List of lenders who will lend on a Freehold Flat

The following table sets out which Lenders will lend on a Freehold Flat (Source CML Handbook: 16/08/2011)

Please Note: Need more information about your bank or building society's Roll NumberClick here.

LenderLender position on Freehold Flats
Accord Mortgages LtdNo,  unless the property is in the Scarborough area and a conveyancer in that locality acts for Accord.
Adam & CompanyNo,  however may be accepted with our prior written approval. Please refer individual cases. See 1. 11

Adam & Company InternationalNo, but may be accepted with our prior written approval. Please refer individual cases. See 1. 11

Advantage (Morgan Stanley Bank International Limited)No.
Aldermore Bank PLCNo
Allied Irish Bank (GB), a trading name of AIB Group (UK)Refer to Legal & Central Securities, GB
Aviva Equity Release UK LtdNo.
Bank of ChinaNo. Only share of freehold considered.
Bank of Cyprus UKNo.
Bank of Ireland (UK) plcNo.
Bank of Ireland as Bank of Ireland MortgagesNo.
Bank of Scotland Beginning ANo
Bank of Scotland Beginning ONo
Barclays Bank as The WoolwichRefer to Issuing Office
Barclays Bank Plc as Standard Life MortgagesUnder certain circumstances. Please contact Mortgage New Business
Barnsley Building Society (a trading name of Yorkshire BankNo, except if the property is in the Scarborough area and a conveyancer in that locality acts for us.
Basinghall Finance plcNo
Beverley Building SocietyREFER TO JAN SCROWSTON
Birmingham MidshiresNo
Bradford & Bingley PlcNo
Britannia, a trading name of The Co-operative Bank plcNo
Capital Home LoansNo, nor freehold maisonettes.
Chelsea Building Society (a trading name of Yorkshire Building Society)No, except if the property is in the Scarborough area and a conveyancer in that locality acts for us.
Cheshire Building SocietyNo
Church House TrustNo
Clydesdale Bank plcNo.
Co-operative Bank plcNo
Coutts & CoNo, but may be accepted with our prior written approval. Please refer individual cases. See 1. 11
Coutts Finance CoNo, but may be accepted with our prior written approval. Please refer individual cases. See 1. 11
Coventry Building SocietyNo, except if the property is in South Tyneside and there are mutually enforceable covenants for support and maintenance of the common parts and the deeds of mutual enforceability are placed with the title deeds.
Darlington Building SocietyNo.
DB UK Bank LtdNo
Derbyshire Building SocietyNo
Derbyshire Home LoansNo
Dudley Building SocietyGenerally, no.
Exceptions:
1. See 5. 7. 1
2. Coach house flats - where there is one flat in a block built above garages and/or an access way.
Dunfermline Building SocietyNo
Earl Shilton Building SocietyNo
Ecology Building SocietyNo
Furness Building SocietyNo
GE Money Home Lending LtdNo
Godiva Mortgages LtdNo, except if the property is in South Tyneside and there are mutually enforceable covenants for support and maintenance of the common parts and the deeds of mutual enforceability are placed with the title deeds.
HalifaxNo
Halifax Loans LtdNo
Harpenden Building SocietyGenerally, no
Hinckley and Rugby Building SocietyNo.
Holmesdale Building SocietyNo.
HSBC Bank plc (Does not subscribe to the handbook)Note that as from January 2012 HSBC Conveyancing Panel was greatly reduced and some of the questions in the CML Lender handbook have been addressed.
ING DirectNo.
Intelligent FinanceNo
Irish Permanent InternationalNo.
ITL MortgagesNo
JPMorgan Chase Bank, N. A.No.
Kensington Mortgage Company LtdPlease refer to Kensington
Leeds Building SocietyNo.
Lloyds TSB Bank plc (C&G branded mortgages with roll numbers pre-fixed 20/)No.
Lloyds TSB Bank plc (C&G mortgages with account numbers beginning 50000)No
Lloyds TSB Bank plc (non-C&G mortgages)No
Lloyds TSB Bank plc (Roll numbers pre-fixed 40/)No.
Lloyds TSB Scotland plcNo
Manchester Building SocietyNo.
Market Harborough Building SocietyNo
Metro Bank plcNo.
Monmouthshire Building SocietyNo.
Mortgage ExpressNo
Mortgage Express No 2 
Mortgages plc, Mortgages 1 LtdNo.
National Counties Building SocietyNo.
National Westminster Home Loans LtdYes, provided the loan is less than 95% of the valuation.
Nationwide Building SocietyGenerally no
Exceptions-
i) see 5. 7. 1
ii) coach house flats - where there is one flat in a block built above garages and/or an access way there is no need to report details to us.
If there is an element of flying freehold - the requirements in part 1 paragraphs 5. 6. 2 must be adhered to.
Insurance - where the purchaser arranges insurance on more than one garage or garages owned/used by other parties, please ensure that the insurance company is aware of the arrangements.
New Life Mortgages LtdNo.
Northern Rock (Asset Management) plcNot normally acceptable. However, the following circumstances maybe acceptable:-
• where there is a leasehold interest in the flat and the reference to freehold relates to a share of the freehold interest in the block;
• where the other flat(s) in the block are all leasehold; or
• where there are reciprocating lease/freehold arrangements (such as Tyneside Flat situation).
Refer to New Mortgage Completions, other details as 1. 11a.
Northern Rock plcNot normally acceptable. However, the following circumstances maybe acceptable:-
• where there is a leasehold interest in the flat and the reference to freehold relates to a share of the freehold interest in the block;
• where the other flat(s) in the block are all leasehold; or
• where there are reciprocating lease/freehold arrangements (such as Tyneside Flat situation).
Refer to Mortgage Processing, other details as 1. 11a.
Oakwood Homeloans LtdNo.
Paragon Mortgages (2010) LtdNo
Paragon Mortgages LtdNo
Platform Home Loans LtdNo, other than those defined in 5. 5. 3.
Precise Mortgages, a division of Charter Court Financial Services LtdNo.
Principality Building SocietyNo
Prudential Banking plcNo
Rooftop Mortgages LtdNo.
Saffron Building SocietyNo.
Santander UK plcNo, but we will lend if the flat comes within 5. 7. 1 to 5. 7. 4 of the Handbook.
Santander UK plc (for Alliance & Leicester mortgages only)No.
Scottish Building SocietyNo
Scottish Widows Bank plcNo.
Skipton Building SocietyNo. Freehold flats in Scarborough may be considered under certain circumstances.
St James Place BankNo.
Stroud & Swindon Building SocietyNo
Swansea Building SocietyNo
The Mortgage BusinessNo
The Mortgage WorksNo
The Royal Bank of Scotland plcYes, provided the loan is less than 95% of the valuation.
The Royal Bank of Scotland plc Direct Line MortgagesYes, provided the loan is no more than 95% of the valuation and a suitable maintenance agreement is in place.
The Royal Bank of Scotland plc Direct Line OneYes, provided the loan is no more than 95% of the valuation and a suitable maintenance agreement is in place.
The Royal Bank of Scotland plc First ActiveYes, provided the loan is no more than 95% of the valuation and a suitable maintenance agreement is in place.
The Royal Bank of Scotland plc Natwest one AccountYes, provided the loan is no more than 95% of the valuation and a suitable maintenance agreement is in place.
The Royal Bank of Scotland plc One AccountYes, provided the loan is no more than 95% of the valuation and a suitable maintenance agreement is in place.
The Royal Bank of Scotland plc Virgin OneYes, provided the loan is no more than 95% of the valuation and a suitable maintenance agreement is in place.
The Tipton & Coseley Building SocietyNo.
Topaz Finance plcGenerally no. You may refer, however, if the Security is adequate and you are able to satisfy 5. 5. 2 and provide indemnity insurance.
UCB Home Loans Corporation LtdNo
Ulster Bank LtdYes, provided the loan is less than 95% of the valuation.
WaveNo, other than those defined in Part 1, 5. 7. 1.
Yorkshire Bank Home Loans LtdNo.
Yorkshire Building SocietyNo, except if the property is in the Scarborough area and a conveyancer in that locality acts for us.