept search insurance and, if yes, what are the lender's specific requirements?

Lender Answer
Accord Buy to Let Yes, subject to the requirements in Part 1 and provided you give an unqualified Certificate of Title.
Accord Mortgages Ltd Yes, subject to the requirements listed in Part 1 and provided you give an unqualified Certificate of Title.
Adam & Company No
Adam & Company International No

Ahli United Bank (UK) plc Please refer to Central Administration Unit
Aldermore Bank PLC Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Yes, provided that it complies with 5.4.7 and 5.4.8 of Part 1.
Atom Bank plc For purchase transactions - no

For remortgage cases- Yes, provided the Atom mortgage conditions are met, and the search insurance adequately protects us, and where you are satisfied that you will be able to certify that the title is good and marketable.

For any other cases or where clarification is required, please refer to Mortgage Completions Team, as per 1.11.
Aviva Equity Release UK Ltd Please contact the lender.
Bank of Ireland (UK) plc For remortgage transactions only, of up to and including £1 million, we do not require the Solicitor to make a Local Authority search or to effect local search insurance. Instead we shall take out a local search indemnity policy at our own expense. We will be the sole named insured on the policy. The Solicitor is also not required to carry out any mining, Cheshire Brine or commons registration searches on our behalf for remortgages up to £1 million. However, we recommend these are undertaken, where appropriate, if not previously carried out on behalf of the applicant(s).

For purchases, only if the local search obtained for the transaction is now more than six months old and you are satisfied that the insurance policy adequately protects us.
Bank of Ireland as Bank of Ireland Mortgages For remortgage transactions only, of up to and including £1 million, we do not require the Solicitor to make a Local Authority search or to effect local search insurance. Instead we shall take out a local search indemnity policy at our own expense. We will be the sole named insured on the policy. The Solicitor is also not required to carry out any mining, Cheshire Brine or commons registration searches on our behalf for remortgages up to £1 million. However, we recommend these are undertaken, where appropriate, if not previously carried out on behalf of the applicant(s).

For purchases, only if the local search obtained for the transaction is now more than six months old and you are satisfied that the insurance policy adequately protects us.
Bank of Scotland Beginning A Yes
Bank of Scotland Beginning O Yes
Barclays Bank UK PLC Yes, provided adequate cover is arranged, at the Conveyancer's own risk
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes, subject to the requirements listed in Part 1 and provided you give an unqualified Certificate of Title.
Birmingham Midshires Yes
Bluestone Mortgages No.
Bradford & Bingley Plc Yes provided you give an unqualified Certificate of Title.
Britannia, a trading name of The Co-operative Bank plc No
Buckinghamshire Building Society No
Capital Home Loans Yes, at your own risk. You must ensure that the search insurance policy adequately protects us.
Chelsea Building Society (a trading name of Yorkshire BS) Yes, subject to the requirements listed in Part 1 and provided you give an unqualified Certificate of Title.
Clydesdale Bank plc Yes - the minimum cover must be the open market value of the property.
Co-operative Bank plc No
Coutts No
Coutts Finance Co No
Coventry Building Society Yes providing the search insurance adequately protects us, and you are satisfied that you will be able to certify that the title is good and marketable.
Cynergy Bank We accept search insurance provided these enable the solicitor firm or licensed conveyance firm to provide a clear certificate of title.
Darlington Building Society Yes, for remortgages only. The minimum amount of cover must be the open market value of the property, and you are satisfied that you are able to certify that the Title is good and marketable.
DB UK Bank Ltd Search insurance is acceptable subject to the following:

- you are satisfied that our interests are adequately safeguarded
- the sum insured of the policy is an amount at least equal to the mortgage advance or credit limit, whichever the higher
- you can certify that the title is good and marketable and provide a clear Certificate of Title
Dudley Building Society Yes, providing the search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable.
Earl Shilton Building Society Yes,only if remortgaging same property from another Lender. All other cases - No. Please refer to Mortgage Department for other queries.
Ecology Building Society Yes, providing the search insurance fully protects us and you are satisfied that you will be able to certify that the title is good and marketable
Family Building Soc (a trading name of National Counties BS) Yes for remortgages only, provided the search insurance adequately protects us and you are able to certify that the title is good and marketable.
Fleet Mortgages Search insurance is only acceptable for remortgages, and only acceptable in respect of local authority searches, provided that our interests are fully protected. This excludes transactions;
• of £1million or more;
• relating to Houses in Multiple Occupation (HMOs);
• relating to Multi-Unit Freehold Blocks (MUBs).
The insurance policy must cover our successors in title without limitation and the conveyancer must provide an unqualified Certificate of Title.
Foundation Home Loans No.
Furness Building Society Re-mortgages only, subject to an unqualified Certificate of Title.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Yes providing the search insurance adequately protects us, and you are satisfied that you will be able to certify that the title is good and marketable.
Habito Yes providing the search insurance adequately protects us, and you are satisfied that you will be able to certify that the title is good and marketable.
Halifax Yes
Halifax Loans Ltd Yes
Hampden & Co. plc No
Handelsbanken Yes, provided you are still able to give an unqualified Certificate of Title. Please refer to the Branch office instructing you before proceeding with insurance in place of searches.
Harpenden Building Society Yes, providing the search insurance fully protects us and you are satisfied that you will be able to certify that the title is good and marketable.
Hinckley and Rugby Building Society No on purchase mortgages. Yes on remotgages.
Hodge Equity Release Purchase; No
Re-Mortgage; Yes, if the search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable. Section 9 of the handbook must also be satisfied.
Hodge Life Purchase; No
Re-Mortgage; Yes, if the search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable. Section 9 of the handbook must also be satisfied.
Holmesdale Building Society yes, see 5.3.5 above.
HSBC UK Bank plc No
Intelligent Finance Yes
Investec Bank plc The Bank may accept search insurance on the recommendation of the Bank's solicitor in particular circumstances, where there is existing debt on the property.
ITL Mortgages Yes providing the search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable
JPMorgan Chase Bank, N.A. No.
Kensington Mortgage Company Ltd For purchase transactions – No.
For remortgage transactions - Yes, unless the Offer states otherwise. You should satisfy yourselves as to the policy terms on behalf of the borrower(s).
Kent Reliance (a trading name of OneSavings Bank plc) Yes, for re-mortgages only. You must ensure the search insurance adequately protects us and certify that the title is good and marketable.

Keystone Property Finance No
Landbay No.Not normally - please contact Legals@landbay.co.uk
Landmark Mortgages Limited Yes, but the search insurance policy must protect us (see section 9 of the Lenders' Handbook).
Leeds Building Society Yes, subject to the requirements listed in Part 1 of this handbook (paragraph 5.4.7) and provided you give an unqualified Certificate of Title and are satisfied that our interests are safeguarded and not adversely affected.
Legal & General Home Finance Ltd Yes, at your risk provided you are satisfied our interests are protected and you are satisfied that you will be able to certify that the title is good and marketable.
LendInvest Yes, search insurance is acceptable for local authority searches only and for remortgages only, provided the local authority search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable and provide us with an unqualified certificate of title.

We may also accept search insurance where the searches are over 6 months old on a case by case basis, please contact us on the details provided in 1.11a.

If you are in any doubt as to whether search insurance is acceptable to us, please contact us on the details provided in 1.11a.
Lloyds Bank plc pre fixed 20/40 Yes, subject to Section 9 of Part 1.
Lloyds Bank plc pre fixed 50/30/77 Yes, as approved by the acting solicitor.
Lloyds TSB Scotland plc Yes, as approved by the acting solicitor.
M&S Bank No
Magellan Homeloans Yes, subject to the requirements in Part 1 and provided you give an unqualified Certificate of Title.



Manchester Building Society Yes, subject to firms complying with their own procedures and indemnity cover.
Market Harborough Building Society Yes - to cover the mortgage debt
Masthaven Bank Yes, provided that the protection is adequate.
Metro Bank plc We accept search insurance for remortgage transactions only, where an existing mortgage debt is in place.
Molo Finance Buy to Let Mortgages For remortgages of single self-contained units, search insurance is acceptable for the usual searches, provided that it adequately protects us and you are satisfied that you can certify that the title is good and marketable and provide us with an unqualified Report on Title.

NOT ACCEPTED ON:-
(1) Houses in multiple occupation.
(2) Multi-unit building.
(3) Purchases of any property type.
(4) Remortgages where the property is currently owned mortgage-free.
(5) Any other searches.

If you are in any doubt as to whether search insurance is acceptable to us, please contact us on the details provided in 1.11a
Monmouthshire Building Society Yes - Re-mortgage
No - Purchase
Please contact:
Sols@monbs.com

Lending Operations
Monmouthshire Building Society
Monmouthshire House
John Frost Square
Newport
NP20 1PX
Mortgage Agency Services No
Mortgage Express Yes provided you give an unqualified Certificate of Title.
Mortgage Express No 2  
National Counties Building Society Yes, for remortgages only, provided the search insurance adequately protects us and you are able to certify that the title is good and marketable.
National Westminster Bank plc Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
Nationwide Building Society Yes providing the search insurance adequately protects us, and you are satisfied that you will be able to certify that the title is good and marketable.
Nedbank Private Wealth Ltd We do not accept search insurance.
New Street Mortgages Yes, for remortgages only, providing that the search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable.

Not accepted on purchases.
NRAM Ltd Yes, but the search insurance policy must protect us (see Section 9 of the Lenders' Handbook).
Paragon Buy to Let Mortgages For remortgages of single self-contained units, search insurance is acceptable for local authority searches only. This is provided that the local authority search insurance adequately protects us and you are satisfied that you can certify that the title is good and marketable and provide us with an unqualified Report on Title.

NOT ACCEPTED ON:-

(1) Houses in multiple occupation.
(2) Multi unit building.
(3) Purchases of any property type.
(4) Any other searches.

If you are in any doubt as to whether search insurance is acceptable to us, please contact us on the details provided in 1.11a.
Paragon Residential Owner-Occupied Mortgages Yes, search insurance is acceptable for local authority searches only and for remortgages only, provided the local authority search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable and provide us with an unqualified certificate of title.
NOT ACCEPTED ON PURCHASES OR FOR ANY OTHER SEARCHES.
Paratus AMC Ltd No.
Parity Trust No
Pepper Money Yes for remortgages only, and provided the search insurance adequately protects us and you are able to certify that the title is good and marketable.
Not for purchase transactions.
Pepper Money (PUK) Yes for remortgages only, and provided the search insurance adequately protects us and you are able to certify that the title is good and marketable.
Not for purchase transactions.
Platform (a trading name of The Co-operative Bank p.l.c.) Yes, for remortgages only, providing that the search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable.

Not accepted on purchases.
Precise Mortgages (Charter Court Financial Services Ltd) Yes - at your own risk and provided you are satisfied that our interests are safeguarded.
Principality Building Society Purchase; No
Re-Mortgage; Yes, if the search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable. Section 9 of the handbook must also be satisfied.
Rooftop Mortgages Ltd We offer policies underwritten by London and European which have been arranged for the benefit of the Lender only. We will not accept other search insurance unless expressly stated in the special conditions of the Mortgage Offer.
Saffron Building Society Yes, for re-mortgages only.
The search insurance must adequately protect us and you must be able to certify that the title is good and marketable.
Sainsbury's Bank Yes for remortgages only, subject to the requirements listed in Part 1 of this handbook (paragraph 5.4.7) and provided the search insurance adequately protects us and you can give an unqualified Certificate of Title.(excludes unencumbered properties)
Santander UK plc We will not accept search insurance in place of Land Registry searches but will accept search insurance in lieu of other required searches, but only at your own risk.
Scottish Building Society  
Scottish Widows Bank Yes.
Secure Trust Bank PLC Yes for re-mortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable.
Skipton Building Society Purchases – No.

Remortgages – Yes, at Conveyancer’s own risk. You must be able to certify that title is good and marketable and provide an unqualified Certificate of Title. Any policy must cover our successors in title or be readily assignable (with no onerous conditions).

St James Place Bank Yes.
State Bank of India UK For Purchase Transactions - No

For Remortgage Transactions - Yes (subject to the following conditions)

- That the solicitor is able to state that the title is good and marketable and can provide an unqualified Certificate of Title

- That the solicitor arranges the policy at their own risk

- That the search insurance fully protects State Bank of India

- The sum insured by the policy is at least equal to the mortgage advance (whichever is higher)

- All other conditions set out by the State Bank of India are met

- Not acceptable for Houses in Multiple Occupation (HMO)

If you have any questions please refer to lender
Swansea Building Society No
Tesco Bank (a trading name of Tesco Personal Finance plc) No.
The Mortgage Business Yes
The Mortgage Lender Limited Not for residential (owner occupied) mortgages.

For Buy to Let mortgages we will accept search insurance for re-mortgages only.

You must ensure the search insurance adequately protects us and certify that the title is good and marketable. Any search insurance policy should cover the following:

1 any issues that would be discovered from a search in Form LLC1 of the Register of Local Land Charges with a full set of enquiries of the appropriate local authority in Form Con 29 or any official forms in substitution thereof;
2 any issues that would be discovered from an enquiry to the relevant sewerage or water undertaker in respect of sewerage or water matters contained in Form Con 29DW or any official form in substitution thereof;
3 any issues that would be discovered from an enquiry of the Coal Authority in respect coal mining matters contained in Form Con 29M or any official form in substitution thereof;
4 any issues that would be discovered from a commons registration, Environment Agency, Cheshire brine, tin, limestone or other mining search; and
5 any matter that would be discovered from a chancel search.

The Mortgage Works Yes providing the search insurance adequately protects us and you are satisfied that you will be able to certify that the title is good and marketable.
The Royal Bank of Scotland plc Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
The Royal Bank of Scotland plc Direct Line Mortgages Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
The Royal Bank of Scotland plc Direct Line One Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
The Royal Bank of Scotland plc First Active Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
The Royal Bank of Scotland plc Natwest one Account Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
The Royal Bank of Scotland plc One Account Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
The Royal Bank of Scotland plc Virgin One Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
The Tipton & Coseley Building Society Yes provided that the search insurance adequately protects us, and you are satisfied that you will be able to certify that the title is good and marketable.
Together Personal Finance Limited Yes as long as the conditions set out in 5.4.7 of Part 1 are satisfied.
Topaz Finance Ltd No.
TSB Bank plc Yes, as approved by the acting solicitor.
Ulster Bank Ltd Yes for remortgages only, providing the search insurance adequately protects us and you are able to certify that the title is good and marketable. We do not accept search insurance for purchase cases.
Vida Homeloans For re-mortgage transactions only, other than those under a Fee Saver product, of up to and including £1 million (excluding unencumbered properties), you are not required to carry out a Local Authority search or procure local search indemnity insurance. The lender [/We] will arrange its [/our] own no search indemnity policy with Stewart Title. The fee will be invoiced by Stewart Title to you directly. This is administered by our Panel Manager, ULS technology. Any queries relating to the policy should be directed to them on 01844 262392. You must confirm in the COT whether full searches have been obtained or whether the no search indemnity policy is required. Only the Stewart Title no search indemnity policy procured using this process is acceptable. We will not accept any other no search indemnity policy.
No, except for the transactions identified above or unless the Offer states otherwise. You should satisfy yourselves as to the policy terms on behalf of the borrower(s).
Virgin Money Yes, but the search insurance policy must protect us (see section 9 of the Lenders' Handbook).
Whistletree (a trading name of TSB Bank plc) Yes, as approved by the acting solicitor.
Yorkshire Bank Home Loans Ltd Yes - the minimum cover must be the open market value of the property.
Yorkshire Building Society Yes, subject to the requirements listed in Part 1 and provided you give an unqualified Certificate of Title.
Zephyr Mortgages For remortgages, search insurance is acceptable for local authority searches only subject to the exclusions listed below.
• Transactions of £1million or more.
• HMOs
• MUFBs.
The conveyancer must provide an unqualified Certificate of Title. The insurance policy must cover our successors in title