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COUNCIL<br /> of MORTGAGE<br /> LENDERS YEARBOOK 2009/2010<br /> <br /> Yearbook & Directory of Lenders<br /> and Associated Services<br /> <br /> <br /> <br /> 20092010<br /> <br /> <br /> <br /> Yearbook &<br /> Directory of Lenders and<br /> Associated Services<br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> Bush House, North West Wing, <a title="CML Yearbook 2009/2010 page 1" href="http://viewer.zmags.co.uk/publication/64626b66?page=1">COUNCILof MORTGAGELENDERS YEARBOOK 2009/2010</a> COUNCILof MORTGAGELENDERS YEARBOOK 2009/2010<a title="CML Yearbook 2009/2010 page 2" href="http://viewer.zmags.co.uk/publication/64626b66?page=2"></a> <a title="CML Yearbook 2009/2010 page 3" href="http://viewer.zmags.co.uk/publication/64626b66?page=3"></a> <a title="CML Yearbook 2009/2010 page 4" href="http://viewer.zmags.co.uk/publication/64626b66?page=4"></a> <a title="CML Yearbook 2009/2010 page 5" href="http://viewer.zmags.co.uk/publication/64626b66?page=5">Yearbook &Directory of Lenders andAssociated Se</a> Yearbook &Directory of Lenders andAssociated Se<a title="CML Yearbook 2009/2010 page 6" href="http://viewer.zmags.co.uk/publication/64626b66?page=6"></a> <a title="CML Yearbook 2009/2010 page 7" href="http://viewer.zmags.co.uk/publication/64626b66?page=7">ContentsWe very gratefullyacknowledg</a> ContentsWe very gratefullyacknowledg<a title="CML Yearbook 2009/2010 page 8" href="http://viewer.zmags.co.uk/publication/64626b66?page=8"></a> <a title="CML Yearbook 2009/2010 page 9" href="http://viewer.zmags.co.uk/publication/64626b66?page=9">IntroductionBy Michael Coogan, Director Gene</a> IntroductionBy Michael Coogan, Director Gene<a title="CML Yearbook 2009/2010 page 10" href="http://viewer.zmags.co.uk/publication/64626b66?page=10">Who's who at the CMLAn introduction to the t</a> Who's who at the CMLAn introduction to the t<a title="CML Yearbook 2009/2010 page 11" href="http://viewer.zmags.co.uk/publication/64626b66?page=11">Who's who at the CMLBernard ClarkeCommun</a> Who's who at the CMLBernard ClarkeCommun<a title="CML Yearbook 2009/2010 page 12" href="http://viewer.zmags.co.uk/publication/64626b66?page=12">Today is a buyer's market for asset, all </a> Today is a buyer's market for asset, all <a title="CML Yearbook 2009/2010 page 13" href="http://viewer.zmags.co.uk/publication/64626b66?page=13">Have you identifiedthe mortgage risks?With </a> Have you identifiedthe mortgage risks?With <a title="CML Yearbook 2009/2010 page 14" href="http://viewer.zmags.co.uk/publication/64626b66?page=14"></a> <a title="CML Yearbook 2009/2010 page 15" href="http://viewer.zmags.co.uk/publication/64626b66?page=15">The outlook for mortgagearrears and possessions</a> The outlook for mortgagearrears and possessions<a title="CML Yearbook 2009/2010 page 16" href="http://viewer.zmags.co.uk/publication/64626b66?page=16"></a> <a title="CML Yearbook 2009/2010 page 17" href="http://viewer.zmags.co.uk/publication/64626b66?page=17">Our forecastsAlthough we are expecting arrears </a> Our forecastsAlthough we are expecting arrears <a title="CML Yearbook 2009/2010 page 18" href="http://viewer.zmags.co.uk/publication/64626b66?page=18"></a> <a title="CML Yearbook 2009/2010 page 19" href="http://viewer.zmags.co.uk/publication/64626b66?page=19">Some court actions for possessions will have been</a> Some court actions for possessions will have been<a title="CML Yearbook 2009/2010 page 20" href="http://viewer.zmags.co.uk/publication/64626b66?page=20">page 18</a> page 18<a title="CML Yearbook 2009/2010 page 21" href="http://viewer.zmags.co.uk/publication/64626b66?page=21">Court measuresLast November, the Civil Justice </a> Court measuresLast November, the Civil Justice <a title="CML Yearbook 2009/2010 page 22" href="http://viewer.zmags.co.uk/publication/64626b66?page=22">Standing out from the crowd</a> Standing out from the crowd<a title="CML Yearbook 2009/2010 page 23" href="http://viewer.zmags.co.uk/publication/64626b66?page=23">Getting the best from workingwith asset managers</a> Getting the best from workingwith asset managers<a title="CML Yearbook 2009/2010 page 24" href="http://viewer.zmags.co.uk/publication/64626b66?page=24">The undisputedmarket leaderProviding </a> The undisputedmarket leaderProviding <a title="CML Yearbook 2009/2010 page 25" href="http://viewer.zmags.co.uk/publication/64626b66?page=25">For lenders and asset managers alike, the key to </a> For lenders and asset managers alike, the key to <a title="CML Yearbook 2009/2010 page 26" href="http://viewer.zmags.co.uk/publication/64626b66?page=26">page 24</a> page 24<a title="CML Yearbook 2009/2010 page 27" href="http://viewer.zmags.co.uk/publication/64626b66?page=27">Why debt counselling mattersWith t</a> Why debt counselling mattersWith t<a title="CML Yearbook 2009/2010 page 28" href="http://viewer.zmags.co.uk/publication/64626b66?page=28">page 26</a> page 26<a title="CML Yearbook 2009/2010 page 29" href="http://viewer.zmags.co.uk/publication/64626b66?page=29">The Survey of English Housing has for many years </a> The Survey of English Housing has for many years <a title="CML Yearbook 2009/2010 page 30" href="http://viewer.zmags.co.uk/publication/64626b66?page=30">Debt Management Services LtdSt Peter's House, O</a> Debt Management Services LtdSt Peter's House, O<a title="CML Yearbook 2009/2010 page 31" href="http://viewer.zmags.co.uk/publication/64626b66?page=31">What we see is a clear correlation between disrup</a> What we see is a clear correlation between disrup<a title="CML Yearbook 2009/2010 page 32" href="http://viewer.zmags.co.uk/publication/64626b66?page=32"></a> <a title="CML Yearbook 2009/2010 page 33" href="http://viewer.zmags.co.uk/publication/64626b66?page=33">The future of legal services –a threat or an opp</a> The future of legal services –a threat or an opp<a title="CML Yearbook 2009/2010 page 34" href="http://viewer.zmags.co.uk/publication/64626b66?page=34">Conveyancing Searches Across The South HantsW</a> Conveyancing Searches Across The South HantsW<a title="CML Yearbook 2009/2010 page 35" href="http://viewer.zmags.co.uk/publication/64626b66?page=35">directly to consumers. Link ups between lenders </a> directly to consumers. Link ups between lenders <a title="CML Yearbook 2009/2010 page 36" href="http://viewer.zmags.co.uk/publication/64626b66?page=36"></a> <a title="CML Yearbook 2009/2010 page 37" href="http://viewer.zmags.co.uk/publication/64626b66?page=37">Valuations in a volatile houseprice environment</a> Valuations in a volatile houseprice environment<a title="CML Yearbook 2009/2010 page 38" href="http://viewer.zmags.co.uk/publication/64626b66?page=38">page 36</a> page 36<a title="CML Yearbook 2009/2010 page 39" href="http://viewer.zmags.co.uk/publication/64626b66?page=39">from volatile house prices. One particular area w</a> from volatile house prices. One particular area w<a title="CML Yearbook 2009/2010 page 40" href="http://viewer.zmags.co.uk/publication/64626b66?page=40">Scotland, Wales andNorthern Ireland round-up</a> Scotland, Wales andNorthern Ireland round-up<a title="CML Yearbook 2009/2010 page 41" href="http://viewer.zmags.co.uk/publication/64626b66?page=41">conservative lending criteria have affected the d</a> conservative lending criteria have affected the d<a title="CML Yearbook 2009/2010 page 42" href="http://viewer.zmags.co.uk/publication/64626b66?page=42">The Welsh marketIn the first three months of th</a> The Welsh marketIn the first three months of th<a title="CML Yearbook 2009/2010 page 43" href="http://viewer.zmags.co.uk/publication/64626b66?page=43">In the first three months of this year, there wer</a> In the first three months of this year, there wer<a title="CML Yearbook 2009/2010 page 44" href="http://viewer.zmags.co.uk/publication/64626b66?page=44">RemortgagingDuring the market down</a> RemortgagingDuring the market down<a title="CML Yearbook 2009/2010 page 45" href="http://viewer.zmags.co.uk/publication/64626b66?page=45">their fixed-rate mortgage ranges, reflecting the </a> their fixed-rate mortgage ranges, reflecting the <a title="CML Yearbook 2009/2010 page 46" href="http://viewer.zmags.co.uk/publication/64626b66?page=46">0203 174 0182page 44</a> 0203 174 0182page 44<a title="CML Yearbook 2009/2010 page 47" href="http://viewer.zmags.co.uk/publication/64626b66?page=47">HIP replacement?Since 6 April this</a> HIP replacement?Since 6 April this<a title="CML Yearbook 2009/2010 page 48" href="http://viewer.zmags.co.uk/publication/64626b66?page=48">Fasttrac SolicitorsWon by Coventry Building Soci</a> Fasttrac SolicitorsWon by Coventry Building Soci<a title="CML Yearbook 2009/2010 page 49" href="http://viewer.zmags.co.uk/publication/64626b66?page=49">HIP providers), and significant training and impl</a> HIP providers), and significant training and impl<a title="CML Yearbook 2009/2010 page 50" href="http://viewer.zmags.co.uk/publication/64626b66?page=50"></a> <a title="CML Yearbook 2009/2010 page 51" href="http://viewer.zmags.co.uk/publication/64626b66?page=51">Prospects for thebuy-to-let marketNo</a> Prospects for thebuy-to-let marketNo<a title="CML Yearbook 2009/2010 page 52" href="http://viewer.zmags.co.uk/publication/64626b66?page=52">The reduction in the number of active buy-to-let </a> The reduction in the number of active buy-to-let <a title="CML Yearbook 2009/2010 page 53" href="http://viewer.zmags.co.uk/publication/64626b66?page=53">And there will be limited appetite from amateur o</a> And there will be limited appetite from amateur o<a title="CML Yearbook 2009/2010 page 54" href="http://viewer.zmags.co.uk/publication/64626b66?page=54">page 52</a> page 52<a title="CML Yearbook 2009/2010 page 55" href="http://viewer.zmags.co.uk/publication/64626b66?page=55">LPA Receiver of RentThe recession </a> LPA Receiver of RentThe recession <a title="CML Yearbook 2009/2010 page 56" href="http://viewer.zmags.co.uk/publication/64626b66?page=56">page 54</a> page 54<a title="CML Yearbook 2009/2010 page 57" href="http://viewer.zmags.co.uk/publication/64626b66?page=57">Lenders are increasingly appointing a receiver of</a> Lenders are increasingly appointing a receiver of<a title="CML Yearbook 2009/2010 page 58" href="http://viewer.zmags.co.uk/publication/64626b66?page=58">page 56</a> page 56<a title="CML Yearbook 2009/2010 page 59" href="http://viewer.zmags.co.uk/publication/64626b66?page=59">Mortgage Technology – A viewof future IT investm</a> Mortgage Technology – A viewof future IT investm<a title="CML Yearbook 2009/2010 page 60" href="http://viewer.zmags.co.uk/publication/64626b66?page=60">TransPromo – Transforming Financial Service Mark</a> TransPromo – Transforming Financial Service Mark<a title="CML Yearbook 2009/2010 page 61" href="http://viewer.zmags.co.uk/publication/64626b66?page=61"></a> <a title="CML Yearbook 2009/2010 page 62" href="http://viewer.zmags.co.uk/publication/64626b66?page=62">that have led to increased and unsustainable cost</a> that have led to increased and unsustainable cost<a title="CML Yearbook 2009/2010 page 63" href="http://viewer.zmags.co.uk/publication/64626b66?page=63">The outlook formortgage distribution</a> The outlook formortgage distribution<a title="CML Yearbook 2009/2010 page 64" href="http://viewer.zmags.co.uk/publication/64626b66?page=64">model of procuration fees paid by lenders for eac</a> model of procuration fees paid by lenders for eac<a title="CML Yearbook 2009/2010 page 65" href="http://viewer.zmags.co.uk/publication/64626b66?page=65">Mortgage fraud:latest developmentsCh</a> Mortgage fraud:latest developmentsCh<a title="CML Yearbook 2009/2010 page 66" href="http://viewer.zmags.co.uk/publication/64626b66?page=66">brokers. By looking at information from a variety</a> brokers. By looking at information from a variety<a title="CML Yearbook 2009/2010 page 67" href="http://viewer.zmags.co.uk/publication/64626b66?page=67">What lenders needto make low-costhomeownership</a> What lenders needto make low-costhomeownership<a title="CML Yearbook 2009/2010 page 68" href="http://viewer.zmags.co.uk/publication/64626b66?page=68"></a> <a title="CML Yearbook 2009/2010 page 69" href="http://viewer.zmags.co.uk/publication/64626b66?page=69">18,000 home purchases in a year, compared to our </a> 18,000 home purchases in a year, compared to our <a title="CML Yearbook 2009/2010 page 70" href="http://viewer.zmags.co.uk/publication/64626b66?page=70">The HCA envisages no more than 20,000 shared owne</a> The HCA envisages no more than 20,000 shared owne<a title="CML Yearbook 2009/2010 page 71" href="http://viewer.zmags.co.uk/publication/64626b66?page=71">New BuildHouse builders have suffe</a> New BuildHouse builders have suffe<a title="CML Yearbook 2009/2010 page 72" href="http://viewer.zmags.co.uk/publication/64626b66?page=72">COUNCILof MORTGAGELENDERS YEARBOOK 2009/2010C</a> COUNCILof MORTGAGELENDERS YEARBOOK 2009/2010C<a title="CML Yearbook 2009/2010 page 73" href="http://viewer.zmags.co.uk/publication/64626b66?page=73">In the face of low sales volumes, many developers</a> In the face of low sales volumes, many developers<a title="CML Yearbook 2009/2010 page 74" href="http://viewer.zmags.co.uk/publication/64626b66?page=74">page 72</a> page 72<a title="CML Yearbook 2009/2010 page 75" href="http://viewer.zmags.co.uk/publication/64626b66?page=75">Mortgage protectionWhile the CML’s</a> Mortgage protectionWhile the CML’s<a title="CML Yearbook 2009/2010 page 76" href="http://viewer.zmags.co.uk/publication/64626b66?page=76">Leaders in Specialist Media> Full Publishing S</a> Leaders in Specialist Media> Full Publishing S<a title="CML Yearbook 2009/2010 page 77" href="http://viewer.zmags.co.uk/publication/64626b66?page=77">providers and intermediaries and can only be over</a> providers and intermediaries and can only be over<a title="CML Yearbook 2009/2010 page 78" href="http://viewer.zmags.co.uk/publication/64626b66?page=78"></a> <a title="CML Yearbook 2009/2010 page 79" href="http://viewer.zmags.co.uk/publication/64626b66?page=79"></a> <a title="CML Yearbook 2009/2010 page 80" href="http://viewer.zmags.co.uk/publication/64626b66?page=80"></a> <a title="CML Yearbook 2009/2010 page 81" href="http://viewer.zmags.co.uk/publication/64626b66?page=81">Members' & Associates' </a> Members' & Associates' <a title="CML Yearbook 2009/2010 page 82" href="http://viewer.zmags.co.uk/publication/64626b66?page=82">MEMBERSMembers' indexAbbey Nationa</a> MEMBERSMembers' indexAbbey Nationa<a title="CML Yearbook 2009/2010 page 83" href="http://viewer.zmags.co.uk/publication/64626b66?page=83">MEMBERSHomeloan Management Limited ....</a> MEMBERSHomeloan Management Limited ....<a title="CML Yearbook 2009/2010 page 84" href="http://viewer.zmags.co.uk/publication/64626b66?page=84">MEMBERSAbbey National plcHead </a> MEMBERSAbbey National plcHead <a title="CML Yearbook 2009/2010 page 85" href="http://viewer.zmags.co.uk/publication/64626b66?page=85">MEMBERSAhli United Bank ( UK ) plcHead </a> MEMBERSAhli United Bank ( UK ) plcHead <a title="CML Yearbook 2009/2010 page 86" href="http://viewer.zmags.co.uk/publication/64626b66?page=86">MEMBERSAirdrie Savings BankHead Office:</a> MEMBERSAirdrie Savings BankHead Office:<a title="CML Yearbook 2009/2010 page 87" href="http://viewer.zmags.co.uk/publication/64626b66?page=87">MEMBERSAllied Irish Bank (GB)Head Offic</a> MEMBERSAllied Irish Bank (GB)Head Offic<a title="CML Yearbook 2009/2010 page 88" href="http://viewer.zmags.co.uk/publication/64626b66?page=88">MEMBERSAviva Equity Release UK LimitedH</a> MEMBERSAviva Equity Release UK LimitedH<a title="CML Yearbook 2009/2010 page 89" href="http://viewer.zmags.co.uk/publication/64626b66?page=89">MEMBERSBank of Ireland MortgagesHead Of</a> MEMBERSBank of Ireland MortgagesHead Of<a title="CML Yearbook 2009/2010 page 90" href="http://viewer.zmags.co.uk/publication/64626b66?page=90">MEMBERSBasinghall Finance PLCHead Offic</a> MEMBERSBasinghall Finance PLCHead Offic<a title="CML Yearbook 2009/2010 page 91" href="http://viewer.zmags.co.uk/publication/64626b66?page=91">MEMBERSBradford & Bingley PLCHead Offic</a> MEMBERSBradford & Bingley PLCHead Offic<a title="CML Yearbook 2009/2010 page 92" href="http://viewer.zmags.co.uk/publication/64626b66?page=92">MEMBERSBritannia Building SocietyHead Of</a> MEMBERSBritannia Building SocietyHead Of<a title="CML Yearbook 2009/2010 page 93" href="http://viewer.zmags.co.uk/publication/64626b66?page=93">MEMBERSCentral Homeloans LimitedHead Of</a> MEMBERSCentral Homeloans LimitedHead Of<a title="CML Yearbook 2009/2010 page 94" href="http://viewer.zmags.co.uk/publication/64626b66?page=94">MEMBERSChelsea Mortgage ServicesHead Of</a> MEMBERSChelsea Mortgage ServicesHead Of<a title="CML Yearbook 2009/2010 page 95" href="http://viewer.zmags.co.uk/publication/64626b66?page=95">MEMBERSCheshire Mortgage Corporation Limite</a> MEMBERSCheshire Mortgage Corporation Limite<a title="CML Yearbook 2009/2010 page 96" href="http://viewer.zmags.co.uk/publication/64626b66?page=96">MEMBERSCHL MortgagesHead Office:Admira</a> MEMBERSCHL MortgagesHead Office:Admira<a title="CML Yearbook 2009/2010 page 97" href="http://viewer.zmags.co.uk/publication/64626b66?page=97">MEMBERSChurch House Trust PlcHead Offic</a> MEMBERSChurch House Trust PlcHead Offic<a title="CML Yearbook 2009/2010 page 98" href="http://viewer.zmags.co.uk/publication/64626b66?page=98">MEMBERSCo-operative Bank plc (The)Head </a> MEMBERSCo-operative Bank plc (The)Head <a title="CML Yearbook 2009/2010 page 99" href="http://viewer.zmags.co.uk/publication/64626b66?page=99">MEMBERSCredit & Mercantile PlcHead Offi</a> MEMBERSCredit & Mercantile PlcHead Offi<a title="CML Yearbook 2009/2010 page 100" href="http://viewer.zmags.co.uk/publication/64626b66?page=100">MEMBERSCumberland Building SocietyHead </a> MEMBERSCumberland Building SocietyHead <a title="CML Yearbook 2009/2010 page 101" href="http://viewer.zmags.co.uk/publication/64626b66?page=101">MEMBERSDB UK Bank Limited (db mortgages)</a> MEMBERSDB UK Bank Limited (db mortgages)<a title="CML Yearbook 2009/2010 page 102" href="http://viewer.zmags.co.uk/publication/64626b66?page=102">MEMBERSEcology Building SocietyHead Off</a> MEMBERSEcology Building SocietyHead Off<a title="CML Yearbook 2009/2010 page 103" href="http://viewer.zmags.co.uk/publication/64626b66?page=103">MEMBERSFirst Trust BankHead Office:4 Q</a> MEMBERSFirst Trust BankHead Office:4 Q<a title="CML Yearbook 2009/2010 page 104" href="http://viewer.zmags.co.uk/publication/64626b66?page=104">MEMBERSGE Money Home Lending LimitedHea</a> MEMBERSGE Money Home Lending LimitedHea<a title="CML Yearbook 2009/2010 page 105" href="http://viewer.zmags.co.uk/publication/64626b66?page=105">MEMBERSHampshire Trust plcHead Office:</a> MEMBERSHampshire Trust plcHead Office:<a title="CML Yearbook 2009/2010 page 106" href="http://viewer.zmags.co.uk/publication/64626b66?page=106">MEMBERSHinckley and Rugby Building Society</a> MEMBERSHinckley and Rugby Building Society<a title="CML Yearbook 2009/2010 page 107" href="http://viewer.zmags.co.uk/publication/64626b66?page=107">MEMBERSHomeloan Management LimitedHead </a> MEMBERSHomeloan Management LimitedHead <a title="CML Yearbook 2009/2010 page 108" href="http://viewer.zmags.co.uk/publication/64626b66?page=108">MEMBERSING Direct N.V.Head Office:410 </a> MEMBERSING Direct N.V.Head Office:410 <a title="CML Yearbook 2009/2010 page 109" href="http://viewer.zmags.co.uk/publication/64626b66?page=109">MEMBERSJust Retirement plcHead Office:</a> MEMBERSJust Retirement plcHead Office:<a title="CML Yearbook 2009/2010 page 110" href="http://viewer.zmags.co.uk/publication/64626b66?page=110">Leaders in Specialist Media> Full Publishing Se</a> Leaders in Specialist Media> Full Publishing Se<a title="CML Yearbook 2009/2010 page 111" href="http://viewer.zmags.co.uk/publication/64626b66?page=111">MEMBERSLeeds Building SocietyHead Offic</a> MEMBERSLeeds Building SocietyHead Offic<a title="CML Yearbook 2009/2010 page 112" href="http://viewer.zmags.co.uk/publication/64626b66?page=112">MEMBERSLV Equity Release LimitedHead Of</a> MEMBERSLV Equity Release LimitedHead Of<a title="CML Yearbook 2009/2010 page 113" href="http://viewer.zmags.co.uk/publication/64626b66?page=113">MEMBERSMarket Harborough Building Society</a> MEMBERSMarket Harborough Building Society<a title="CML Yearbook 2009/2010 page 114" href="http://viewer.zmags.co.uk/publication/64626b66?page=114">MEMBERSMonmouthshire Building SocietyHe</a> MEMBERSMonmouthshire Building SocietyHe<a title="CML Yearbook 2009/2010 page 115" href="http://viewer.zmags.co.uk/publication/64626b66?page=115">MEMBERSMortgages plcHead Office:Spectr</a> MEMBERSMortgages plcHead Office:Spectr<a title="CML Yearbook 2009/2010 page 116" href="http://viewer.zmags.co.uk/publication/64626b66?page=116">MEMBERSNational Westminster Home Loans Ltd</a> MEMBERSNational Westminster Home Loans Ltd<a title="CML Yearbook 2009/2010 page 117" href="http://viewer.zmags.co.uk/publication/64626b66?page=117">MEMBERSNew Life Mortgages LimitedHead O</a> MEMBERSNew Life Mortgages LimitedHead O<a title="CML Yearbook 2009/2010 page 118" href="http://viewer.zmags.co.uk/publication/64626b66?page=118">MEMBERSNewcastle Building SocietyHead O</a> MEMBERSNewcastle Building SocietyHead O<a title="CML Yearbook 2009/2010 page 119" href="http://viewer.zmags.co.uk/publication/64626b66?page=119">MEMBERSNorthern Rock plcHead Office:No</a> MEMBERSNorthern Rock plcHead Office:No<a title="CML Yearbook 2009/2010 page 120" href="http://viewer.zmags.co.uk/publication/64626b66?page=120">MEMBERSNottingham Building SocietyHead </a> MEMBERSNottingham Building SocietyHead <a title="CML Yearbook 2009/2010 page 121" href="http://viewer.zmags.co.uk/publication/64626b66?page=121">MEMBERSParagon Mortgages LimitedHead Of</a> MEMBERSParagon Mortgages LimitedHead Of<a title="CML Yearbook 2009/2010 page 122" href="http://viewer.zmags.co.uk/publication/64626b66?page=122">MEMBERSPrincipality Building SocietyHea</a> MEMBERSPrincipality Building SocietyHea<a title="CML Yearbook 2009/2010 page 123" href="http://viewer.zmags.co.uk/publication/64626b66?page=123">MEMBERSRoyal Bank of Scotland plc (The)</a> MEMBERSRoyal Bank of Scotland plc (The)<a title="CML Yearbook 2009/2010 page 124" href="http://viewer.zmags.co.uk/publication/64626b66?page=124">MEMBERSSainsbury's Bank plcHead Office:</a> MEMBERSSainsbury's Bank plcHead Office:<a title="CML Yearbook 2009/2010 page 125" href="http://viewer.zmags.co.uk/publication/64626b66?page=125">MEMBERSSkipton Building SocietyHead Off</a> MEMBERSSkipton Building SocietyHead Off<a title="CML Yearbook 2009/2010 page 126" href="http://viewer.zmags.co.uk/publication/64626b66?page=126">MEMBERSStroud and Swindon Building Society</a> MEMBERSStroud and Swindon Building Society<a title="CML Yearbook 2009/2010 page 127" href="http://viewer.zmags.co.uk/publication/64626b66?page=127">MEMBERSTipton & Coseley Building Society</a> MEMBERSTipton & Coseley Building Society<a title="CML Yearbook 2009/2010 page 128" href="http://viewer.zmags.co.uk/publication/64626b66?page=128">MEMBERSTopaz Finance PLCHead Office:10</a> MEMBERSTopaz Finance PLCHead Office:10<a title="CML Yearbook 2009/2010 page 129" href="http://viewer.zmags.co.uk/publication/64626b66?page=129">MEMBERSUlster BankHead Office:Group He</a> MEMBERSUlster BankHead Office:Group He<a title="CML Yearbook 2009/2010 page 130" href="http://viewer.zmags.co.uk/publication/64626b66?page=130">MEMBERSWave Lending LimitedHead Office:</a> MEMBERSWave Lending LimitedHead Office:<a title="CML Yearbook 2009/2010 page 131" href="http://viewer.zmags.co.uk/publication/64626b66?page=131">MEMBERSYorkshire Building SocietyHead O</a> MEMBERSYorkshire Building SocietyHead O<a title="CML Yearbook 2009/2010 page 132" href="http://viewer.zmags.co.uk/publication/64626b66?page=132">ASSOCIATESAssociates Addendummovewithus </a> ASSOCIATESAssociates Addendummovewithus <a title="CML Yearbook 2009/2010 page 133" href="http://viewer.zmags.co.uk/publication/64626b66?page=133">ASSOCIATESAssociate members' index</a> ASSOCIATESAssociate members' index<a title="CML Yearbook 2009/2010 page 134" href="http://viewer.zmags.co.uk/publication/64626b66?page=134">ASSOCIATESAberdein Considine & Company</a> ASSOCIATESAberdein Considine & Company<a title="CML Yearbook 2009/2010 page 135" href="http://viewer.zmags.co.uk/publication/64626b66?page=135">ASSOCIATESB Legal LimitedHead Office:O</a> ASSOCIATESB Legal LimitedHead Office:O<a title="CML Yearbook 2009/2010 page 136" href="http://viewer.zmags.co.uk/publication/64626b66?page=136">ASSOCIATESCalnea Analytics LtdHead Offi</a> ASSOCIATESCalnea Analytics LtdHead Offi<a title="CML Yearbook 2009/2010 page 137" href="http://viewer.zmags.co.uk/publication/64626b66?page=137">ASSOCIATESCheckmate Mortgages LtdHead O</a> ASSOCIATESCheckmate Mortgages LtdHead O<a title="CML Yearbook 2009/2010 page 138" href="http://viewer.zmags.co.uk/publication/64626b66?page=138">ASSOCIATESCobbetts LLPHead Office:58 M</a> ASSOCIATESCobbetts LLPHead Office:58 M<a title="CML Yearbook 2009/2010 page 139" href="http://viewer.zmags.co.uk/publication/64626b66?page=139">ASSOCIATESCrown Mortgage Management Ltd</a> ASSOCIATESCrown Mortgage Management Ltd<a title="CML Yearbook 2009/2010 page 140" href="http://viewer.zmags.co.uk/publication/64626b66?page=140">ASSOCIATESEversheds LLPHead Office:One</a> ASSOCIATESEversheds LLPHead Office:One<a title="CML Yearbook 2009/2010 page 141" href="http://viewer.zmags.co.uk/publication/64626b66?page=141">ASSOCIATESFitch RatingsLondon Head Offi</a> ASSOCIATESFitch RatingsLondon Head Offi<a title="CML Yearbook 2009/2010 page 142" href="http://viewer.zmags.co.uk/publication/64626b66?page=142">ASSOCIATESHamlins LLPHead Office:Roxbu</a> ASSOCIATESHamlins LLPHead Office:Roxbu<a title="CML Yearbook 2009/2010 page 143" href="http://viewer.zmags.co.uk/publication/64626b66?page=143">ASSOCIATESIBM Global Business ServicesU</a> ASSOCIATESIBM Global Business ServicesU<a title="CML Yearbook 2009/2010 page 144" href="http://viewer.zmags.co.uk/publication/64626b66?page=144">ASSOCIATESKPMG LLPHead Office:One Cana</a> ASSOCIATESKPMG LLPHead Office:One Cana<a title="CML Yearbook 2009/2010 page 145" href="http://viewer.zmags.co.uk/publication/64626b66?page=145">ASSOCIATESLondon General Insurance Company </a> ASSOCIATESLondon General Insurance Company <a title="CML Yearbook 2009/2010 page 146" href="http://viewer.zmags.co.uk/publication/64626b66?page=146">ASSOCIATESMazars LLPHead Office:Tower B</a> ASSOCIATESMazars LLPHead Office:Tower B<a title="CML Yearbook 2009/2010 page 147" href="http://viewer.zmags.co.uk/publication/64626b66?page=147">ASSOCIATESMorton Fraser LLPHead Office:</a> ASSOCIATESMorton Fraser LLPHead Office:<a title="CML Yearbook 2009/2010 page 148" href="http://viewer.zmags.co.uk/publication/64626b66?page=148">ASSOCIATESPaymentshield LtdHead Office:</a> ASSOCIATESPaymentshield LtdHead Office:<a title="CML Yearbook 2009/2010 page 149" href="http://viewer.zmags.co.uk/publication/64626b66?page=149">ASSOCIATESRegisters of ScotlandHead Off</a> ASSOCIATESRegisters of ScotlandHead Off<a title="CML Yearbook 2009/2010 page 150" href="http://viewer.zmags.co.uk/publication/64626b66?page=150">ASSOCIATESRosling King LLPHead Office:</a> ASSOCIATESRosling King LLPHead Office:<a title="CML Yearbook 2009/2010 page 151" href="http://viewer.zmags.co.uk/publication/64626b66?page=151">ASSOCIATESShoosmithsHead Office:The La</a> ASSOCIATESShoosmithsHead Office:The La<a title="CML Yearbook 2009/2010 page 152" href="http://viewer.zmags.co.uk/publication/64626b66?page=152">page 148</a> page 148<a title="CML Yearbook 2009/2010 page 153" href="http://viewer.zmags.co.uk/publication/64626b66?page=153">ASSOCIATESStephenson HarwoodHead Office:</a> ASSOCIATESStephenson HarwoodHead Office:<a title="CML Yearbook 2009/2010 page 154" href="http://viewer.zmags.co.uk/publication/64626b66?page=154">ASSOCIATESTaylor Wessing LLPHead Office</a> ASSOCIATESTaylor Wessing LLPHead Office<a title="CML Yearbook 2009/2010 page 155" href="http://viewer.zmags.co.uk/publication/64626b66?page=155">ASSOCIATESTietoHead Office:Gainsboroug</a> ASSOCIATESTietoHead Office:Gainsboroug<a title="CML Yearbook 2009/2010 page 156" href="http://viewer.zmags.co.uk/publication/64626b66?page=156">ASSOCIATESUBS AGHead Office:ZurichTel</a> ASSOCIATESUBS AGHead Office:ZurichTel<a title="CML Yearbook 2009/2010 page 157" href="http://viewer.zmags.co.uk/publication/64626b66?page=157">ASSOCIATESWillis LimitedHead Office:Th</a> ASSOCIATESWillis LimitedHead Office:Th<a title="CML Yearbook 2009/2010 page 158" href="http://viewer.zmags.co.uk/publication/64626b66?page=158">ADVERTISERS' INDEXABERDEIN. CONSIDINE & </a> ADVERTISERS' INDEXABERDEIN. CONSIDINE & <a title="CML Yearbook 2009/2010 page 159" href="http://viewer.zmags.co.uk/publication/64626b66?page=159"></a> <a title="CML Yearbook 2009/2010 page 160" href="http://viewer.zmags.co.uk/publication/64626b66?page=160"></a> <a title="CML Yearbook 2009/2010 page 161" href="http://viewer.zmags.co.uk/publication/64626b66?page=161"></a> <a title="CML Yearbook 2009/2010 page 162" href="http://viewer.zmags.co.uk/publication/64626b66?page=162"></a>