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

Halifax legal requirements are expressed 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 Halifax as to whether Halifax lend on "buy-to-let" properties and that the mortgage is for that purpose.

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Last updated on 13/01/2023 Part 2 of the UK Finance Lenders’ Handbook for Halifax deals with who you need to contact If different from paragraph 1.11, i.e the contact point if property is let or to be let. It also deals with whether Halifax lend on buy-to-let

Conveyancer Support Team. (see offer for address and fax number)
Applications which involve 'distressed sales' are not acceptable, i.e. to avoid repossession proceedings and/or sale & leaseback arrangements, whereby the vendor will not vacate the property but will continue to reside under an AST.

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 Halifax mortgage offer or any consent to let Halifax issue. If the letting fails to comply, or no such details are specified, you are obliged disclose the position to Halifax

Part 2 of the UK Finance Lenders’ Handbook for Halifax outlines 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:

Customer Service Centre. (see offer for address and fax number)

Property lawyers on the Halifax 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 Halifax after completion

In addressing the question whether the mortgage company requires a counterpart letting agreement to be sent Halifax says:

No, please forward to the borrower.

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 Halifax 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 Halifax panel or a buy to let mortgage broker click here.

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