Your instructions from an individual lender will indicate if you are being instructed in accordance with the Lenders' Handbook.
Your instructions from an individual lender will indicate if you are being instructed in accordance with the Lenders' Handbook. If you are, the general provisions in part 1 and any lender specific requirements in part 2 must be followed.
Check part 2 to see if we lend in circumstances where this is not the case. We will not lend in such circumstances. View all answers to this question 1. This applies to references in the Lenders' Handbook and in the certificate of title. We will send you all the standard documents necessary to enable you to comply with our instructions, but please let us know if you need any other documents and we will send these to you.
Check part 2 to see who you should contact. If you consider that any of the documentation is inappropriate to the particular facts of a transaction, you should write to us see part 2 with full details and any suggested amendments. See Mortgage Offer Email: You must also comply with any terms and conditions of your panel appointment.
Communicating with the Lender 2. You should keep copies of all written communication on your file as evidence of notification and authorisation. If you use PC fax or e-mail, where the lender accepts email as a method of communication you should keep a paper copy or in another durable medium.
If there is more than one borrower, you must have the authority of all the borrowers.
If you do not believe that a matter is adequately provided for in the Handbook, you should identify the relevant Handbook provision and the extent to which the matter is not covered by it.
You should provide a concise summary of the legal risks and your recommendation on how we should protect our interest. After reporting a matter you should not complete the mortgage until you have received our further written instructions.
We recommend that you report such matters before conclusion of missives because we may have to withdraw or change the mortgage offer. Check part 2 to see whether we require you to notify us of the name and address of the solicitors firm acting for the seller. No unless they do not appear in a legal directory or they are not currently on record with the Solicitors Regulation Authority or Council for Licensed Conveyancers as practising at the address shown on their note paper.
View all answers to this question 3. Valuation of the Property 4. For the avoidance of doubt, regardless of where the report is obtained from, you must carry out the checks detailed in sections 4. Yes, we will provide you with a copy of the valuation report.
View all answers to this question 4.
If they are not, please let us know as soon as possible see part 2 as it will be necessary for us to check with the valuer whether the valuation needs to be revised.
We are not expecting you to assume the role of valuer. We are simply trying to ensure that the valuer has valued the property based on correct information. Mortgage Lending Department as per 1.
We recommend that, if we send a copy of a valuation report that we have obtained, you should also advise the borrower that the borrower should not rely on the report in deciding whether to proceed with the purchase and that he obtain his own more detailed report on the condition and value of the property, based on a fuller inspection, to enable him to decide whether the property is suitable for his purposes.
Failure to do so may cause delay in the issue of the advance. Your certificate of title must be sent to us in the usual way see part 2. Please report to us see part 2 if the seller has been the owner of the property for less than six months, or the person selling to the borrower is not the owner, unless the seller is: We will not normally lend where there is a sub-sale, sale and leaseback or a back to back transaction.
For re-mortgages, we require confirmation that: Applications which involve assignable contracts or irrevocable Powers of Attorney in favour of intervening sellers are not acceptable.Starting January 1, , you no longer have a chance to fund your check after banking hours of the day a check you issued is deposited.
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