Information for licensed conveyancers and solicitors

These documents below are legal documents and are to be used only by solicitors or licensed conveyancers who are on our panel and instructed to act on our behalf. Where applicable to your clients' case these documents will be included in the mortgage offer, these copies are intended for use as replacements if needed. 

*This form is to be used only when the mortgage offer includes the ‘additional occupier’ condition. If the mortgage offer does not include the additional occupier condition and the application is a sole application with an additional occupier set to reside, please send confirmation of the occupier’s full name, date of birth, relationship to borrower and details of their occupation to the Mortgage Completions team, Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.

Conveyancing Panel Membership

We have a panel of conveyancers who are eligible to act on our behalf. If you know that your firm is not on our panel then you can apply for membership of our conveyancing panel. Please read our Terms of Membership and complete the Conveyancing Panel Application Form. When returning the application form, please also provide us with your clients’ names and the address of the property in question if you have a current case.

Please note:

  • if a borrower takes out a remortgage product offering a free standard legal service, they will only qualify if they use our appointed conveyancer as we have specially negotiated costs.
  • borrowers are free to use a conveyancer of their own choice. However, if the conveyancer is not on our panel, then unless admitted, we will instruct another conveyancer to act on our behalf and the borrower will be liable for both sets of charges.
  • we reserve the right to refuse admission to the panel or, in the event of a disciplinary tribunal decision, to suspend or remove a firm from our panel at any time without notice, or where a firm has not acted on our behalf in the grant of a mortgage for a period in excess of one year.

Contact the Completions Team

Phone: 0345 607 9848

Fax: 0845 366 1080

Frequently asked questions

The information below must be read in conjunction with our requirements outlined in the UK Finance Mortgage Lenders' Handbook.

No. We will accept a faxed copy and do not require the original to be sent to us.

Please allow 7 working days' notice from submission of the Certificate of Title to completion. In any case where is it not possible to give the required notice, we will endeavour to check the Certificate of Title, but are unable to provide any guarantees that release of the mortgage advance will take place as requested.

We will log it for the completion date requested, check through the document and contact you about any outstanding matters. If no matter is outstanding, the release of the mortgage advance will take place on the date requested, provided 7 working days' notice has been given.

If you’ve already submitted the Certificate of Title and need to amend the completion date, please send written confirmation of the new date to us via fax.

Please do not send another Certificate of Title.

  • If completion has been delayed and you need to return the funds to us, please send written confirmation. If you don’t know the new completion date, please advise us in writing as soon as possible. Please do not send another Certificate of Title.
  • our bank details for return of funds can be found in the UK Finance Mortgage Lenders' Handbook section 10.7.
  • if the mortgage product carries a cashback cheque and you received it with the completion letter, it must be returned to us if the completion is delayed for more than 24 hours.
  • Please note if funds are not returned within 24 hours, interest may be charged.

If completion has been delayed and the funds have been returned to us, please send written confirmation of the new completion date as soon as you can. Please do not send another Certificate of Title.

  • It’s not our policy to release funds the day before completion on a remortgage, unless otherwise agreed.
  • if you require funds the day before completion for a purchase case, please outline this when you send the Certificate of Title. We do not release funds the day before completion unless specifically requested, and will rely on you to ensure the customer(s) is aware that interest will be charged from the date we release the funds. We will only release funds one working day prior to completion.

If you have been made aware that there is to be an additional adult occupier in the property and this is not already noted in our mortgage offer, you must inform us. We will require the occupier’s full name, date of birth, relationship to our borrower and details of their occupation in order to update our records and issue a new mortgage offer with a Form of Consent attached if required.

We require a Form of Consent on any sole named mortgage application where the additional occupier is over the age of 17 and not in full time education. Please note, any occupiers who are parents of the applicants and who are transferring the property to the customer will be required to obtain independent legal advice before signing the Form of Consent.

A certified copy of the Form of Consent must be submitted prior to completion for all additional occupiers. 

If we have agreed in the offer that an existing charge may remain, we require a Deed of Postponement to ensure we have first charge following completion. We will require confirmation that the Deed of Postponement has been duly executed prior to completion.

A Form of Acknowledgement is required when one or more of the applicants is not directly benefitting from the loan. If this is the case, the mortgage offer will include the Undue Influence condition. We will require confirmation that the Form of Acknowledgement has been duly executed prior to completion.

Please refer to section 6.7 of our UK Finance Mortgage Lenders' Handbook.

When you submit the Certificate of Title please confirm the following in writing:

  1. the new home warranty scheme the property benefits from, or a copy of the Professional Consultant's Certificate, with confirmation of the qualifications and indemnity insurance held by that individual
  2. the full and final postal address of the property

N.B. We will also require point 1 to confirm if the property is less than 10 years old (or less than 6 years old if it has the benefit of a Professional Consultant's Certificate).

  • Full details can be found in our Property Letting Requirements sheet.
  • If the property is not already let, we need verbal confirmation that you have made the customer aware of the contents of our Property Letting Requirements sheet. A copy of this is supplied with the mortgage offer.

If you become aware of an issue with the title to the property, or you cannot comply with our entire mortgage offer conditions, you must report this to our Completions team and we will review the scenario further. In some instances, we may need to refer back to the valuer for further consideration and will endeavour to respond to the query as efficiently as possible. 

The first mortgage payment date occasionally causes confusion. The information below will help your client understand when the first payment will be taken.

Key points

  • Skipton monthly mortgage payments are due in advance, not in arrears
  • Funds for completion are sometimes released to the conveyancer a day before completion, if the conveyancer requests it. We count the day the funds are released as completion for the purpose of charging interest (not the legal completion date of a purchase or a re-mortgage). You should let your client know if you are requesting this
  • Clients' first Direct Debit payment will be due on the first day of the month following release of funds and will be taken shortly afterwards
  • If release of funds takes place on the last day of the month, the first payment is due the following day
  • Payments by Direct Debit will be taken on the third working day after the payment due date but the money needs to be available in the account on the due date.
Completion date (release of funds) First payment due
1-31 January 1 February
1-29 February 1 March
1-31 March 1 April
1-30 April 1 May
1-31 May 1 June
1-30 June 1 July
1-31 July 1 August
1-31 August 1 September
1-30 September 1 October
1-31 October 1 November
1-30 November 1 December
1-31 December 1 January
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