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: 5.20.1. Does the lender require me to report to them where the lease does not meet the UK Finance minimum requirements for leases of roof space for solar PV panels?

Lender Answer
Accord Buy to Let Yes. As 1.11a. For details of additional requirements, see paragraph 5.20.3 below.
Accord Mortgages Ltd Yes -see 1.11a for contact details
Adam & Company  
Adam & Company International  
Ahli United Bank (UK) plc Yes
Aldermore Bank PLC Yes. As 1.11.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Yes – refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc Yes, contact details as per 1.11.
Aviva Equity Release UK Ltd Yes (see 1.11a for contact details).
Bank of Ireland (UK) plc Yes.
Bank of Ireland as Bank of Ireland Mortgages Yes.
Bank of Scotland Beginning A Yes (see 1.11a for contact details).
Bank of Scotland Beginning O Yes (see 1.11a for contact details).
Barclays Bank UK PLC Yes
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes - see 1.11a for details
Birmingham Midshires Yes (see 1.11a for contact details).
Bluestone Mortgages We do not accept properties where solar panels have been installed and are subject to a lease agreement.
Bradford & Bingley Plc  
Britannia, a trading name of The Co-operative Bank plc Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession.
Buckinghamshire Building Society Yes. We will as a minimum require the right to break the lease should the society repossess the property.
Capital Home Loans Yes
Chelsea Building Society (a trading name of Yorkshire BS) Yes -see 1.11a for contact details.
Clydesdale Bank plc Yes (see 1.11a for contact details).
Co-operative Bank plc Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession.
Coutts  
Coutts Finance Co  
Coventry Building Society Yes. As 1.11a. For details of additional requirements see paragraph 5.20.3 below.
Cynergy Bank Yes.
Darlington Building Society Yes
DB UK Bank Ltd Yes
Dudley Building Society Yes, refer to us
Earl Shilton Building Society The Society does not give permission for Solar Panels to be installed under any roof lease schemes.
Refer to Mortgage Dept at Head Office - Earl Shilton 01455 844 422
Ecology Building Society Yes
Family Building Soc (a trading name of National Counties BS) Yes. We require a copy of the lease together with specific details as to how the lease does not meet the UK Finance minimum requirements. See 1.11a for contact details.
Fleet Mortgages See 1.11a. All properties subject to a lease of roof space for solar panels must be reported to us.
Foundation Home Loans Yes. Please refer to 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 Yes, to Securities Department,
Furness Building Society
51-55 Duke Street
Barrow in Furness
Cumbria LA14 1RT
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Yes. As 1.11a. For details of additional requirements see paragraph 5.20.3 below.
Habito Yes
Halifax Yes (see 1.11a for contact details).
Halifax Loans Ltd Yes (see 1.11a for contact details).
Hampden & Co. plc Yes.
Handelsbanken Yes.
Harpenden Building Society Yes
Hinckley and Rugby Building Society Yes. Report to Principal Office, Mortgage Department, Advances Section.
Hodge Equity Release The case cannot proceed if the terms of the lease don’t meet the CML minimum requirements
Hodge Life The case cannot proceed if the terms of the lease don’t meet the CML minimum requirements
Holmesdale Building Society Yes
HSBC UK Bank plc Yes (see 1.11a for contact details).
Intelligent Finance Yes (see 1.11a for contact details).



Investec Bank plc Yes.
ITL Mortgages Yes. As 1.11a. For details of additional requirements, see paragraph 5.20.3 below.
JPMorgan Chase Bank, N.A.  
Kensington Mortgage Company Ltd Kensington requires you to report all leases of roof space and/or air space above for solar PV panels, and before you can proceed you must obtain Kensington's consent to the lease. The lease must meet Kensington's own minimum requirements and we will require the solar panel company to enter into a deed of agreement with Kensington. Kensington's minimum requirements and deed of agreement are available on request. Please ensure that you report the solar panel lease to us and seek to obtain Kensington's consent to the lease at the earliest opportunity and, in any event, prior to exchange of contracts. Please do not proceed until we have confirmed that you may do so.
Kent Reliance (a trading name of OneSavings Bank plc) Yes, together with your advice on how the Bank should proceed although you should take no further steps until we revert to you.
Keystone Property Finance We do not lend on properties that are subject to a lease of roof space for solar panels
Landbay Landbay does not lend on properties that are subject to PV (solar panel )leasing.
Landmark Mortgages Limited Yes.
Leeds Building Society Yes. Please refer to Mortgage Lending Department (please see 1.11a).
We also require confirmation that the solar panel installation and associated lease comply with the requirements as set out in our Solar Panel Pack for Legal Advisors, available at;
http://www.leedsbuildingsociety.co.uk/intermediaries/forms/solicitors/.
Legal & General Home Finance Ltd Properties which are subject to 'Feed in Tariff' leases are not acceptable
LendInvest See 1.11a. All properties subject to a lease of roof space for solar panels must be reported to us.
Lloyds Bank plc pre fixed 20/40 Yes (see 1.11a for contact details).



Lloyds Bank plc pre fixed 50/30/77 Yes (see 1.11a for contact details).
Lloyds TSB Scotland plc Yes (see 1.11a for contact details)
M&S Bank Yes to M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322
Magellan Homeloans Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession
Market Harborough Building Society Yes
Masthaven Bank We do not accept properties where solar panels have been installed and are subject to a lease agreement.
Metro Bank plc We do not accept solar panels that are subject to a lease.
Molo Finance Buy to Let Mortgages We do not lend on properties that are subject to a lease of roof space for solar panels.

You must report the ownership/ lease arrangements for any such panels at the earliest opportunity as the offer will be withdrawn unless the ownership arrangements are acceptable to us and the solar panels are owned outright by the borrower.
Monmouthshire Building Society Yes
Mortgage Agency Services Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession.
Mortgage Express  
National Counties Building Society Yes. We require a copy of the lease together with specific details as to how the lease does not meet the UK Finance minimum requirements. See 1.11a for contact details.
National Westminster Bank plc Yes, you must report this to us as detailed above in 1.11a. We may withdraw our offer if the UK Finance minimum requirements are not met.
Nationwide Building Society Please arrange for a deed of variation to be entered into on or before completion to ensure the UK Finance minimum requirements are met. If this is not possible advise the applicants and the issuing office the UK Finance minimum requirements cannot be met and the case cannot proceed.
Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages New Street requires you to report all leases of roof space and/or air space above for solar PV panels, and before you can proceed you must obtain New Street's consent to the lease. The lease must meet New Street's own minimum requirements and we will require the solar panel company to enter into a deed of agreement with New Street. New Street's minimum requirements and deed of agreement are available on request. Please ensure that you report the solar panel lease to us and seek to obtain New Street's consent to the lease at the earliest opportunity and, in any event, prior to exchange of contracts. Please do not proceed until we have confirmed that you may do so.
NRAM Ltd Yes
Paragon Buy to Let Mortgages We do not lend on properties that are subject to a lease of roof space for solar panels.

You must report the ownership/ lease arrangements for any such panels at the earliest opportunity as the offer will be withdrawn unless the ownership arrangements are acceptable to us and the solar panels are owned outright by the borrower.

Paragon Residential Owner-Occupied Mortgages We do not lend on properties that are subject to a lease of roof space for solar panels. You must report the ownership/lease arrangements for any such panels at the earliest opportunity as the offer will be withdrawn unless the ownership arrangements are acceptable to us and the solar panels are owned outright by the Borrower.
Paratus AMC Ltd Yes. Please refer to 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 Yes
Pepper Money Pepper Money does not accept properties where solar panels have been installed and are subject to a lease agreement. Please notify us at the contact point at 1.11 if solar panels have been installed at the property and the panels are owned outright by the seller or the borrower.
Pepper Money (PUK) Pepper Money does not accept properties where solar panels have been installed and are subject to a lease agreement. Please notify us at the contact point at 1.11 if solar panels have been installed at the property and the panels are owned outright by the seller or the borrower.
Platform (a trading name of The Co-operative Bank p.l.c.) Yes. Please also ensure that we have an unconditional right to break the lease in the event of possession.
Precise Mortgages (Charter Court Financial Services Ltd) Yes - to the Completions Team at the address stated on the mortgage offer/instructions.
Principality Building Society Yes
Rooftop Mortgages Ltd  
Saffron Building Society Yes - refer to 1.11
Sainsbury's Bank The case cannot proceed if the terms of the lease don’t meet the CML minimum requirements.
Santander UK plc Yes. Please refer to the Mortgage Operations office instructing you.
Scottish Widows Bank Yes (see 1.11a for contact details).

Secure Trust Bank PLC Yes. As 1.11
Skipton Building Society All leases must be reported to Completions Department unless the offer confirms we are aware of the lease and we have provided instructions The lease must meet Skipton requirements which may be over and above CML/UK Finance requirements.
State Bank of India UK We do not lend on properties that are subject to a lease of the roof space for solar panels. You must notify us immediately if you become aware of such an arrangement.
Swansea Building Society Yes
Tesco Bank (a trading name of Tesco Personal Finance plc) Yes.
The Mortgage Business Yes (see 1.11a for contact details)
The Mortgage Lender Limited Yes, to the Completions Team at the address stated on the mortgage offer instructions.
The Mortgage Works Please arrange for a deed of variation to be entered into on or before completion to ensure the CML minimum requirements are met. If this is not possible, advise both the issuing office and applicants that the CML minimum requirements cannot be met and the case cannot proceed.
The Royal Bank of Scotland plc Yes, you must report this to us as detailed above in 1.11a. We may withdraw our offer if the UK Finance minimum requirements are not met.
The Royal Bank of Scotland plc Direct Line Mortgages Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc Direct Line One Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc First Active Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc Natwest one Account Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc One Account Yes, you must report this to us as detailed above in 1.11a.
The Royal Bank of Scotland plc Virgin One Yes, you must report this to us as detailed above in 1.11a.
The Tipton & Coseley Building Society Yes.
Together Personal Finance Limited Yes.
Topaz Finance Ltd  
TSB Bank plc Yes (see 1.11a for contact details)
Ulster Bank Ltd Yes, you must report this to us as detailed above in 1.11a. We may withdraw our offer if the UK Finance minimum requirements are not met.
Vida Homeloans You must notify us of the existence of a lease of the roof space and provide the name of the tenant (see 1.11a for contact details). Do not proceed until we have confirmed that you may do so. We do not require a copy of the lease.
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) Yes
Yorkshire Bank Home Loans Ltd Yes (see 1.11a for contact details).
Yorkshire Building Society Yes - see 1.11a for contact details
Zephyr Mortgages Yes (see 1.11a for contact details)