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: 5.2.1. If different from 1.11, the contact point if the seller is not the owner or registered proprietor and is not listed in the exceptions above:

Lender Answer
Accord Buy to Let As 1.11a.
Accord Mortgages Ltd As 1.11a
Adam & Company  
Adam & Company International  
Ahli United Bank (UK) plc New Business/Underwriting - Residential Mortgage Department
Aldermore Bank PLC As 1.11.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc Mortgage applications involving assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable to us.

We will not usually lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third party.

All circumstances where the seller is not the owner or registered proprietor other than those listed in Part 1 under 5.2.1 should be referred to our Mortgage Team (see 1.11a for contact details) with full details.
Aviva Equity Release UK Ltd  
Bank of Ireland (UK) plc Case Manager (see front page of the Offer for contact details).
Bank of Ireland as Bank of Ireland Mortgages Case Manager (see front page of the Offer for contact details).
Bank of Scotland Beginning A Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).
Bank of Scotland Beginning O Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details) .
Barclays Bank UK PLC Issuing Officer
Barnsley Building Soc, a trading name Yorkshire Building Soc As 1.11a
Birmingham Midshires Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).
Bluestone Mortgages As per 1.11.
Bradford & Bingley Plc  
Britannia, a trading name of The Co-operative Bank plc  
Buckinghamshire Building Society Buckinghamshire Building Society, High Street,
Chalfont St Giles, Bucks,
HP8 4QB
e-mail mortgages@bucksbs.co.uk
Tel: 01494 879517
Fax: 01494 877259
Capital Home Loans Customer Services, Capital Home Loans Ltd, Admiral House, Harlington Way, Fleet, Hants, GU51 4YA
Chelsea Building Society (a trading name of Yorkshire BS) As 1.11a.
Clydesdale Bank plc Mortgage Services
PO BOX 3105
Clydebank
Glasgow
Co-operative Bank plc  
Coutts  
Coutts Finance Co  
Coventry Building Society  
Cynergy Bank As per 1.11.a
Darlington Building Society Customer Support Department, Principal Office
DB UK Bank Ltd db mortgages
PO Box 890
Newport
NP20 9LZ
Dudley Building Society As 1.11a. Please also confirm who the seller is.
Earl Shilton Building Society  
Ecology Building Society  
Family Building Soc (a trading name of National Counties BS) Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL
DX 30729 EPSOM
Email: loansunderwriting@familybsoc.co.uk
Fleet Mortgages See 1.11a
Foundation Home Loans New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA
Email: FHL@foundationhomeloans.co.uk
Tel: 0344 770 8033
Furness Building Society As 1.11a
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd  
Habito All circumstances where the seller is not the owner or registered proprietor should be raised to our attention using the contact details as per 1.11
Halifax Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).
Halifax Loans Ltd Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



Hampden & Co. plc See 1.11
Handelsbanken Refer to Branch office instructing you.
Harpenden Building Society  
Hinckley and Rugby Building Society  
Hodge Equity Release As per 1.11a
Hodge Life As per 1.11a
Holmesdale Building Society Lender
HSBC UK Bank plc Transactions which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.

We will NOT lend in transactions where there is a sub-sale, back to back transaction or in one where the contract for sale is to be assigned to a third party.

All other circumstances where the seller is not the owner or registered proprietor, other than those listed in Part 1 under 5.2.1, should be referred to Mortgage Services (see 1.11a for contact details) with full details
Intelligent Finance Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



Investec Bank plc Please contact the member of Banking Legal or PBLO notified to you in the Transaction Instructions.
ITL Mortgages  
JPMorgan Chase Bank, N.A.  
Kensington Mortgage Company Ltd 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) Issuing office

We will not lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third party.
Keystone Property Finance As 1.11a
Landbay See. 1.11a Legals@landbay.co.uk
Landmark Mortgages Limited New Mortgage Completions
Landmark Mortgages
PO Box 656
Durham
DH1 9LY

Tel - 0330 159 7152
Leeds Building Society As per 1.11a.
Legal & General Home Finance Ltd Same as 1.11a
LendInvest See 1.11a
Lloyds Bank plc pre fixed 20/40 Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



Lloyds Bank plc pre fixed 50/30/77 Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



Lloyds TSB Scotland plc Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).



M&S Bank M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322

transactions which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. you should also report any other structure to the transaction which has a similar effect.

We will NOT lend in transactions where there is a sub-sale, back to back transaction or in one where the contract for sale is to be assigned to a third party.

All other circumstances where the seller is not the owner or registered proprietor, other than those listed in Part 1 under 5.2.1, should be referred to us
Magellan Homeloans Issuing Office
Market Harborough Building Society  
Masthaven Bank As per 1.11.
Metro Bank plc As per 1.11.
Molo Finance Buy to Let Mortgages As 1.11a.
Monmouthshire Building Society  
Mortgage Agency Services  
Mortgage Express  
National Counties Building Society Loans Underwriting Department, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL
DX 30729 EPSOM
Email: loansunderwriting@ncbs.co.uk
National Westminster Bank plc As 1.11a
Nationwide Building Society We will not normally lend where there is a sub-sale or back to back transaction and we will not lend where the contract for sale is to be assigned to a third party. All circumstances where the seller is not the owner or registered proprietor other than those listed in Part 1 under 5.2.1 should be referred to the issuing office with full details.
Nedbank Private Wealth Ltd You must report any such matter to us.
New Street Mortgages New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW. Tel: 0333-300-3100, Fax: 0333-300-3132, email: enquiries@newstreetmortgages.com
NRAM Ltd See 1.11a
Paragon Buy to Let Mortgages  
Paragon Residential Owner-Occupied Mortgages  
Paratus AMC Ltd New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA /Email: FHL@foundationhomeloans.co.uk/ Tel: 0344 770 8033
Parity Trust As 1.7
Pepper Money As is for 1.11
Pepper Money (PUK) As is for 1.11
Platform (a trading name of The Co-operative Bank p.l.c.)  
Precise Mortgages (Charter Court Financial Services Ltd) Completions Team at the address stated on the mortgage offer/instructions.
Principality Building Society As in 1.7:
Mortgage New Business
PO Box 89
Queen Street
CARDIFF
CF10 1UA
0330 333 4021
Rooftop Mortgages Ltd  
Saffron Building Society As 1.11
Sainsbury's Bank Contact point as detailed in 1.11a.
Santander UK plc Refer to Mortgage Operations office instructing you.
Scottish Widows Bank New Business Processing (see 1.11a).
Secure Trust Bank PLC As 1.11
Skipton Building Society (i) Completions Team
(ii) Commercial Servicing Team
State Bank of India UK As 1.11a.

Only report if the Seller is not one of the exceptions listed. Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect.
Swansea Building Society 11/12 Cradock Street
Swansea
SA1 3EW
01792 739100
Tesco Bank (a trading name of Tesco Personal Finance plc) Contact point as detailed in 1.11b.
The Mortgage Business Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details)
The Mortgage Lender Limited completions@themortgagelender.com

Tel: 0344 257 0426
The Mortgage Works We will not normally lend where there is a sub-sale or back to back transaction or one where the contract for sale is to be assigned to a third party. All circumstances where the seller is not the owner or registered proprietor other than those listed in Part 1 under 5.2.1 should be referred to the issuing office with full details.
The Royal Bank of Scotland plc As detailed above in 1.11a.
The Royal Bank of Scotland plc Direct Line Mortgages As detailed above in 1.11a.
The Royal Bank of Scotland plc Direct Line One As detailed above in 1.11a.
The Royal Bank of Scotland plc First Active  
The Royal Bank of Scotland plc Natwest one Account As detailed above in 1.11a.
The Royal Bank of Scotland plc One Account As detailed above in 1.11a.
The Royal Bank of Scotland plc Virgin One As detailed above in 1.11a.
The Tipton & Coseley Building Society Mortgage Department.
Together Personal Finance Limited Contact point as detailed in 1.11a above.
Topaz Finance Ltd  
TSB Bank plc Applications which involve assignable contracts or irrevocable powers of attorney in favour of intervening sellers are not acceptable. You should also report any other structure to the transaction which has a similar effect (see 1.11a for contact details).
Ulster Bank Ltd As detailed above in 1.11a.
Vida Homeloans As 1.11a
Virgin Money Mortgage Processing
Operations
Virgin Money
Jubilee House
Gosforth
Newcastle upon Tyne
NE3 4PL

or DX 60350 Gosforth

Solicitors Helpline: 0845 604 4858
Whistletree (a trading name of TSB Bank plc) Details as 1.11a
Yorkshire Bank Home Loans Ltd Mortgage Services
PO BOX 3105
Clydebank
Glasgow
G60 9AU
Yorkshire Building Society As1.11a
Zephyr Mortgages As per 1.11