Change Date : 30/01/2014
Association: BSA
Jurisdiction: England and Wales
Index: v.2014 No.73


Policy changes relevant to
Newcastle Building Society Solicitor Panel

Updated 2013-03-04 2014-01-30
A.3 Does the society lend in circumstances where the borrower and the mortgagor are not one and the same?


• Depends upon individual circumstances the offer should provide details. If the offer is silent; then please contact: -


Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL


• Depends upon individual circumstances the offer should provide details. If the offer is silent; then please contact: -


Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL

A.10 (a) Who is the contact point for SRs? (b) What ‘non-standard' documents are used and where are these available from?


Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL


• The following documents, (if relevant) will be included within your instructions:


• Mortgage Deed,


• Deed of Assignment,


• Mortgage Conditions 2001 Editions


• Certificate of Title,


• Deed of Guarantee,

Consent to Mortgage Form.


• Deeds Schedule


• If a document is missing and you think it should be in your instructions to act for the Society please contact the Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL


Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL


• The following documents, (if relevant) will be included within your instructions:


• Mortgage Deed,


• Deed of Assignment,


• Mortgage Conditions 2001 Editions


• Certificate of Title,


• Deed of Guarantee,

Consent to Mortgage Form.


• Deeds Schedule


• If a document is missing and you think it should be in your instructions to act for the Society please contact the Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL

A.12 What are the society's conveyancing panel arrangements?


• Conveyancing firms with 2 or more partners may apply to be considered for inclusion on the Society’s panel of Solicitors.


• An application form needs to be completed and returned with copies of the firm’s current PI certificate and conveyancer’s practising certificates.


• Copies of the application form can be obtained from, Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne, NE1 8AL


• Conveyancing firms with 2 or more partners may apply to be considered for inclusion on the Society’s panel of Solicitors.


• An application form needs to be completed and returned with copies of the firm’s current indemnity insurance, conveyancer’s practising certificates and certificate of incorporation (if applicable).


• Copies of the application form can be obtained from, Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne, NE1 8AL

B.3 In what circumstances might the society amend or withdraw the mortgage offer?


• Where there is: -

o A cashback;

o An incentive;

o An indirect incentive;

o Where the sale is not at arms length for value to unconnected persons.

o Where there is a restriction or a right of pre-emption which is not at market value

o Where the Society‘s right to possession is fettered in some way.

o If we reasonably suspect that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;

o If we reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances.

o If the mortgage transaction does not complete within 6 months of the date of the offer.

o If the solicitor acting for the applicant, borrower, mortgagor or guarantor cannot comply with our instructions.

o If there is a material change in the circumstances of the applicant, borrower, mortgagor or guarantor between issue of the offer and prior to completion.

o If any of the terms of the mortgage offer cannot be satisfied.

o If for any reason an insurer is not prepared to agree satisfactory building insurance for the property being charged as security.

o If we have doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion.

In the first instance you must notify the Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL and await further instructions before doing anything further on the file.


• Where there is: -

o A cashback;

o An incentive;

o An indirect incentive;

o Where the sale is not at arms length for value to unconnected persons.

o Where there is a restriction or a right of pre-emption which is not at market value

o Where the Society‘s right to possession is fettered in some way.

o If we reasonably suspect that the applicant, borrower, mortgagor or guarantor is involved in any criminal or fraudulent activity, including trading in illegal drugs or other substances, theft, robbery, deception or other serious offences, or if the applicant borrower, mortgagor or guarantor has a conviction for any serious criminal offence, including theft, deception, fraud, robbery or trade in illegal drugs or other substances;

o If we reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances.

o If the mortgage transaction does not complete within 3 months of the date of the offer.

o If the solicitor acting for the applicant, borrower, mortgagor or guarantor cannot comply with our instructions.

o If there is a material change in the circumstances of the applicant, borrower, mortgagor or guarantor between issue of the offer and prior to completion.

o If any of the terms of the mortgage offer cannot be satisfied.

o If for any reason an insurer is not prepared to agree satisfactory building insurance for the property being charged as security.

o If we have doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion.

In the first instance you must notify the Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL and await further instructions before doing anything further on the file.

B.7 Is it possible for a firm to act for the society in a transaction if they are an immediate family member of the seller or borrower?


• Not unless we say you can act, you should obtain permission in the first instance by contacting; Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL


• Not unless we say you can act, you should obtain permission in the first instance by contacting; Customer Lending Centre,
Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL


• Not unless we say you can act, you should obtain permission in the first instance by contacting; Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL

B.12 Does the society need to be notified to confirm whether it is prepared to proceed in the event that the seller has no legal representation? If so, who should be notified?


• Yes,


• please contact ; Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL to discuss.


• Yes,


• please contact ; Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL to discuss.

B.13 List any other acceptable documents (List A) B.13 List any other acceptable documents (List B)

List A -


• Current National Identity Card;


• Current Firearms Certificate (but not if used to verify proof of residency).


• Asylum Seekers Card issued by the Immigration Office;


• Disabled Person Card with photograph and reference.


• Power of Attorney document stamped by a Court.


• Current Police Warrant Card.


• HMRC Correspondence relating to Tax liability (not P45/P60).


• HMRC Tax Code Notification.


• For other forms of acceptable documentary evidence to prove identity please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL to discuss before proceeding further.

List B


• HMRC Correspondence relating to Tax liability (if not used for ID) (not P45 / P60) not more than 12 months old and if not used for identity.


• Bank Reference confirming name, address, and signature not more than 3 months old)


• Bank / Building Society / Credit Union Statement on headed paper sent out by the institution (not more than 3 months old).


• Building Society Passbook (not handwritten and showing an entry within the last 6 months)


• Current Local Authority Rent Card, Rent Book or Tenancy Agreement


• Reference from Commanding Officer (Armed Forces not more than 3 months old)


• For other forms of acceptable documentary evidence to prove residency please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL to discuss before proceeding further.

List A -


• Current National Identity Card;


• Current Firearms Certificate (but not if used to verify proof of residency).


• Asylum Seekers Card issued by the Immigration Office;


• Disabled Person Card with photograph and reference.


• Power of Attorney document stamped by a Court.


• Current Police Warrant Card.


• HMRC Correspondence relating to Tax liability (not P45/P60).


• HMRC Tax Code Notification.


• For other forms of acceptable documentary evidence to prove identity please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL to discuss before proceeding further.

List B


• HMRC Correspondence relating to Tax liability (if not used for ID) (not P45 / P60) not more than 12 months old and if not used for identity.


• Bank Reference confirming name, address, and signature not more than 3 months old)


• Bank / Building Society / Credit Union Statement on headed paper sent out by the institution (not more than 3 months old).


• Building Society Passbook (not handwritten and showing an entry within the last 6 months)


• Current Local Authority Rent Card, Rent Book or Tenancy Agreement


• Reference from Commanding Officer (Armed Forces not more than 3 months old)


• For other forms of acceptable documentary evidence to prove residency please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL to discuss before proceeding further.

B.22 Which forms and documents are required for any occupants aged 17 or over who are not party to the mortgage before completion of the mortgage?

The consent to mortgage form will be provided with your mortgage instructions. If not then a consent to mortgage form can be obtained from the Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL

The consent to mortgage form will be provided with your mortgage instructions. If not then a consent to mortgage form can be obtained from the Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL

B.24 (a) Are there any circumstances where the solicitor or company acting in the mortgage can advise any borrower who does not personally benefit from the loan? (b) Are there any circumstances where the solicitor or company acting in the mortgage can advise any guarantor? (c) Are there any circumstances where the solicitor or company acting in the mortgage can advise anyone intending to occupy the property executing a consent to the mortgage?

(a) Contact the Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

(b) Contact the Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

(c) Contact the Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

(a) Contact the Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

(b) Contact the Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

(c) Contact the CMortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

C.11 What does the society accept as security where the property falls within the definition of a house in multiple occupation under the Housing Act 2004?


• A first legal charge from the estate owner of the Freehold Interest.


• Certified copy of the Local authority license permitting multiple occupations.

(a) In the first instance and on becoming aware that a property is in multiple occupation contact the Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.


• A first legal charge from the estate owner of the Freehold Interest.


• Certified copy of the Local authority license permitting multiple occupations.

(a) In the first instance and on becoming aware that a property is in multiple occupation contact the Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

C.15 Will the society proceed if the property does not have the benefit of a warranty scheme under C.12?


• Yes in certain circumstances please refer to the offer in the first instance if the offer is silent please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding


• Yes in certain circumstances please refer to the offer in the first instance if the offer is silent please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding

C.19 What are your specific requirements if the roads or sewers immediately serving the property are not adopted or maintained at public expense?


• Please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding


• Please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding

C.20 What additional requirements are there where roads and sewers are not adopted or to be adopted?


• Please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.


• Please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

C.21 If all such rights are not enforceable by the borrower and the borrower's successors in title what are the society's requirements?


• Please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.


• Please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

C.28 Does the society require confirmation that all of the risks above are covered in the insurance policy?


• No; but if any insurance risk is excluded please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.


• No; but if any insurance risk is excluded please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

D.11 Does the society require environmental or contaminated land reports?


• Yes; please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.


• Yes; please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

D.25 Does the society require the conveyancers to report to them that the property is a freehold flat or comprises, or is affected by, a flying freehold?

Yes please refer to Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions.

Yes please refer to Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions.

D.26 Does the society have any objections to a security which comprises a building coverted into not more than four flats, where the borrower occupies one of those flats and the borrower or any flat owner also owns the freehold of the building and the other flats are subject to long leases?


Depends please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL.


Please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions prior to proceeding.

D.30 Will the society accept it as a security and if so, what are your requirements?


Yes but will require undated signed transfer form from borrower in respect of freehold with confirmation that the interest in the freehold can be transferred if the Society has to sell as a mortgagee in possession.


• Will require a legal charge over the freehold reversion in the other flat.


Yes, but will require undated signed transfer form from borrower in respect of the freehold with confirmation that the interest in the freehold can be transferred if the Society has to sell as a mortgagee in possession.


• Will require a legal charge over the freehold reversion in the other flat.

D.32 If the property comprises commonhold will it be accepted as security?


• Depends upon circumstances please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL.


• Depends upon circumstances please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL.

D.34 What are the requirements on the unexpired term of a lease offered as security?


• Must not be less than 35 years after the legal date for repayment of the mortgage has passed.


• Must have a minimum of 70 years remaining as at the commencement of the mortgage.

D.43 Does the society accept indemnity insurance if the terms of lease are unsatisfactory?


• Please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions.


• Please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions.

D.47 What are the society's specific requirements if it becomes apparent that the landlord is either absent or insolvent?


• Please contact Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions.


• Please contact Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL for instructions.

E.12 How is the mortgage advance paid (including any details of any standard deductions)?


• Electronically.


7 days notice


• Please refer to mortgage instructions as any deduction from the advance will be noted.


• Electronically.


5 working days notice


• Please refer to mortgage instructions as any deduction from the advance will be noted.

F.1 The society's standard documents are available from:


Depends upon the transaction i.e. discharge, release of land, redemption figure from Mortgage Services Department; Newcastle Building Society, Portland House, New Bridge St. Newcastle upon Tyne, NE1 8AL and use DS1.


• Transfer of equity contact CLC, Newcastle Building Society, Portland House, New Bridge St. Newcastle upon Tyne, NE1 8AL and use relevant land registry forms.


• Redemption monies and DS1 to Principal office cashiers, Newcastle Building Society, Portland House, New Bridge St.
Newcastle upon Tyne, NE1 8AL


• Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne, NE1 8AL

F.9 Where should the transfer be sent for sealing?


Customer Lending Centre, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL


• The Common seal of Newcastle Building Society was hereunto affixed in the presence of:

By order of the Board of Directors.


Mortgage Operations Department, Newcastle Building Society, Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL


• The Common seal of Newcastle Building Society was hereunto affixed in the presence of:

Authorised Official:

Authorised Official:

By order of the Board of Directors