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Question: 5.20.3. Does the lender have additional requirements relating to leases of roof space for solar PV panels, and if so, what are they?

Lender Answer
Accord Buy to Let Yes. Please ensure that the requisite break clause includes a provision that, where the lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Accord Mortgages Ltd Yes. Please ensure that the requisite break clause includes a provision that, where the lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Adam & Company  
Adam & Company International  
Ahli United Bank (UK) plc Please refer to Central Administration Unit
Aldermore Bank PLC 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.

For post completion requests, the borrower should be advised to ask the energy provider to correspond with Aldermore at the address shown in 14.2.1, using the CML/BSA template letter.
Allied Irish Bank (GB), a trading name of AIB Group (UK) No
Atom Bank plc Yes the minimum CML requirements must be met. In addition the lease must contain a valid mortgagee break right which is exercisable on possession.

The cost of removing the equipment and making good any damage must be met by the Tenant. The mortgagee will not be liable for any breach of the Landlord's covenants before or during the repossession period or any loss of income caused as a result of disconnection of the electricity supply.

Please arrange for a Deed of Variation to be entered into on or before completion to ensure our requirements are met. If this is not possible advise the applicants and us that the requirements cannot be met and the case cannot proceed.

You must notify us of the existence of a lease of the roof space and contact us for further instructions (see 1.11a for contact details). We require a copy of the lease for information purposes.
Aviva Equity Release UK Ltd If the Property is subject to a registered lease of roof space for solar PV panels we require you to confirm that the lease contains a valid mortgagee break right, which is capable of exercise by us in the event of a repossession
Bank of Ireland (UK) plc No.
Bank of Ireland as Bank of Ireland Mortgages No.
Bank of Scotland Beginning A  
Bank of Scotland Beginning O  
Barclays Bank UK PLC No
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes.Please ensure that the requisite break clause includes a provision that, where the lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Birmingham Midshires  
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, all leases 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. Please ensure that the requisite break clause includes a provision that, where the lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Clydesdale Bank plc 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.
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, the minimum handbook requirements must be met. In addition the lease must contain a valid mortgagee break right which is exercisable on possession. The cost of removing the equipment and making good any damage must be met by the Tenant. The mortgagee will not be liable for any breach of the Landlord's covenants before or during the repossession period or any loss of income caused as a result of disconnection of the electricity supply. Please arrange for a Deed of Variation to be entered into on or before completion to ensure our requirements are met. If this is not possible advise the applicants and us that the requirements cannot be met and the case cannot proceed.
Cynergy Bank No.
Darlington Building Society The installer must be certified by the Microgeneration Certification Scheme, a copy certificate should be provided.
We require sight of all planning permissions and structural surveys.
DB UK Bank Ltd The minimum CML requirements must be met. For post completion requests, the borrower should be advised to ask the energy provider to correspond with db mortgages at db mortgages, PO Box 890,Newport,NP20 9LZ using the CML minimum requirements template
Dudley Building Society The minimum CML/UK Finance requirements must be met.
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 No
Family Building Soc (a trading name of National Counties BS) Yes. The additional requirements are (1) that the buildings insurer has been notified of the installation of the solar panel equipment; (2) that all appropriate consents referred to in paragraph 5 of the UK Finance template letter have been obtained; and (3) a copy of the solar panel lease is provided to us on completion together with the title deeds. See 1.11a for contact details.
Fleet Mortgages Please see 5.20.1 above.
Foundation Home Loans No.
Furness Building Society Please contact the Securities Department as 5.20.1
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Yes, the minimum handbook requirements must be met. In addition the lease must contain a valid mortgagee break right which is exercisable on possession. The cost of removing the equipment and making good any damage must be met by the Tenant. The mortgagee will not be liable for any breach of the Landlord's covenants before or during the repossession period or any loss of income caused as a result of disconnection of the electricity supply.Please arrange for a Deed of Variation to be entered into on or before completion to ensure our requirements are met. If this is not possible advise the applicants and us that the requirements cannot be met and the case cannot proceed.
Habito Accepted, The minimum UK Finance requirements must be met and providing no lease agreement exists.
Halifax  
Halifax Loans Ltd  
Hampden & Co. plc Yes. Please ensure that the requisite break clause includes a provision that, where the lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Handelsbanken Yes. Please ensure that the requisite break clause includes a provision that, where the lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Harpenden Building Society 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.
Hinckley and Rugby Building Society The minimum CML requirements must be met.
For post-completion requests, the borrower must be advised to instruct the energy provider to write to Principal Office, Mortgage Department using the CML minimum requirements template.
Hodge Equity Release The minimum UK Finance requirements must be met. In addition, the lease must provide a valid mortgagee break clause which can be exercised on possession. The costs of removing the Solar PV Panels and making good any damage on exercise of the break clause must be the responsibility of the Solar PV Panels provider.
If the lease does not meet the minimum requirements referred to above we will not lend but please advise us if this is the case so we may close our file.
You must not submit your Certificate of Title to us unless you are satisfied that UK Finance's minimum requirements have been satisfied.
Hodge Life The minimum UK Finance requirements must be met. In addition, the lease must provide a valid mortgagee break clause which can be exercised on possession. The costs of removing the Solar PV Panels and making good any damage on exercise of the break clause must be the responsibility of the Solar PV Panels provider.
If the lease does not meet the minimum requirements referred to above we will not lend but please advise us if this is the case so we may close our file.
You must not submit your Certificate of Title to us unless you are satisfied that UK Finance's minimum requirements have been satisfied.

Holmesdale Building Society No we use the CML minimum requirements.
HSBC UK Bank plc You must notify us of the existence of a lease of the roof space and contact us for further instructions (see 1.11a for contact details). We require a copy of the lease for information purposes.
Intelligent Finance  
Investec Bank plc No.
ITL Mortgages Yes, the minimum handbook requirements must be met. In addition the lease must contain a valid mortgagee break right which is exercisable on possession. The cost of removing the equipment and making good any damage must be met by the Tenant. The mortgagee will not be liable for any breach of the Landlord's covenants before or during the repossession period or any loss of income caused as a result of disconnection of the electricity supply.Please arrange for a Deed of Variation to be entered into on or before completion to ensure our requirements are met. If this is not possible advise the applicants and us that the requirements cannot be met and the case cannot proceed.
JPMorgan Chase Bank, N.A.  
Kensington Mortgage Company Ltd Kensington will not lend on a property subject to a lease of the roof space/air space for solar PV panels unless the lease meets Kensington's minimum requirements and the solar panel enters into a deed of agreement with Kensington. Please ensure that you seek to obtain our consent to the lease at the earliest opportunity and, in any event, prior to exchange of contracts. If the terms of the lease and/or deed of agreement cannot be agreed, then any mortgage offer may be withdrawn. You should ensure that your client is fully aware of this.
Kent Reliance (a trading name of OneSavings Bank plc) The minimum CML requirements must be met. In addition, the lease must provide a valid mortgagee break clause which can be exercised on possession. The costs of removing the Solar PV Panels and making good any damage on exercise of the break clause must be the responsibility of the Solar PV Panels provider.
Keystone Property Finance N/A
Landbay N/A
Landmark Mortgages Limited Yes,
1. The terms of the insurance policy under which the solar panel equipment is insured must:
a) cover loss arising from any damage to the Property or any damage to third party property or third party injury caused by the installation of the equipment;
b) cover loss arising from any damage to the Property or any damage to third party property or injury caused by defects in the equipment;
c) have a minimum amount of cover of £2,000,000.00;
d) contain no onerous or unreasonable exclusions;
e) have an excess not exceeding £250.00

2. The consent of the buildings insurer must be obtained to the installation of the equipment.

3. Where the Property is leasehold the written consent of the immediate landlord must be obtained to the installation of the equipment.

4. The solar panel lease must contain a reference to the Landlord's warning notice, a reference to the Tenant's statutory declaration and the parties' agreement that sections 24 to 28 of the Landlord and Tenant Act 1954 are to be excluded.
Leeds Building Society The minimum UK Finance requirements must be met. In addition, the lease must provide a valid mortgagee break clause which can be exercised on possession. The costs of removing the Solar PV Panels and making good any damage on exercise of the break clause must be the responsibility of the Solar PV Panels provider.
The building insurer must also be notified of the installation of the Solar PV Panels.
Legal & General Home Finance Ltd Properties which are subject to 'Feed in Tariff' leases are not acceptable
LendInvest Please see 5.20.1 above
Lloyds Bank plc pre fixed 20/40  
Lloyds Bank plc pre fixed 50/30/77  
Lloyds TSB Scotland plc  
M&S Bank You must notify us of the existence of a lease of the roof space and contact us for further instructions at M&S Bank, PO Box 12, Skipton, BD23 2HL. Telephone Number 0345 002 1128 Fax 0345 111 0322. we require a copy of the lease for information purposes
Magellan Homeloans Yes. Please ensure that the requisite break clause includes a provision that, where the lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Market Harborough Building Society If the property is subject to a registered lease of roof space for solar pv panels we require you to confirm that the lease contains a valid mortgagee break right which is capable of exercising by us in the event of a repossession.

Where the property is leasehold confirmation must be obtained from the landlord that they have provided their consent to the installation of the equipment.

Confirmation from the borrower that they have advised their buildings insurance company of the installation of the equipment.
Masthaven Bank We do not accept properties where solar panels have been installed and are subject to a lease agreement.
Metro Bank plc As per 5.20.1
Molo Finance Buy to Let Mortgages Not applicable. Please see answer to 5.20.1.
Monmouthshire Building Society If the property is subject to a registered lease of roof space for solar pv panels we require you to confirm that the lease contains a valid mortgagee break right which is capable of exercising by us in the event of a repossession.

Where the property is leasehold confirmation must be obtained from the landlord that they have provided their consent to the installation of the equipment.

Confirmation from the borrower that they have advised their buildings insurance company of the installation of the equipment.

We require a letter from the PV Panel Provider as per the CML/BSA template letter March 2013 edition.
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. The additional requirements are (1) that the buildings insurer has been notified of the installation of the solar panel equipment; (2) that all appropriate consents referred to in paragraph 5 of the UK Finance template letter have been obtained; and (3) a copy of the solar panel lease is provided to us on completion together with the title deeds. See 1.11a for contact details.
National Westminster Bank plc We require you to obtain confirmation of the existing lender's consent.
Nationwide Building Society The minimum UK Finance requirements must be met. For post completion requests, the borrower should be advised to ask the energy provider to correspond with Nationwide, Mortgage Servicing DX12500 using the UK Finance minimum requirements template.



Nedbank Private Wealth Ltd You must refer to us.
New Street Mortgages New Street will not lend on a property subject to a lease of the roof space/air space for solar PV panels unless the lease meets New Street's minimum requirements and the solar panel enters into a deed of agreement with New Street. Please ensure that you seek to obtain our consent to the lease at the earliest opportunity and, in any event, prior to exchange of contracts. If the terms of the lease and/or deed of agreement cannot be agreed, then any mortgage offer may be withdrawn. You should ensure that your client is fully aware of this.
NRAM Ltd Yes.
1.The terms of the insurance policy under which the solar panel equipment is insured must;
(a)cover loss arising from any damage to the Property or any damage to the third party property or third party injury caused by the installation of the equipment;
(b)cover loss arising from any damage to the Property or any damage to third party property or injury caused by defects in the equipment;
(c) have a minimum amount of cover of £2,000,000.00;
(d)contain no onerous or unreasonable exclusions;
(e) have an excess not exceeding £250.00

2. The consent of the buildings insurer must be obtained to the installation of the equipment.

3. Where the Property is leasehold the written consent of the immediate landlord must be obtained in the installation of the equipment.

4. The solar panel lease must contain a reference to the Landlord's warning notice, a reference to the Tenant's statutory declaration and the parties' agreement that sections 24 to 28 of the Landlord and Tenant Act 1954 are to be excluded.
Paragon Buy to Let Mortgages Not applicable. Please see answer to 5.20.1.
Paragon Residential Owner-Occupied Mortgages Not applicable. Please see answer to 5.20.1.
Paratus AMC Ltd No.
Parity Trust Refer to 1.7
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) No additional requirements – we are happy to lend provided the CML Minimum Requirements are met.
Principality Building Society See UK Finance's minimum requirements on the UK Finance website.
If the lease does not meet the minimum requirements referred to above we will not lend but please advise us if this is the case so we may close our file.

You must not submit your Certificate of Title to us unless you are satisfied that UK Finance's minimum requirements have been satisfied.

Post completion requests are subject to different criteria and should be referred to the Mortgage Admin Team at the address detailed in 1.11a
Rooftop Mortgages Ltd  
Saffron Building Society 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.

If the property is subject to a registered lease of roof space for solar PV panels, we require you to confirm that the lease contains a valid mortgagee break right, which is capable of exercise by us in the event of a repossession.
Sainsbury's Bank Yes. Please ensure that the requisite break clause includes a provision that, where the lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Santander UK plc You must notify the Mortgage Operations office instructing you of the existence of a lease of the roof space and provide the name of the tenant.
Scottish Widows Bank  
Secure Trust Bank PLC 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.

For post completion requests, the borrower should be advised to ask the energy provider to correspond with the Bank at the address shown in 14.2.1, using the CML/BSA template letter.
Skipton Building Society Yes, these will be notified if necessary when a roof lease is reported to us. If you become aware of a roof lease, please do not proceed further without our specific instructions.
State Bank of India UK N/A – see answer to 5.20.1.
Swansea Building Society No
Tesco Bank (a trading name of Tesco Personal Finance plc) No.
The Mortgage Business  
The Mortgage Lender Limited The minimum UK Finance requirements must be met. In addition, the lease must provide a valid mortgagee break clause which can be exercised on possession. The costs of removing the Solar PV Panels and making good any damage on exercise of the break clause must be the responsibility of the Solar PV Panels provider.
The building insurer must also be notified of the installation of the Solar PV Panels.
The Mortgage Works The minimum CML requirements must be met. For post completion requests the borrower should be advised to ask the energy provider to correspond with TMW Mortgage Servicing Portman House Richmond Hill Bournemouth BH2 6EP using the CML requirements template
The Royal Bank of Scotland plc We require you to obtain confirmation of the existing lender's consent.
The Royal Bank of Scotland plc Direct Line Mortgages We require you to obtain confirmation of the existing lender's consent.
The Royal Bank of Scotland plc Direct Line One We require you to obtain confirmation of the existing lender's consent.
The Royal Bank of Scotland plc First Active We require you to obtain confirmation of the existing lender's consent.
The Royal Bank of Scotland plc Natwest one Account We require you to obtain confirmation of the existing lender's consent.
The Royal Bank of Scotland plc One Account We require you to obtain confirmation of the existing lender's consent.
The Royal Bank of Scotland plc Virgin One We require you to obtain confirmation of the existing lender's consent.
The Tipton & Coseley Building Society Yes - please contact on an individual basis.
Together Personal Finance Limited Yes - standard letter to be signed by Solar Panel Company and will be provided on request.
Topaz Finance Ltd  
TSB Bank plc 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.
Ulster Bank Ltd We require you to obtain confirmation of the existing lender's consent.
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 We need you to confirm in writing that the lease contains a valid mortgagee break right, which we can exercise if we take possession of the property. Send this confirmation to:

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,
1. The terms of the insurance policy under which the solar panel equipment is insured must:
a) cover loss arising from any damage to the Property or any damage to third party property or third party injury caused by the installation of the equipment;
b) cover loss arising from any damage to the Property or any damage to third party property or injury caused by defects in the equipment;
c) have a minimum amount of cover of £2,000,000.00;
d) contain no onerous or unreasonable exclusions;
e) have an excess not exceeding £250.00

2. The consent of the buildings insurer must be obtained to the installation of the equipment.

3. Where the Property is leasehold the written consent of the immediate landlord must be obtained to the installation of the equipment.

4. The solar panel lease must contain a reference to the Landlord's warning notice, a reference to the Tenant's statutory declaration and the parties' agreement that sections 24 to 28 of the Landlord and Tenant Act 1954 are to be excluded.
Yorkshire Bank Home Loans Ltd 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.
Yorkshire Building Society Yes. Please ensure that the requisite break clause includes a provision that, where a lender terminates the lease, the costs of removing the solar PV panels and making good any damage are expressly the responsibility of the solar PV provider.
Zephyr Mortgages