Buy to Let - Birmingham Bank Conveyancing Requirements for Properties Let at Completion

Birmingham Bank legal requirements are expressed in Part 1 of the December 1st 2014 version of the CML Handbook which provides that unless it is clear from the mortgage offer that the property is tenanted or is to be let at completion then you must check with Birmingham Bank as to whether Birmingham Bank lend on "buy-to-let" premises and that the mortgage is for that purpose.

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Previously updated on 29/02/2024 Section Two of the UK Finance Lenders’ Handbook for Birmingham Bank 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 Birmingham Bank lend on buy-to-let

mortgages@birminghambank.com

In situations where the residence, 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 Birmingham Bank mortgage offer or any consent to let Birmingham Bank issue. If the letting fails to comply, or no such details are mentioned, you are obliged report the position to Birmingham Bank

Part 2 of the UK Finance Lenders’ Handbook for Birmingham Bank deals with who you need to 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:

mortgages@birminghambank.com

Conveyancing solicitors on the Birmingham Bank solicitor 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 Birmingham Bank after completion

In addressing the question whether the mortgage company requires a certified copy letting agreement to be sent Birmingham Bank specifically states:

Yes

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 Birmingham Bank 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 Birmingham Bank panel or a buy to let mortgage broker click here.