LenderAnswer
Accord Buy to LetYes, 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.
Accord Mortgages LtdYes, 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 & CompanyRefer to us in writing. See 1.11
Adam & Company InternationalRefer to us in writing. See 1.11
Ahli United Bank (UK) plcYes, 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 PLCYes, provided there are no more than 15 properties in the development and the building work has been monitored by a professional consultant, providing a certificate that meets the requirements of 6.7.4 and 6.7.5.

We do not have our own form of certificate.
Allied Irish Bank (GB), a trading name of AIB Group (UK)Refer to AIB Group (UK) plc, Central Securities (GB), 92 Anne Street, Belfast, BT1 3H
Atom Bank plcWhere the property does not have the benefit of a New Home Warranty scheme or suitable alternative as listed in 6.7.1 and has been built in the last 10 years then 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

Where clarification is required, please refer to Mortgage Completions Team, as per 1.11.
Aviva Equity Release UK LtdYes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance of at least £1 million and the professional consultant has provided the Professional Consultant’s Certificate in the format set by the CML. A retrospective Professional Consultant’s Certificate will not be accepted.
Bank of ChinaNo.
Bank of Ireland (UK) plcOnly 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 MortgagesOnly 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 AYes, 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 OYes, 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 UK PLCYes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance and the professional consultant has provided the Professional Consultant’s Certificate in the format set by the CML.
Barnsley Building Soc, a trading name Yorkshire Building SocYes, 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.
Birmingham MidshiresYes, 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.
Bluestone MortgagesNo.
Bradford & Bingley PlcYes, provided a Professional Consultant’s certificate has been completed
Britannia, a trading name of The Co-operative Bank plcThe 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.
Buckinghamshire Building SocietyNo
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.
CHL MortgagesYes, but only if it has the benefit of a suitable professional consultant’s certificate
Clydesdale Bank plcYes if there is a Professional Consultants Certificate that complies with the requirements of section 6 of the Lenders’ Handbook.
Co-operative Bank plcNo
CouttsRefer to us in writing. See 1.11
Coutts Finance CoRefer to us in writing quoting our reference. See 1.11
Coventry Building SocietyYes if an appropriate Professional Consultant’s Certificate is available (a Consultant’s Certificate is not required for properties over 10 years old).
Cynergy BankRefer to Mortgage Fulfilment Team as per 1.11.b
Danske Bank UKYes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance and the professional consultant has provided the Professional Consultant’s Certificate in the format set out to the appendix to this Handbook.
Darlington Building SocietyNo (see 6.7.6 below) unless the development has been monitored by a Professional Consultant with acceptable level of professional indemnity insurance and has suitable qualifications. Please refer to Customer Support – Principal Office.
DB UK Bank LtdYes, subject to the professional consultant meeting the requirements detailed
Dudley Building SocietyYes, if an appropriate Professional Consultants certificate is available.
Ecology Building SocietyYes
Family Building Soc (a trading name of National Counties BS)Yes, subject to compliance with the requirements of para 6.7.4 of Part 1 of the UK Finance Mortgage Lenders’ Handbook.
First DirectWhere 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
Fleet MortgagesYes, but the building work must be monitored or (if completed) have been monitored during construction by a professional consultant holding a qualification listed in section 6.7.4. The professional consultant must have provided the Professional Consultant’s Certificate in the format set out by UK Finance and our conveyancer must check it is compliant with 6.7.4 and 6.7.5. A retrospective Professional Consultant’s Certificate will not be accepted.

Where the Property comprises a flat within a building, the Professional Consultants Certificate must also be available for all common parts (including the structure) of any building prior to completion of the loan.
Foundation Home Loans
Yes, but the building work must be monitored or (if completed) have been monitored during construction by a professional consultant holding a qualification listed in section 6.7.4. The professional consultant must have provided the Professional Consultant’s Certificate in the format set out by UK Finance and it must be compliant with 6.7.4 and 6.7.5.

A retrospective Professional Consultant’s Certificate is not acceptable.

Where the Property comprises a flat within a building, the Professional Consultants Certificate must also cover all common parts (including the structure) of the building and must be available prior to completion of the loan.
Furness Building SocietyNo
GE Money Home Lending LtdGE Money Home Lending has withdrawn from the UK mortgage market.
Generation HomeWe normally do not lend, however, please report to us as detailed in 1.11a if the property does not benefit from a new home warranty scheme but will before exchange or does already benefit from a Professional Consultant’s Certificate in the CML form.
Godiva Mortgages LtdYes if an appropriate Professional Consultant’s Certificate is available (a Consultant’s Certificate is not required for properties over 10 years old).
HabitoYes, but the building work must be monitored or (if completed) have been monitored by a professional consultant with adequate professional indemnity insurance and the professional consultant has provided the Professional Consultant’s Certificate in the format set by UK Finance.
HalifaxYes, 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 LtdYes, provided there are no more than 15 properties in one development site and that construction has been monitored by a professional consultant.
Hampden & Co. plcRefer to us in writing. See 1.11.
HandelsbankenYes, but the building work must be monitored or (if completed) have been monitored by a professional consultant who holds 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) or AssocRICS, and the professional consultant has provided the Professional Consultant’s Certificate in the CML form (the date of issue must be confirmed before exchange of contracts).

An Architects certificate is available along with confirmation that the certificate is for the benefit of the borrower; building regulation sign off is obtained; and Professional indemnity insurance is obtained.

Where the Property comprises a flat within a building, the Professional Consultants Certificate must also be available for all common parts (including the structure) of any building prior to the completion of the loan.
Harpenden Building SocietyRefer to Mortgage Department
Harpenden Building Society
Mardall House
9-11 Vaughan Road
Harpenden, Herts
AL5 4HU
Hinckley and Rugby Building SocietyRefer to Principal Office, Mortgage Department, Advances Section.
HodgeYes – providing certain criteria is satisfied – please review the requirements below.

You must check and confirm the following points to us in writing and await our written confirmation that you may proceed with the case:

1. That the professional consultant has the appropriate experience referred to in 6.7.4 above (Part 1) and,
2. That the professional consultant has one or more of the qualifications referred to in 6.7.4 above (Part 1) and,
3. That the level of indemnity insurance in place is appropriate as detailed in 6.7.5.

You must NOT submit your COT until we have been provided with all the information requested in points 1 -3 above and confirmed to you in writing that the case may proceed despite the absence of a new home warranty.
Hodge Equity ReleaseYes – providing certain criteria is satisfied – please review the requirements below.

You must check and confirm the following points to us in writing and await our written confirmation that you may proceed with the case:

1. That the professional consultant has the appropriate experience referred to in 6.7.4 above (Part 1) and,
2. That the professional consultant has one or more of the qualifications referred to in 6.7.4 above (Part 1) and,
3. That the level of indemnity insurance in place is appropriate as detailed in 6.7.5.

You must NOT submit your COT until we have been provided with all the information requested in points 1 -3 above and confirmed to you in writing that the case may proceed despite the absence of a new home warranty.
Holmesdale Building Societyyes when architect supervised and supported by architect certificates.
HSBC UK Bank plcWhere 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 FinanceYes, 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 plcOnly in certain circumstances. Please refer individual cases. See 1.11
ITL MortgagesYes if an appropriate Consultant’s Certificate is available (a Consultant’s Certificate is not required for properties over 10 years old).
JPMorgan Chase Bank, N.A.Refer to office issuing Mortgage Instructions.
Kensington Mortgage Company LtdYes, 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 UK Finance Handbook must be met. We will require the Professional Consultant’s certificate which appears at Appendix 1 of the UK Finance Handbook together to be completed and signed by the Relevant Professional prior to Completion.
Kent Reliance (a trading name of OneSavings Bank plc)Yes subject to receipt of a satisfactory Professional Consultant’s Certificate with proof of Professional Indemnity Insurance.

The Bank will not accept a retrospective Professional Consultants Certificate. However should there be a particular point to draw to the Bank’s attention you are advised to email completions@krbs.com for further consideration.
Keystone Property FinanceMay be considered provided that a professional consultant’s certificate is available, and a copy has been sent to us prior to exchange of contracts in the case of a purchase or before completion in the case of a remortgage
LandbayNo
Landmark Mortgages LimitedYes, 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.
Leeds Building SocietyYes, we will proceed whereby:

• A Professional Consultants Certificate is available and such certificate meets the requirements of 6.7.1 above and the appendix to the Handbook;
• An Architects certificate is available along with confirmation that the certificate is for the benefit of the borrower;
• Building Regulations sign off has been obtained; and
• Professional Indemnity Insurance is obtained.
Legal & General Home Finance LtdYes.
LendInvestNo
LiveMore CapitalYes providing the property was built under the supervision of a person with one of the following qualifications listed in Section 6.7.4 and provided they have suitable PI cover in force.
Lloyds Bank plc pre fixed 20/40Please refer to Mortgage Processing. Please see 1.11.
Lloyds Bank plc pre fixed 50/30/77Please refer to Mortgage Processing. Please see 1.11a
Lloyds TSB Scotland plcPlease refer to Mortgage Processing. Please see 1.11a
M&S BankWhere 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.
Magellan HomeloansIf the property was built in the last 10 years a new home warranty will be required.
Manchester Building SocietyRefer to Underwriting Department.
Market Harborough Building SocietyNo
Masthaven BankOnly if the building work has been monitored by a professional consultant and provided any certificate given by the professional consultant meets the requirements of 6.7.4 and the appendix to the Handbook.
Metro Bank plcNo
Molo Finance Buy to Let MortgagesIf the property does not benefit from a new home warranty, we will consider a Professional Consultant’s Certificate.
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.
Monmouthshire Building SocietyYes 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.
Mortgage Agency ServicesMortgage Agency Services PO Box 138 Plymouth Devon PL1 1XY
Mortgage ExpressYes, provided a Professional Consultant’s certificate is completed
Mortgage Express No 2 
MPowered MortgagesYes. Provided that a UK Finance-compliant Professional Consultants Certificate(PCC) is available. A copy must be sent to us prior to exchange of contracts in the case of a purchase or before completion in the case of a remortgage.
National Counties Building SocietyYes, subject to compliance with the requirements of para 6.7.4 of Part 1 of the UK Finance Mortgage Lenders’ Handbook.
National Westminster Bank plcYes 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. In addition you must confirm the Certificate was issued prior to exchange of contracts.
Nationwide Building Societyi) Yes if an appropriate Professional Consultant’s Certificate is available or
ii)Yes providing the property is over two years old.
Nedbank Private Wealth LtdYou must refer to us.
New Street MortgagesYes, 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.
NRAM LtdYes, 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 Buy to Let MortgagesYes. 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 Residential Owner-Occupied MortgagesYes. Where the Property comprises a flat within a building, the Professional Consultants Certificate must also be available for all common parts (including the structure) of any building prior to completion of the loan.
Paratus AMC LtdYes, but the building work must be monitored or (if completed) have been monitored during construction by a professional consultant holding a qualification listed in section 6.7.4. The professional consultant must have provided the Professional Consultant’s Certificate in the format set out by UK Finance and it must be compliant with 6.7.4 and 6.7.5.

A retrospective Professional Consultant’s Certificate is not acceptable.

Where the Property comprises a flat within a building, the Professional Consultants Certificate must also cover all common parts (including the structure) of the building and must be available prior to completion of the loan.
Parity TrustRefer to 1.7
Pepper MoneyNo
Pepper Money (PUK)No
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)Only if there is a Professional Consultants Certificate. The issuing architect should have minimum professional indemnity insurance equivalent to the greater of £500,000 or the property value. The qualifications required are set out in 6.7.4 Part 1. We will not accept a retrospective Professional Consultants Certificate. However should there be a particular point to draw to our attention you should contact us (see 1.11a).
Principality Building SocietyYes – providing certain criteria is satisfied – please review the requirements below.

You must check and confirm the following points to us in writing and await our written confirmation that you may proceed with the case:

1. That the building work has been monitored by a professional consultant and,
2. That the professional consultant has the appropriate experience referred to in 6.7.4 above (Part 1) and,
3. That the professional consultant has one or more of the qualifications referred to in 6.7.4 above (Part 1) and,
4. That the level of indemnity insurance in place is appropriate as detailed in 6.7.5 and;
5. That the professional consultant has completed and submitted to you the Professional Consultant’s Certificate located in the appendix to this Handbook.


You must NOT submit your COT until we have been provided with all the information requested in points 1 -5 above and confirmed to you in writing that the case may proceed despite the absence of a new home warranty.
Reliance Bank LtdNo
Rooftop Mortgages LtdYes providing the consultant’s professional indemnity has been verified.
Saffron Building SocietyYes, where 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. A Professional Consultants Certificate must provide cover for 6-years from completion of the build.

We do not have our own form of certificate
Sainsbury’s BankYes, if the property has been built/converted within the last 6 years and has the benefit of a Professional Consultants Certificate which complies with the requirements of Section 6 of the Lenders Handbook.
Santander UK plcWe 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).

PCCs are only acceptable for single properties or small developments of up to 10 units

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.
Scottish Building SocietyNo
Scottish Widows BankWe will proceed if the work is being monitored by a Professional Consultant.
Secure Trust Bank PLCYes, 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.
Skipton Building SocietyYes, provided there are no more than 15 residential units on the development site and that construction has been monitored by a professional consultant (limited to an Architects or Architectural Technologists Certificate)
St James Place BankYes, provided construction is supervised by a professional consultant.

We only require this where the property is to be occupied for the first time.
State Bank of India UKYes. The building work must have been monitored and supervised by a professional consultant. The consultant must provide a Professional Consultants Certificate, and hold one of the qualifications detailed in 6.7.4. The consultant must have an appropriate level of Professional Indemnity Insurance in place.
Swansea Building SocietyYes if monitored and certified by a qualified and indemnified professional consultant.
The Mortgage BusinessYes, 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 Lender LimitedYes, provided that a professional consultant’s certificate is available and a copy has been sent to us prior to the exchange of contracts in the case of a purchase or before completion in the case of a remortgage.
The Mortgage WorksYes, provided a professional consultants certificate is available with suitable indemnity insurance or if the property is over two years old.
The Royal Bank of Scotland plcYes 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. In addition you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc Direct Line MortgagesYes 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. In addition you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc Direct Line OneYes 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. In addition you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc First ActiveYes 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. In addition you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc Natwest one AccountYes 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. In addition you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc One AccountYes 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. In addition you must confirm the Certificate was issued prior to exchange of contracts.
The Royal Bank of Scotland plc Virgin OneYes 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. In addition you must confirm the Certificate was issued prior to exchange of contracts.
The Tipton & Coseley Building SocietyNo.
Together Personal Finance LimitedNo.
Topaz Finance LtdPlease refer to HML Address and telephone number on Offer of Advance.
TSB Bank plcA Professional consultant’s certificate or acceptable warranty is required.
Ulster BankYes 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.
Vida HomeloansYes providing the property was built under the supervision of a person with one of the following qualifications:-
FRICS, MRICS, F.I.Struct.E, M.I.Struct.E, FCIOB,MCIOB,FASI, MASI,FB.Eng, MB.Eng, MCIAT,ARB,RIBA,FICE, MICE
providing they have PI cover in force.
Virgin MoneyYes, but we’ll need an appropriate Professional Consultant’s Certificate must be provided instead.
Whistletree (a trading name of TSB Bank plc)Yes providing the build is being monitored by a professional consultant. If the development contains more than 15 units a new home warranty must be avaiable as referenced in 6.7.1
Yorkshire Bank Home Loans LtdYes if there is a Professional Consultant’s Certificate that complies with the requirements of Section 6 of the Lenders’ Handbook.
Yorkshire Building SocietyYes, 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.
Zephyr HomeloansNo. Please contact us for instructions on how to proceed

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— Established in 1989.  

Our surveyors hold at least one of the following qualifications.

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