The mortgage balance on the Equifax search is accepted to calculate the Loan to Value. Consent and confirmation of arrears may still be required. Last update is required within 30 days before completion. Consent to register and redemption figures (if applicable - see plans) are required for lenders placing restrictions at HM Land Registry and for non-conforming lenders. Reference may be required if remortgaged in last 6 months.
If arrears are showing on Equifax / Experian, confirmation of arrears will be required from the lender. If the lender will only provide conditional consent, then the full amount to grant consent will be needed.
Landmark Mortgages, Northern Rock, NRAM, Virgin Money and flexible or open plan type mortgages are not accepted on bypass schemes and full mortgage reference will be required.