Summary
Barclays has replaced Issuing Office with Mortgage Loan Services in Sunderland as its contact point across most England and Wales answers, and the certificate of title now goes via Lenders Exchange. It also now accepts buildings converted into flats, requires details of planned works raising service charges or one-off costs by 1000 pounds or more, adds new requirements on incentives, solar panel leases, building safety and new-build warranties, and moves consent-to-let requests to an online form.
Check the lender’s current requirements before you rely on this summary.
Questions changed
47 questions- 1.7Contact point to see if the lender will lend when borrower and mortgagor are not one and the same.
- 1.11aContact point for standard documents.
- 1.11bContact point if standard documents are inappropriate.
- 4.5aIf different from 1.11, contact point if re-inspection required.
- 4.5bWhere should the certificate of title be sent?
- 5.1.1If different from 1.11, the contact point if the seller has owned the property for less than 6 months
- 5.5.3aIf different from 1.11, contact point for reporting if evidence of breach and all outstanding conditions will not be satisfied by completion
- 5.7.1c If the lender is prepared to accept a title falling within 5.7 and the property is a freehold flat or flying freehold, to which contact point must this be reported?
- 5.8.1Does the lender accept security which comprises a building converted into not more than four flats where the borrower occupies one of those flats and the borrower or another flat owner also owns the freehold of the building and the other flats are subject to long leases?
- 5.10.1If different from 1.11, contact point if there is a restriction on use.
- 5.14.1What minimum unexpired lease term does the lender accept?
- 5.14.9If different from 1.11, contact point for matters connected with the lease
- 5.14.10If different from 1.11, contact for service charge matters
- 5.14.11Does the lender accept indemnity insurance where the terms of the lease are unsatisfactory?
- 5.14.15aIf different from 1.11, contact point if there is an absentee/insolvent landlord
- 5.14.15bDoes the lender accept indemnity insurance if the landlord is absent or insolvent?
- 5.14.17bDoes the lender have any specific instructions about building safety?
- 5.15.2aIf different from 1.11, contact point if there are apparent problems with the management company
- 5.16.2If different from 1.11, contact point if unable to certify search entry does not relate
- 5.19.1If different from 1.11, contact point for lending on affordable housing, shared equity and shared ownership and where relevant your requirements
- 5.20.1Does the lender require me to report to them where the lease does not meet the UK Finance minimum requirements for leases of roof space for solar PV panels?
- 5.20.4Does the lender require you to disclose the details of any existing Green Deal Plan(s) on a property?
- 6.1.3If different from 1.11, contact point if borrower is not taking up the mortgage offer
- 6.2.1If different from 1.11, contact if any discrepancies in property's description
- 6.3.1If different from 1.11, contact point for any issues relating to purchase price
- 6.4.4Does the lender require me to report incentives?
- 6.4.5If different from 1.11, contact point if we will not have control over the payment of all the purchase money
- 6.6.2If different from 1.11, contact point when you do not have details of current letting or letting to take place at completion
- 6.7.1What new home warranty schemes are acceptable to the lender?
- 6.7.4Will the lender proceed if the property does not have the benefit of a new home warranty scheme?
- 6.7.6Does the lender need to be sent the professional consultant's certificate?
- 6.9.1If different from 1.11, contact point if necessary easements are absent
- 6.11.1If different from 1.11, contact point if property is affected by redevelopment or road proposals
- 6.13.1If different from 1.11, contact point if property is affected by improvement/repair grant which will not be discharged
- 7.4If different from 1.11, contact point if doubts about accuracy of information disclosed
- 10.9If different from 1.11, contact point if completion is delayed?
- 12.3.1If different from 1.11, contact point for release of retentions/mortgage advance instalments
- 16.1.1If different from 1.11, contact point for title documents
- 16.3.2If different from 1.11, contact point for finding out the debt amount
- 16.3.7aIf different from 1.11, contact point for obtaining execution of transfer equity
- 16.4.1If different from 1.11, contact point for application for consent to letting
- 16.5.2If different from 1.11, contact point for confirming proposed deed or agreement will not adversely affect the lender
- 16.5.3aWhere should the deed of variation be sent?
- 16.5.3bWhere should the deed of rectification be sent?
- 16.5.3cWhere should the deed of easement be sent?
- 16.5.3dWhere should the option agreements be sent?
- 17.1.1If different from 1.11, contact point for redemption statements
Activity trends
Published changes per month, December 2024 to November 2026
peak 21
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| Month | Changes |
|---|---|
| Dec 2024 | 3 |
| Jan 2025 | 2 |
| Feb 2025 | 12 |
| Mar 2025 | 5 |
| Apr 2025 | 5 |
| May 2025 | 4 |
| Jun 2025 | 5 |
| Jul 2025 | 5 |
| Aug 2025 | 4 |
| Sep 2025 | 8 |
| Oct 2025 | 7 |
| Nov 2025 | 12 |
| Dec 2025 | 12 |
| Jan 2026 | 21 |
| Feb 2026 | 16 |
| Mar 2026 | 12 |
| Apr 2026 | 5 |
| May 2026 | 12 |
| Jun 2026 | 6 |
| Jul 2026 | 5 |
| Aug 2026 | 1 |
| Sep 2026 | 1 |
| Oct 2026 | 1 |
peak 17
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| Month | Changes |
|---|---|
| Dec 2024 | 1 |
| Jan 2025 | 2 |
| Feb 2025 | 8 |
| Mar 2025 | 3 |
| Apr 2025 | 3 |
| May 2025 | 1 |
| Jun 2025 | 1 |
| Jul 2025 | 2 |
| Aug 2025 | 3 |
| Sep 2025 | 3 |
| Oct 2025 | 3 |
| Nov 2025 | 8 |
| Dec 2025 | 9 |
| Jan 2026 | 17 |
| Feb 2026 | 14 |
| Mar 2026 | 7 |
| Apr 2026 | 2 |
| May 2026 | 11 |
| Jun 2026 | 3 |
| Jul 2026 | 4 |
| Aug 2026 | 1 |
| Sep 2026 | 1 |
peak 12
Show as table
| Month | Changes |
|---|---|
| Jan 2025 | 1 |
| Feb 2025 | 6 |
| Mar 2025 | 3 |
| Apr 2025 | 2 |
| Jun 2025 | 1 |
| Jul 2025 | 2 |
| Aug 2025 | 3 |
| Sep 2025 | 4 |
| Oct 2025 | 6 |
| Nov 2025 | 6 |
| Dec 2025 | 7 |
| Jan 2026 | 8 |
| Feb 2026 | 12 |
| Mar 2026 | 4 |
| Apr 2026 | 2 |
| May 2026 | 8 |
| Jun 2026 | 1 |
| Jul 2026 | 3 |
| Aug 2026 | 3 |
peak 5
Month of this change
Show as table
| Month | Changes |
|---|---|
| Feb 2025 | 3 |
| Dec 2025 | 5 |
| Feb 2026 | 3 |
| Mar 2026 | 2 |
| Apr 2026 | 1 |
| Jun 2026 | 1 |
| Aug 2026 | 3 |
| Sep 2026 | 3 |
| Oct 2026 | 2 |
