| House purchase |
No |
No |
Free Legals and Low Cost Legals are not available for
all house purchase applications |
| Remortgage/unencumbered |
Yes1 |
Yes2 |
Low Cost Legal fee is
£2003 |
|
Remortgage/unencumbered (Buy to Let, or remortgage with only
annexe let)
|
No |
Yes2 |
Low Cost Legal fee is
£2003 |
|
Remortgage (tied accommodation)
|
No |
Yes2 |
Low Cost Legal fee is
£2003 |
| Forced Internal Remortgage (multiple primary, merge societies-
subject to normal exceptions) |
Yes1 |
Yes2 |
Low Cost Legal fee is
£2003 |
| Internal remortgage from Heritage Lloyds/ Heritage TSB
staff mortgage to C&G mortgage |
Yes1 |
Yes2 |
Low Cost Legal fee is
£2003 |
| Internal remortgage from C&G mortgage to Heritage
Lloyds/ Heritage TSB staff mortgage |
No |
No |
|
| Transfer of Equity (sole to
joint ownership only) |
No |
Yes2 |
Low Cost Legal fee is £350 |
| Transfer of Equity (all other transfers of equity
including those arising as a result of death of an
owner) |
No |
No |
|
| Change name from Miss to Mrs (marriage certificate
required) |
Yes1 |
Yes2 |
Low Cost Legal fee is
£2003 |
| Guarantor applications |
No |
Yes2 |
Low Cost Legal fee is
£2003 |
| Properties not occupied by the customer as main residence
(includes informal occupation by relatives or friends but excludes
tied accommodation and buy-to-lets) |
No |
No |
|
| Holiday/second home or Pied-a-Tierre |
No |
Yes2 |
Low Cost Legal fee is
£2003 |
| Funds to be used for purchase of a property or
land |
No |
Yes2 |
Low Cost Legal fee is
£2003 |
| Funds to be used for purchase of Freehold where customer
currently has a lease of the property |
No |
No |
|
| Customers with a non-UK correspondence address |
No |
Yes2 |
Low Cost Legal fee is
£2003 |
| Capital raising to buy out a partner in divorce or
separation proceedings or where the property is the subject of
matrimonial proceedings |
No |
No |
|
| Properties with land exceeding 10 acres (and/or
agricultural restrictions/tenancies) |
No |
No |
|
| Applications where mortgage application form/loan
documentation is to be signed by a Power of Attorney |
No |
No |
|
| Customers borrowing to build property themselves, or
remortgage a property self-built within the last 10
years |
No |
No |
|
|
Remortgaging a self build
properties built more than 10 years ago
|
Yes1 |
Yes2 |
Low Cost Legal fee is
£2003 |
| Remortgaging a Key Worker Scheme properties (only if
customers own entire property) |
Yes1 |
Yes2 |
Low Cost Legal fee is
£2003 |
| Purchase of remaining share |
No |
No |
|
| Extension of lease |
No |
No |
|
| Remortgage of Islamic mortgage from another
lender |
No |
No |
|
| Repay loan/mortgage secured on another
property |
No |
No |
|
| Properties in Scotland |
Yes1 |
No |
For properties in Scotland, customers have the option of
either having a £400 contribution towards legal costs or Free
Legals, providing the application is eligible for the Free Legals
offer. |
| Properties in Northern Ireland |
No |
No |
For properties in Northern Ireland, a contribution of
£400 towards legal costs will be made, providing the application is
eligible for the Free Legals offer. |