Disclosure Document

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Panel of mortgage lenders There are 67 lenders on the panel for Residential, Shared Equity and Shared Ownership mortgages. Lenders - Residential, Shared Equity and Shared Ownership mortgages Accord Mortgages Family Building Society Melton Building Society Scottish Widows Bank AIB Foundation Home Loans Metro Bank Skipton Building Society Stafford Railway Building Aldermore Mortgages Furness Building Society Monmouthshire Building Society Society Barclays Halifax Intermediaries Nationwide for Intermediaries Swansea Building Society Bank of China Hanley Economic Building Society NatWest Intermediary Solutions Teachers Building Society Bank of Ireland for Harpenden Building Society Newbury Building Society Tipton and Coseley BS Intermediaries Bath Building Society Hinckley & Rugby Building Society Newcastle Building Society The Mortgage Lender Beverley Building Society HSBC Nottingham Building Society The West Brom Bluestone Mortgages Investec Penrith Building Society TSB Buckinghamshire Building Ipswich Building Society Pepper Money United Trust Bank Society Cambridge Building Society Kensington Mortgages Platform Homeloans Vernon Building Society Chorley Building Society Kent Reliance for Intermediaries Precise Mortgages Vida Homeloans Clydesdale Bank Leeds Building Society Principality Building Society Virgin Money Coventry for Intermediaries Leek United Building Society Progressive Building Society Danske Bank Mansfield Building Society Reliance Bank Darlington Building Society Marsden Building Society Saffron for Intermediaries Dudley Building Society Masthaven Santander for Intermediaries Earl Shilton Building Society MBSL Scottish Building Society There are 71 lenders on the panel for Buy-to-Let mortgages. Lenders - Buy-to-Let mortgages Stafford Railway Building Accord Mortgages Fleet Mortgages Mansfield Building Society Society Aldermore Mortgages Foundation Home Loans Marsden Building Society State Bank of India (SBI) Barclays Furness Building Society Melton Building Society Swansea Building Society Bank of China Gatehouse Bank Metro Bank Teachers Building Society Bank of Ireland for Tipton and Coseley Building Hampshire Trust Bank Monmouthshire Building Society Intermediaries Society Bath Building Society Hanley Building Society NatWest Intermediary Solutions The Mortgage Lender Beverley Building Society Harpenden Building Society Newbury Building Society The Mortgage Works Bluestone Mortgages Hinckley & Rugby Building Society Newcastle Building Society Together Money BM Solutions Hodge Nottingham Building Society TSB Buckinghamshire Building Interbay Commercial Paragon Mortgages Vernon Building Society Society Cambridge Building Society Investec Penrith Building Society Vida Homeloans Castle Trust Ipswich Building Society Pepper Money Virgin Money Chorley Building Society Kensington Mortgages Platform Homeloans West One Clydesdale Bank Kent Reliance for Intermediaries Precise Mortgages Zephyr Homeloans Coventry and Godiva Keystone Property Finance Principality Building Society Mortgages Danske Bank Landbay Progressive Building Society Darlington Building Society Leeds Building Society Saffron for Intermediaries Dudley Building Society Leek United Building Society Santander for Intermediaries Family Building Society Lend Invest Skipton Building Society Document Ref: CD01400 Version: 20 Effective: 20/07/2021 Information Classification: Public .

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Lender Panel List December 2019
Threemo - Available Lender Panels (16/12/2019) Accord (YBS) Amber Homeloans (Skipton) Atom Bank of Ireland (Bristol & West) Bank of Scotland (Lloyds) Barclays Barnsley Building Society (YBS) Bath Building Society Beverley Building Society Birmingham Midshires (Lloyds Banking Group) Bristol & West (Bank of Ireland) Britannia (Co-op) Buckinghamshire Building Society Capital Home Loans Catholic Building Society (Chelsea) (YBS) Chelsea Building Society (YBS) Cheltenham and Gloucester Building Society (Lloyds) Chesham Building Society (Skipton) Cheshire Building Society (Nationwide) Clydesdale Bank part of Yorkshire Bank Co-operative Bank Derbyshire BS (Nationwide) Dunfermline Building Society (Nationwide) Earl Shilton Building Society Ecology Building Society First Direct (HSBC) First Trust Bank (Allied Irish Banks) Furness Building Society Giraffe (Bristol & West then Bank of Ireland UK ) Halifax (Lloyds) Handelsbanken Hanley Building Society Harpenden Building Society Holmesdale Building Society (Skipton) HSBC ING Direct (Barclays) Intelligent Finance (Lloyds) Ipswich Building Society Lambeth Building Society (Portman then Nationwide) Lloyds Bank Loughborough BS Manchester Building Society Mansfield Building Society Mars Capital Masthaven Bank Monmouthshire Building Society Mortgage Works (Nationwide BS) Nationwide Building Society NatWest Newbury Building Society Newcastle Building Society Norwich and Peterborough Building Society (YBS) Optimum Credit Ltd Penrith Building Society Platform (Co-op) Post Office (Bank of Ireland UK Ltd) Principality
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Lender Action Required What Do I Need to Do? Express Payments?
express lender action required what do i need to do? payments? how will i be paid? You can request to be paid within Phone Accord Mortgaegs’ Business Support Team 24 hours of the lender confirming Accord Mortgages Telephone Registration on 03451200866 and ask them to add ‘TMA’as a Yes completion by requesting a payment payment route. through ‘TMA My Portal’. Affirmative Finance will release Registration is required for Affirmative Finance, the payment to TMA on the day of Affirmative No Registration however please state ‘TMA’ when putting a case No completion. TMA will then release Finance through. the payment to the you once it is received. Aldermore products are only available via carefully selected distribution partners. To register to do business with Aldermore go to https;//adlermore- brokerportal.co.uk/MoISiteVisa/Logon/Logon.aspx. You can request to be paid within If you are already registered with Aldermore the on 24 hours of the lender confirming Aldermore Online Registration Yes each case submission you will be asked if you are completion by requesting a submitting business though a Mortgage Club, tick payment through ‘TMA My Portal’. yes and then select ‘TMA’. If TMA is not already in your drop down box then got to ‘Edit Profile’ on the ‘Portal’ and add in ‘TMA’ Please visit us at https://www. Payment will be made every postoffice4intermediaries.co.uk/ and Monday to TMA via BACs. Bank of Ireland Online registration https://www.bankofireland4intermediaries. No Payment is calculated on the first co.uk/ and click register, you will need a Monday 2 weeks after completion profile for each brand.
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Mortgage Application Form Residential
Intermediary Mortgage Application Form Residential When completing the mortgage application form please ensure that you: • Complete the form in BLOCK CAPITALS using black ink • Answer all questions, or tick the appropriate box, please include postcodes where possible • If a question does not apply, write N/A or not applicable • If there is insufficient space for any answer, use the additional space provided in section 14 of the form • Ensure that the Declaration is signed by all mortgage applicants Trusted by you since 1860 Intermediary INTERMEDIARY SUBMISSION FORM Mortgage Introducers must complete this form for all cases submitted to the Society to enable us to comply with the FCA’s mortgage rules. Failure to do so will delay the application. Advisor name Company name Company address Postcode Telephone number Email address Company Status - Independent Company FCA Registration number Mortgage club name (if applicable) Company Status - Appointed Rep Company FCA registration number Network name Network FCA Registration number Network address Postcode Level of service Advised The Society’s normal practice is not to accept execution only sales via intermediaries. Confirm verbal disclosures Yes Confirm KFI issued Yes issued Please provide exact details of all parties who will receive a share of the procuration fee payment made by Marsden Building Society. This information is required for inclusion with the Society’s offer documents and must be provided. Company name Company name Please provide contact details for any complaint. This information is required for inclusion with the Society’s offer documents and must be provided. Company name Company address Postcode Telephone Company name Company address Postcode Telephone Please list all fees to be charged to the customer.
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Conversations with Members MEMBER ENGAGEMENT at BUILDING SOCIETIES Fourth Edition
Conversations with members MEMBER ENGAGEMENT AT BUILDING SOCIETIES Fourth Edition Conversations with members MEMBER ENGAGEMENT AT BUILDING SOCIETIES Fourth Edition Building Societies Association, January 2010 CONTENTS Foreword 2 MEMBERS’ DIRECTION AND CONTROL Executive Summary 2 Corporate Governance 17 Introduction 4 Turnout at the AGM vote 18 The mutual firm 5 AGM attendance 20 Mutuality and member engagement 6 The appointment of directors 21 Current building society practice: 6 Board Composition 22 A NEW FINANCIAL WORLD Disclosure of directors’ remuneration 23 Recession impact 6 ASSESSING PERFORMANCE Treating customers fairly 7 The importance of member engagement to building societies 24 ENGAGING MEMBERS Absorbing feedback 26 Opening opportunities 8 Measuring effectiveness 27 Community involvement 10 Remuneration related to engagement 28 LISTENING TO MEMBERS The BSA’s involvement 28 Member communications 11 Conclusions 29 Member panels 13 Questionnaires and surveys 14 New technology 16 1 Foreword Executive Summary Lord Myners Financial Services Secretary The profile of corporate governance issues has increased significantly over This report presents the progress the past two years. Viewed in the context of a financial crisis without modern precedent, matters of management, stewardship, and ownership building societies have made over have lately taken on greater importance. Sir David Walker’s review has the last two years in engaging their helped bring the issue to the forefront of the global reform agenda. members, getting their feedback, and The governance of mutuals is of course different in nature when compared acting on their comments so that the to other financial institutions - and has held up relatively well in this crisis - but it is no different in its critical importance to the health of members have more influence over organisations and the stability of our financial system.
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Savings Terms and Conditions with Effect from 6 April 2021
Newbury Building Society Savings terms and Conditions with effect from 6 April 2021 Call: 01635 555700 Visit: newbury.co.uk Newbury Building Society 1. Account Terms: General 1.1 This booklet contains important information. It sets out the terms and conditions that will apply to your account, whether opened in one of our branches or online, subject to any additional conditions for particular types of account. You should read the terms and conditions carefully, as you will be legally bound by them, and retain the booklet for future reference. You can ask for a copy of the terms and conditions that apply to your account at any time while the account is open. You can do this by asking at any of our branches or looking on our website. 1.2 In these terms and conditions, the following words and expressions have the following meanings: • ‘we’, ‘us’ and ‘our’ refer to Newbury Building Society. • ‘you’ and ‘your’ refer to the holder of an account with Newbury Building Society. • ‘Business Day’ means a day other than a Saturday, Sunday or bank holiday. • ‘Charitable Assignment Scheme”: see Condition 3. • ‘Condition’ means one of these terms and conditions. • ’myaccounts’ means the system that allows you to manage certain Newbury Building Society accounts online. • ‘normal business hours’ means 9am to 5pm on a Business Day. • ‘Passbook’: see Condition 5.2. • ‘Payment Services’ means payments made by electronic transfer. • ‘Product Specific Conditions’ means any additional conditions for particular types of account. • ‘Rules’ means the rules of Newbury Building Society from time to time in force.
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Lender List 2021
LENDERS LIST 2021 www.cml.org.uk/lenders-handbook/ Does the lender accept personal searches and, if yes, what are the lender’s requirements? Lender Answer Accord Buy to Let Yes, subject to the requirements listed in Part 1 and provided you give an unqualified Certificate of Title. You must ensure that the search firm subscribes to the Search Code maintained by the Council of Property Search Organisations and monitored by the Property Codes Compliance Board. Accord Mortgages Ltd Yes these are acceptable provided 1) the search firm subscribes to the Search Code as monitored and regulated by the Property Codes Compli- ance Board (PCCB) 2) the requirements listed in Part 1 of this Handbook are met and 3) provided you give an unqualified Certificate of Title. Adam & Company Yes, provided they are undertaken by a reputable search agent who has adequate professional indemnity insurance and you can still give a clear Certificate of Title. Adam & Company Yes, provided they are undertaken by a reputable search agent who has International adequate professional indemnity insurance and you can still give a clear Certificate of Title. Ahli United Bank (UK) plc Please refer to Central Administration Unit Aldermore Bank PLC Yes, subject to the requirements set out in paragraph 5.4.7 and 5.4.8 of Part 1. We recommend that any firm carrying out a personal search is registered under The Search Code monitored by the Property Codes Compliance Board. Allied Irish Bank (GB), a Refer to AIB Group (UK) plc, Central Securities (GB) trading name of AIB Group (UK) Atom Bank plc Yes provided that they are undertaken by a reputable search agent who subscribes to the search code, as monitored by the Property Codes Com- pliance Board, is registered with the Council of Property Search Organisa- tions, has adequate professional indemnity insurance and where you can still give a clear certificate of title.
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Members' Review
NEWBURY building society MEMBERS’ REVIEW INCORPORATING SUMMARY FINANCIAL STATEMENT YEAR ENDED 31 OCTOBER 2017 Members’ Review The Directors have pleasure in presenting the Members’ Review incorporating the Summary Financial Statement of the Society for the year ended 31 October 2017. Contents Our Highlights 3 Purpose, Vision and Culture 4 The Year in Pictures 5 Summary Financial Statement 6 Summary Directors’ Report 6 Summary Statement 17 Notes to the Summary Statement 18 Independent Auditor’s Report 19 Directors 20 Directors’ Attendance Record 22 Directors’ Remuneration Report 22 Notice of the 161st Annual General Meeting 26 Members’ Review Our Highlights Mortgages Savings & Funding • Our mortgage book increased £62m to £843m (8%) • Savings balances increased £71m to £879m (9%) • We lent £192m to mortgage customers (2016: £187m) • The performance of our Senior Saver, Existing Member and ISA accounts were significant factors in • Strong demand for our residential, first time buyer and the growth buy to let products supported this growth • We had funding of £58m from the Bank of England • As a result of the mortgage growth the Total Assets of the Term Funding Scheme at year-end Society exceeded £1bn for the first time Mortgage Balances Savings Balances £900m £900m £879m £843m £800m £800m £700m £700m £600m £600m 2013 2014 2015 2016 2017 2013 2014 2015 2016 2017 Financial strength Members • Our regulatory capital grew £7m to £68.7m (11%) • Our member numbers increased by nearly 1,500 to 67,927 • Our Total Capital Ratio improved to 19.8% • Our mystery shopping scores averaged 93% • Our profit after tax was £5.9m (2016: £5.6m) • Complaints as a percentage of members were less than 0.11% • We held £156m of liquidity at year end Member Numbers Capital £68.7m £70m 70,000 67,927 £65m 68,000 £60m 66,000 £55m 64,000 £50m 62,000 £45m 60,000 2013 2014 2015 2016 2017 2013 2014 2015 2016 2017 2017 Members’ Review - Newbury Building Society 3 Purpose, Vision and Culture To be the trusted provider of mortgages and savings in our operating area.
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The Herald Scorching September Sunshine Draws Record Numbers to Showground
Autumn 2019 ∙ Issue 52 The Herald Scorching September sunshine draws record numbers to Showground The Newbury & District Agricultural Society were delighted to welcome record visitor numbers to our annual county show. Blistering sunshine on Saturday back after a successful debut in 2018 combined with a more damp and the Dog Zone proved popular outlook on Sunday resulted in again, with lots of dogs taking part a surge of attendees arriving to in fun agility courses by Colin’s Dog enjoy the festival of fun, food and Agility Club, demonstrations by the farming. The Show, in it’s 110th Berkshire Search and Rescue Team year succeeded in generating more and entertaining competitions for neres off erng new ou visitors to take part in. more trade stands and a welcome Elsewhere, we showcased a boost from several new sponsors. brand new Bee & Honey Tent, Visitors to the Show reported back sponsored by Rowse Honey, who positively on the way the new layout also presented their amazing walk- brought livestock back inside the in ‘Wonderhive’. Visitors enjoyed Showground. This also resulted in candle making, badge making, the Food Tent being closer to the car honey tastings and competitions parks so tired legs had less distance took place for the public to take part to travel with their purchases. in. The Taste of Japan Tent brought a glimpse of Japanese traditions We were over 20% up on visitor with bonsai trees, sushi tastings, numbers compared to Saturday beautiful accessories as well as in 2018, and over 2,500 more cars an Akita dog. This linked in nicely entering the car parks.
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Low-Impact Living Initiative
building societies what are they? They’re mutual institutions offering savings accounts and mortgages, and occasionally current accounts. This is all they provide. They are simple beasts compared to banks, and their mutual nature means that they are owned by their members, and are not listed on stock exchanges and owned by shareholders. They’re similar to co- operatives, but, from Wikipedia: ‘unlike a true cooperative, members usually do not contribute to the capital of the company by direct investment, but derive their right to profits and votes through The sign on the Penrith Building Society (the their customer relationship.’ smallest in the UK) says it all: ‘Every man his History: the first building society was formed in own landlord’ (well, all apart from the fact that 1775, by Richard Ketley, proprietor of the Golden they left out half the population). Cross pub in Snow Hill, Birmingham. At the time, publicans encouraged meetings of working men in Demutualisation: many building societies were their pubs in order to sell more beer! Lots of ‘demutualised’, starting in the 1980s, after trades unions and friendly societies were formed deregulation allowed mutual societies to become in pubs. This society was quickly followed by banks with shareholders, or to merge with existing others in Birmingham, then Dudley, Rowley Regis banks. Members were offered incentives in the and other places in the Midlands, North and form of cash payments or shares. The first mutual Scotland. Members of early societies like this paid society to be demutualised was Abbey National, money into a pot, and when there was enough, followed by famous names such as Alliance and one member’s name was drawn by lot and the Leicester and Northern Rock.
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Members Review WEB.Indd
Members’ Review 2019 Members’ Review Find out more about our achievements in 2019, our people, our communities and what this year has in store for your Society Members’ Review 2019 2 Members’ Review 2019 3 Contents Your Chief Executive’s Review 2-5 Making Managing Your Money Easier 6 2020 Roadmap 7 Celebrating 160 Years 8 A Great Place to Work 9 Our Communities Matter 10 Affinity Partners & Give 160 11 Summary Financial Statement 13-15 Auditor’s Statement 16 Summary Directors’ 17-18 Remuneration Report Member Information 19 Rob Pheasey, Chief Executive Your Chief Executive’s Review This year marks a milestone occasion as we celebrate 160 years of the We continued to support those looking to own their own home, welcoming 1,197 Marsden. Before we look at what the next 12 months has in store, I’d like to new borrowing members, increasing our residential mortgage balances by 12.9% to share with you an overview of our performance in 2019. £471.8m. Our product range continued to help first-time buyers onto the property ladder as well as providing options for those looking to borrow into and during their retirement. A simple business model Once again, we achieved our objective to grow the Society by continuing to attract and We grew the balance sheet to £575.2m during 2019 and in the period since 2016, retain members. The simplicity of our business model is a real strength, allowing us to have grown your Society by 38.3%. We remain profitable, comparable to last year’s remain firmly focused on meeting the needs of our members for savings and mortgages performance, with profit after tax of £1.843m.
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Affordability Calculator Guide
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List of PRA-Regulated Banks
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