UK Finance Lenders’ Handbook
Explore articles on the UK Finance Lenders’ Handbook, including lender-specific Part 2 instructions, changes to mortgage requirements and practical guidance for conveyancers.
Coverage includes HSBC, Santander, Barclays, Nationwide, NatWest and Clydesdale Bank lender handbook archive posts, examining historical instructions and why the relevant transaction date matters when investigating an earlier purchase or mortgage.
Topics include ground rent, lease terms, flood risk, planning permission and other property issues affecting mortgage lending.
Lexsure Lender Archive
Check what your lender required at the time
Search historical UK Finance Part 2 instructions for HSBC, Santander, Barclays, Nationwide and more, as they stood on your transaction date.
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Santander Conveyancing Panel: Important Update to Ground Rent Requirements
Santander has updated its ground-rent requirements effective March 2026, necessitating compliance with specific benchmarks for mortgage approvals. Ground rents must be 0.1% or less of property value, with review periods of at least 10 years and increases capped at RPI. Firms on the Santander Conveyancing Panel must stay informed to avoid delays.
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Drafting A CQS Dealing with Lender Policy Template
Section 6.4 of the 2022 Conveyancing Quality Scheme (CQS) Core Practice Management Standards (CPMS) requires CQS-accredited law firms to have a Dealing with Lenders Policy in place. However, it has been brought to my attention that SROs face challenges in formulating this particular CQS policy. A meticulously formulated CQS Dealing with Lenders Policy, should accurately…