Buy to Let - The Mortgage Works Conveyancing Requirements for Properties Let at Completion

The Mortgage Works legal requirements are expressed in Part 1 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 The Mortgage Works as to whether The Mortgage Works lend on "buy-to-let" properties and that the loan is for that purpose.

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Last updated on 26/06/2026 Part 2 of the UK Finance Lenders’ Handbook for The Mortgage Works 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 The Mortgage Works lend on buy-to-let

If the premises, 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 The Mortgage Works mortgage offer or any consent to let The Mortgage Works issue. If the letting fails to comply, or no such details are specified, you are obliged notify the position to The Mortgage Works

Part 2 of the UK Finance Lenders’ Handbook for The Mortgage Works 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:

Law firms on the The Mortgage Works 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 The Mortgage Works after completion

In considering whether the bank requires a certified copy tenancy agreement to be sent The Mortgage Works specifically states:

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 The Mortgage Works 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 The Mortgage Works panel or a buy to let mortgage broker click here.