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

Santander legal requirements are set out in Part 1 of the Lenders 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 Santander as to whether Santander lend on "buy-to-let" premises and that the loan is for that purpose.

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Last updated on 21/04/2025 Section Two of the UK Finance Lenders’ Handbook for Santander 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 Santander lend on buy-to-let

Refer to Mortgage Operations office instructing you.

Where the property, or part of it, is already let, or is to be let at completion, then the letting must comply with the details set out in the Santander mortgage offer or any consent to let Santander issue. If the letting does not comply, or no such details are mentioned, you are obliged notify the position to Santander

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

Refer to Mortgage Operations office instructing you.

Conveyancing solicitors on the Santander 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 Santander after completion

In considering whether the bank requires a certified copy tenancy contract to be sent Santander specifically states:

No, unless your individual instructions on a particular case require this.

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