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Banks and Building Societies that currently accept our certificate

(NB.This CML list is being updated,  current list is at http://www.cml.org.uk/cml/handbook then navigate the relevant dropdown boxes)

Lender Answer
Accord Mortgages Ltd Yes, if the building work has been monitored by a professional consultant and provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.
Adam & Company Refer to us in writing. See 1.11
Adam & Company International Refer to us in writing. See 1.11
Ahli United Bank (UK) plc Yes, provided it has been built under the supervision of a qualified architect or surveyor with adequate professional indemnity insurance and you have received documentary evidence to evidence this together with building regulation sign off.
Aldermore Bank PLC Yes, if the building work has been monitored by a professional consultant, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook.We do not have our own form of certificate.
Allied Irish Bank (GB), a trading name of AIB Group (UK) Refer to Legal & Central Securities, GB
Aviva Equity Release UK Ltd Yes.
Bank of Ireland (UK) plc Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.7.4 & 6.7.5 and in the form of Appendix 1) is provided as an alternative.
Bank of Ireland as Bank of Ireland Mortgages Only if a Professional Consultants Certificate (complying with the requirements set out in parts 6.7.4 & 6.7.5 and in the form of Appendix 1) is provided as an alternative.
Bank of Scotland Beginning A Yes, provided there are no more than 15 properties in any one development site and construction is monitored by a suitably qualified professional consultant.We only require this where the property is to be occupied for the first time.
Bank of Scotland Beginning O Yes, provided there are not more than 15 properties in any one development site and the construction is being monitored by a suitably qualified professional.We only require this where the property is to be occupied for the first time.
Barclays Bank as The Woolwich Yes, provided it has been built under the supervision of a qualified Architect, or Surveyor with adequate professional indemnity insurance and you have received documentary evidence to evidence this together with building regulation sign off
Barclays Bank Plc as Standard Life Mortgages No.
Barclays Direct (formerly ING Direct) No.
Barnsley Building Soc, a trading name Yorkshire Building Soc Yes, if the building work has been monitored by a professional consultant and provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.
Basinghall Finance plc Yes, providing you verify the Consultant’s PI cover.
Birmingham Midshires Yes, provided there are no more than 15 properties on any one development site and that this complies with the provisions set out under Part 1 sections 6.6.4, 6.6.5 and 6.6.6.We only require this where the property is to be occupied for the first time.
Bradford & Bingley Plc Yes, provided a Professional Consultant’s certificate has been completed
Britannia, a trading name of The Co-operative Bank plc The matter should be referred to Britannia New Lending Britannia House Leek Staffordshire Moorlands ST13 5RG or Britannia New Lending DX 16351 Leek, who will consider each case on an individual basis.
Capital Home Loans Yes but only if it has the benefit of a professional consultants certificate.
Chelsea Building Society (a trading name of Yorkshire BS) Yes, if the building work has been monitored by a professional consultant, provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.
Cheshire Building Society No
Church House Trust At the moment our mortgage book is closed and we do not currently offer new lending.
Clydesdale Bank plc Yes if there is a Professional Consultants Certificate that complies with the requirements of section 6 of the Lenders’ Handbook.
Co-operative Bank plc No
Coutts & Co Refer to us in writing. See 1.11
Coutts Finance Co Refer to us in writing quoting our reference. See 1.11
Coventry Building Society Yes if an appropriate Professional Consultant’s Certificate is available (a Consultant’s Certificate is not required for properties over 10 years old).
Darlington Building Society No unless the development has been monitored by a professional consultant with acceptable level of professional indemnity insurance.
DB UK Bank Ltd Yes, subject to the professional consultant meeting the requirements detailed
Derbyshire Building Society As 1.11a
Derbyshire Home Loans Yes, provided construction certified by a RIBA Qualified Architect.
Dudley Building Society Yes, if an appropriate Professional Consultants certificate is available.
Dunfermline Building Society We will accept monitoring by a professional consultant but limited to Architects or Architectural Technologists certificate, with suitable indemnity insurance cover
Earl Shilton Building Society Yes if building supervised by a qualified architect or another suitably qualified consultant
Ecology Building Society Yes
Furness Building Society No
GE Money Home Lending Ltd No
Godiva Mortgages Ltd Yes if an appropriate Professional Consultant’s Certificate is available (a Consultant’s Certificate is not required for properties over 10 years old).
Halifax Yes, provided there are no more than 15 properties on any one development site and construction has been monitored by a professional consultant.We only require this where the new property is to be occupied for the first time.
Halifax Loans Ltd Yes, provided there are no more than 15 properties in one development site and that construction has been monitored by a professional consultant.
Harpenden Building Society Refer
Hinckley and Rugby Building Society Refer to Principal Office, Mortgage Department, Advances Section.
Holmesdale Building Society yes when architect supervised and supported by architect certificates.
HSBC Bank plc Where the property does not have the benefit of a New Home Warranty scheme and has been built in the last 10 years then NO we will not proceed.However, for Converted Properties we will proceed providing confirmation is received that the property is subject to full building regulations, planning permissions and completion certificate.CARE for Conversions where FULL STRUCTURAL alterations have occurred then a New Home Warranty scheme should be in place as detailed in Section 2 6.7.1
Intelligent Finance Yes, provided there are no more than 15 properties on any one development site and construction has been monitored by a professional consultant.We only require this where the property is to be occupied for the first time.Please note we do not require monitoring by a professional consultant for newly converted properties.
Investec Bank plc Yes, only if the building work has the benefit of a Professional Consultant’s Certificate. The building work must have been monitored by a qualified architect and/ or surveyor (“relevant professional”) with adequate professional indemnity insurance and the requirements specified in 6.7.4, 6.7.5 and 6.7.6 of Part 1 of the CML Handbook must be met. We will require the Professional Consultant’s certificate which appears at Appendix 1 of the CML Handbook together to be completed and signed by the Relevant Professional prior to Completion.
Irish Permanent International please contact us on Lending Team on 01624 641641 or info@irishpermanentintl.com.
ITL Mortgages No
JPMorgan Chase Bank, N.A. Refer to office issuing Mortgage Instructions.
Kensington Mortgage Company Ltd No.
Kent Reliance (a trading name of OneSavings Bank plc) No unless over 10yrs old
Leeds Building Society No.
Lloyds TSB Bank plc – roll numbers pre-fixed 20/40 Please refer to Mortgage Processing. Please see 1.11.
Lloyds TSB Bank plc- accounts beginning 50000 Please refer to Mortgage Processing. Please see 1.11a
Lloyds TSB Scotland plc Please refer to Mortgage Processing. Please see 1.11a
Magellan Homeloans Not if the home is less than 10 years old
Manchester Building Society Refer to Underwriting Department.
Market Harborough Building Society No
Metro Bank plc No.
Monmouthshire Building Society Yes providing the property is over 2 years old. For conversions we will only require a warranty if specified in the offer conditions.
Mortgage Agency Services Mortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage Express Yes, provided a Professional Consultant’s certificate is completed
Mortgage Express No 2
National Counties Building Society Yes, subject to compliance with the requirements of para 6.7.4 of Part 1 of the CML Lenders’ Handbook.
National Westminster Bank plc Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
Nationwide Building Society i) Yes if an appropriate Professional Consultant’s Certificate is available or
ii)Yes providing the property is over two years old.
For conversions, we will only require a warranty if specified in the Offer conditions.
Nedbank Private Wealth Ltd You must refer to us.
New Life Mortgages Ltd No.
Northern Rock (Asset Management) plc Yes, but you must be satisfied that the work is being monitored/supervised by a professional consultant and completion of an appropriate Professional Consultant’s Certificate.
Paragon Mortgages (2010) Ltd Yes. Where the Property comprises a flat within a building, the Professional Consultant’s Certificate must also be available for all common parts (including the structure) of any building prior to completion of the loan.
Paragon Mortgages Ltd No.
Platform Home Loans Ltd Refer to office issuing Mortgage Instructions.
Precise Mortgages (Charter Court Financial Services Ltd) We do not lend under these circumstances.
Principality Building Society Yes – provided certain criterion is satisfied. You must provide us with details of the particular case in question and await our decision before proceeding with the transaction.
Rooftop Mortgages Ltd Yes providing the consultant’s professional indemnity has been verified.
Saffron Building Society Case specific – please contact Mortgage Team.
Santander UK plc We will only accept properties which have been supervised by professionals who hold one or more of the qualifications listed under Part 1, with the exception of fellow or member of the Architecture and Surveying Institute (FASI or MASI).Where our security comprises of a flat in a converted property of no more than 4 units, but the warranty cannot be provided, this is acceptable provided that all our other requirements stated in the Handbook can be met.
Santander UK plc for Alliance & Leicester mortgages only We will only accept properties which have been supervised by professionals who hold one or more of the qualifications listed under Part 1, with the exception of fellow or member of the Architecture and Surveying Institute (FASI or MASI).Where our security comprises of a flat in a converted property of no more than 4 units, but the warranty cannot be provided, this is acceptable providing that all our other requirements stated in the Handbook can be met.
Scottish Building Society No
Scottish Widows Bank plc We will proceed if the work is being monitored by a Professional Consultant.
Skipton Building Society We will accept monitoring by a professional consultant but limited to Architects or Architectural Technologists Certificate.
St James Place Bank Yes, provided construction is supervised by a professional consultant.We only require this where the property is to be occupied for the first time.
Swansea Building Society Yes if monitored and certified by a qualified and indemnified professional consultant.
Tesco Bank (a trading name of Tesco Personal Finance plc) Please contact us on 0845 051 8446 in this scenario for confirmation of our requirements.
The Mortgage Business Yes, provided there are no more then 15 properties on any one development site and construction has been monitored by a professional consultant.
We only require this where the property is to be occupied for the first time.
The Mortgage Works Yes, provided a professional consultants certificate is available with suitable indemnity insurance
The Royal Bank of Scotland plc Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
The Royal Bank of Scotland plc Direct Line Mortgages Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
The Royal Bank of Scotland plc Direct Line One Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
The Royal Bank of Scotland plc First Active Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
The Royal Bank of Scotland plc Natwest one Account Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
The Royal Bank of Scotland plc One Account Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
The Royal Bank of Scotland plc Virgin One Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
The Tipton & Coseley Building Society No.
Topaz Finance plc Please refer to HML Address and telephone number on Offer of Advance.
TSB plc Please refer to Mortgage Processing. Please see 1.11a
UCB Home Loans Corporation Ltd Yes provided all standard requirements in 6.6.4 are met.
Ulster Bank Ltd Yes but the building work must be monitored or (if completed) have been monitored by a professional consultant and the professional consultant has provided the Professional Consultant’s Certificate in the CML form.
Virgin Money plc Yes, but you must be satisfied that the work is being monitored/supervised by a professional consultant and an appropriate Professional Consultant’s Certificate must be provided.
Yorkshire Bank Home Loans Ltd Yes if there is a Professional Consultant’s Certificate that complies with the requirements of Section 6 of the Lenders’ Handbook.
Yorkshire Building Society Yes, if the building work has been monitored by a professional consultant and provided any certificate given by a professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook. We do not have our own form of certificate.

 

 

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