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: 5.7.1. If the lender is prepared to accept a title falling within 5.7 and the property is a freehold flat or flying freehold, to which contact point must this be reported?

Lender Answer
Accord Buy to Let Not Applicable.
Accord Mortgages Ltd As 1.11a
Adam & Company See 1.11
Adam & Company International See 1.11


Ahli United Bank (UK) plc N/A
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 There is no need to report to the lender providing the conditions listed within 5.7 can be met.
For any other cases or where clarification is required, please refer to Mortgages Team, as per 1.11.
Aviva Equity Release UK Ltd See 1.11
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 Bank of Scotland Plc, Mortgage Operations, Pentland House, 8 Lochside Avenue, Edinburgh, EH12 9DJ. Tel: 0345 603 1136 Fax: 0131 339 2366
Bank of Scotland Beginning O Address and telephone number on the Mortgage Offer.
Barclays Bank UK PLC Issuing Office
Barnsley Building Soc, a trading name Yorkshire Building Soc As 1.11a.
Birmingham Midshires Completions Team at office issuing mortgage instructions. See Offer for contact details.
Bluestone Mortgages As per 1.11.
Bradford & Bingley Plc As 1.11a
Britannia, a trading name of The Co-operative Bank plc Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX 16351 Leek. Telephone and Fax numbers as shown on the letter enclosing the Offer of Advance
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
G60 9AU
Tel - 0800 121 4203
Co-operative Bank plc The Co-operative Bank New Lending, Britannia House, Leek, Staffordshire Moorlands ST13 5RG or The Co-operative Bank New Lending DX16351 LEEK.
Tel No: 08000 288 288
Coutts See 1.11
Coutts Finance Co See 1.11
Coventry Building Society New Lending Department, Godiva House,
Binley Business Park,
Harry Weston Road,
Coventry,
CV3 2TQ.
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
Tel: 0845 650 6281
DX Address - not available
Dudley Building Society As 1.11a
Earl Shilton Building Society Refer to Mortgage Dept at Head Office - Earl Shilton 01455 844 422
Ecology Building Society As 1.7
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 11.1a
Foundation Home Loans Queries relating to flying freehold only should be directed 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 As 1.11a
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd New Lending Department, Godiva House,
Binley Business Park,
Harry Weston Road,
Coventry,
CV3 2TQ.
Habito as per 1.11
Halifax Customer Service Centre (see offer for address and fax number)
Halifax Loans Ltd Mortgage Helpdesk, Mortgage Operations, Trinity Road, Halifax, HX1 2RG
Hampden & Co. plc See 1.11
Handelsbanken Refer to Branch office instructing you.
Harpenden Building Society As 1.11a
Hinckley and Rugby Building Society Principal Office, Mortgage Department, Advances Section.
Hodge Equity Release As per 1.11a
Hodge Life as per 1.11a
Holmesdale Building Society Lender.
HSBC UK Bank plc Mortgage Services, PO Box 6308, Coventry, CV3 9LB Telephone Number 0370 6007722 Fax Number 0370 2438800
Intelligent Finance Securities, Intelligent Finance, PO Box 890, Leeds, LS1 9UG


Investec Bank plc Please contact the member of Banking Legal or PBLO notified to you in the Transaction Instructions.
ITL Mortgages New Lending Department, Godiva House,
Binley Business Park,
Harry Weston Road,
Coventry,
CV3 2TB.
JPMorgan Chase Bank, N.A. 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) Provided only part of the subject property is affected by a flying freehold and the requirements of part 1 paragraphs 5.7.2 are adhered to there is no requirement to report
Keystone Property Finance As 1.11a
Landbay N/A - not acceptable
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 Mortgage Processing. Please see 1.11.
Lloyds Bank plc pre fixed 50/30/77 Mortgage Processing. Please see 1.11a
Lloyds TSB Scotland plc Mortgage Processing. Please see 1.11a
M&S Bank We will only accept freehold flats where the security will compromise the freehold of the full building within which the flat is contained or where the legal arrangements for freehold flats are satisfactory and accepted in the local market (for example, Scotland)
Magellan Homeloans Magellan Homeloans
Ashcombe House
5 The Crescent
Leatherhead,
Surrey,
KT22 8DY
Manchester Building Society Underwriting Department.
Market Harborough Building Society As per 1.7
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 Lending Operations Department
Monmouthshire Building Society
Monmouthshire House
John Frost Square
Newport
NP20 1PX
Mortgage Agency Services Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage Express As 1.11a
Mortgage Express No 2  
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 Issuing Office
Nedbank Private Wealth Ltd You must refer 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 As 1.11a.
Paragon Residential Owner-Occupied Mortgages As 1.11a.
Paratus AMC Ltd Queries relating to flying freehold only should be directed 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 As 1.7
Pepper Money Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money
Pepper Money (PUK) Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money
Platform (a trading name of The Co-operative Bank p.l.c.) Refer to office issuing Mortgage Instructions.
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 n/a
Saffron Building Society As 1.11
Sainsbury's Bank Provided that our requirements in 5.7.1a and/or 5.7.1b above are satisfied, there is no need to report this to us.
Santander UK plc Refer to Mortgage Operations office instructing you.
Scottish Building Society  
Scottish Widows Bank New Business Processing (see 1.11a).
Secure Trust Bank PLC As 1.11
Skipton Building Society Completions Team.
St James Place Bank Mortgage Administration, St James's Place Bank, Administration Centre, PO Box 1869, Livingston EH54 7XS
State Bank of India UK 1.11a.
Swansea Building Society 11/12 Cradock Street
Swansea
SA1 3EW
01792 739100
Tesco Bank (a trading name of Tesco Personal Finance plc) Provided that our requirements in 5.7.1a and/or 5.7.1b above are satisfied, there is no need to report this to us.
The Mortgage Business The Mortgage Business, PO Box 548, Leeds LS1 1WU. Fax no. 0845 6039009
The Mortgage Lender Limited completions@themortgagelender.com

Tel: 0344 257 0426
The Mortgage Works Originations
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 As detailed above in 1.11a
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 Completions Team
Together Personal Finance Limited
1st Floor, Lake View
Lakeside
Cheadle
Cheshire
SK8 3GW
Email: completions@togethermoney.com
Tel: 0161-933-7042 (ask for Completions team)
Topaz Finance Ltd Topaz Finance Limited
Gateway House, Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
0345 389 1672
TSB Bank plc Mortgage Processing. Please see 1.11a
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
Tel - 0800 121 4203
Yorkshire Building Society As 1.11a.
Zephyr Mortgages Topaz Finance Limited
Gateway House, Gargrave Road,
Skipton,
North Yorkshire,
BD23 2HL
0345 389 1672