Buy to Let - Whistletree Conveyancing Requirements for Properties Let at Completion

Whistletree buy-to-let obligations are explicit in Part 1 of the Council of Mortgage Lenders’ Handbook which provides that unless it is clear from the mortgage offer that the property is let or is to be let at completion then you must check with Whistletree as to whether Whistletree lend on "buy-to-let" premises and that the mortgage is for that purpose.

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Previously updated on 28/04/2017 Part 2 of the UK Finance Lenders’ Handbook for Whistletree deals with who you need to contact If different from section 1.11, i.e the contact point if property is let or to be let. It also deals with whether Whistletree lend on buy-to-let

Contact not required if a Buy To Let mortgage, otherwise details as 1.11a

In situations where the premises, or part of it, is currently let, or is to be let at completion, then the letting must comply with the details set out in the Whistletree mortgage offer or any consent to let Whistletree issue. If the letting fails to comply, or no such details are specified, you must report the position to Whistletree

Part 2 of the UK Finance Lenders’ Handbook for Whistletree specifies who you must contact If different from 1.11, i.e the contact point when you do not have details of current letting or letting to take place at completion:

Details as 1.11a

Law firms on the Whistletree conveyancing panel,when it comes to buy to let properties need to check Part 2 of the UK Finance Lenders’ Handbook as to whether counterparts or certified copies of all tenancy agreements and leases in respect of existing tenancies must be sent to Whistletree after completion

In addressing the question whether the lender requires a certified copy letting contract to be sent Whistletree says:

Yes, Counterpart after completion with the Title Deeds

The information contained within this webpage is for general information purposes only for lawyers in England and Wales, it does not constitute advice and you should always check the UK Finance Lenders’ Handbook for Whistletree Buy to Let requirements as well as the mortgage offer. Whilst we endeavour to keep the information up to date and correct but does not make any representation or warranties of any kind about its completeness, accuracy, reliability or suitability. Any reliance you place on the information is strictly at your own risk. Lexsure will not be liable for any direct or indirect loss or damage arising out of or in connection with the use of this information. The same caveat applies to members of the public looking at this page. If you wish to find a buy to let conveyancing specialist on the Whistletree panel or a buy to let mortgage broker click here.