UK Finance Part-2 compliance data

Does Your Lender Accept
Fast Searches?

Check which lenders allow regulated personal searches under UK Finance Part-2 rules.

20
Lenders Tracked
19
Accept Regulated Searches
1
Official Only

Showing 20 of 20 lenders

Aldermore Bank

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£2,000,000

Accepts personal/regulated searches if Search Code + adequate PII.

Barclays

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£2,000,000
Excluded postcodes: ZE

Accepts regulated searches with Search Code compliance.

Chelsea Building Society

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£1,500,000

Search Code + Part-1 conditions + unqualified CoT.

Clydesdale Bank

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£1,500,000

If Search Code + PII & 5.4.7-5.4.8 satisfied.

Co-operative Bank

Accepts Regulated
Search Insurance
No
BTL
No
Max Value
£1,500,000

Only by firms registered under the Search Code (PCCB).

Coventry Building Society

Accepts Regulated
Search Insurance
Yes
BTL
No
Max Value
£1,500,000

Search Code (PCCB) subscribed required. Application at own risk.

Halifax (Lloyds)

Accepts Regulated
Search Insurance
No
BTL
No
Max Value
£1,000,000
Excluded postcodes: AB,IV,HS

Subject to 5.4.7-5.4.8. Trade body membership & PII recommended.

HSBC UK

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£1,500,000

Accepts if agent is CoPSO member / Search Code compliant with adequate PII.

Metro Bank

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£2,000,000

Accepts regulated searches with Search Code compliance and PII.

Nationwide Building Society

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£2,000,000

At your own risk if 5.4.7-5.4.8 met. Search insurance: not for second-hand purchases.

NatWest

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£2,000,000

Accepts if agent has adequate PII and clear CoT can be given.

Paragon Banking Group

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£3,000,000

Accepts regulated searches for BTL. Search Code required.

Pepper Money

Official Only
Search Insurance
No
BTL
No
Max Value
£800,000

Personal searches NOT accepted.

Principality Building Society

Accepts Regulated
Search Insurance
No
BTL
No
Max Value
£1,000,000

If 5.4.7-5.4.8 met; unqualified CoT; conveyancer bears risk.

Santander UK

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£3,000,000

Accepts personal searches if Search Code compliant (PCCB). Part-2 permits regulated.

Shawbrook Bank

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£5,000,000

Accepts regulated searches. Development/BTL specialist.

Skipton Building Society

Accepts Regulated
Search Insurance
No
BTL
No
Max Value
£1,000,000

At your risk if time does not permit official search.

Together Money

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£5,000,000

Accepts regulated searches. Bridging-friendly.

TSB Bank

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£1,500,000

Where carried out by qualified agents with suitable PII.

Virgin Money

Accepts Regulated
Search Insurance
Yes
BTL
Yes
Max Value
£2,000,000

At the conveyancer's own risk.

Why This Matters

Understanding your lender's position on regulated searches can dramatically affect how fast your property transaction completes.

Regulated Searches (Rapid Pack)

Where the lender allows it, regulated personal searches with insurance typically complete in 1–7 working days. Official Local Land Charges are instant where HM Land Registry has migrated the council.

Official Searches (Official Pack)

Official local authority searches via NLIS typically take 3–15+ working days depending on the council. Some councils are significantly slower, which is why SearchCore publishes live turnaround data.

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