CML Handbook Archive: Historical Lender Instructions
Looking for the CML Lenders’ Handbook instructions that applied to an earlier purchase or remortgage? The Handbook is now published under the UK Finance name, but today’s wording may differ from the requirements relevant to your transaction.
The Lexsure Lender Archive provides access to historical lender-specific requirements. Search by lender, transaction date and issue to help investigate an earlier file, complaint or professional negligence allegation.
Need the CML instructions that applied then?
A current Handbook search may not answer a question about an earlier transaction. Establish what the lender’s recorded requirements said at the relevant time.
Search the Lexsure Lender Archive by lender, transaction date and issue. Consider the historical wording alongside the mortgage offer, specific instructions and conveyancing file.
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Japanese Knotweed : Knot Disclosing to Lenders
Recently, three lenders adopted HSBC’s approach in the CML Handbook regarding Japanese Knotweed, complicating previously straightforward conveyancing instructions. This shift introduces more nuanced disclosure expectations for lawyers, particularly around environmental reports. Additionally, different categories determine when lenders need to be informed about Knotweed presence, reflecting evolving compliance requirements.
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Kensington Opens Doors to HMOs..But…
Kensington Mortgages have changed their attitude and CML Handbook instructions relating to houses in multiple occupation. Up until yesterday the lender specified via Part 2 Section 6.6.4 that it would not lend where the property came within the definition of a house in multiple occupation? The new answer to Section 6.6.4 reads: Yes, on the basis that…