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The Council of Mortgage Lender's Handbook for England and Wales

"5.2.5 Check to see if we accept personal searches or search insurance. If we do, you must take reasonable steps to check that a suitable qualified search agent carried out the personal search or that the search insurance policy adequately protects us. You must be satisfied that you will be able to certify that the title is good and marketable."

‘ There are currently only about half a dozen ‘high street lenders that still will not allow the use of personal searches. As WSA is constantly updating the position, please call or email the offices in order that we can send you our most current list of approved lenders.