Type of membership: Associate, UKValuation Ltd Head office: Vertex House, Greencourts Business Park, 333 Styal Road, Manchester, M22 5TX Head office: edeus house, 1 Trinity Court, Broadlands, Wolverhampton, WV10 6UH Type of membership: Member, Barclays Head office: Citigroup Centre, Canada Square, London, E14 5LB Head office: 36 Sutton Court Road, Sutton, Surrey, SM1 4TE Type of membership: Associate, The Property Search Group Type of membership: Associate, Rightmove Data Head office: CityPoint, Temple Gate, Bristol, BS1 6PL Type of membership: Member, Cumberland Building Society Registered in England No: 3642459 | Website by Fuelius. Head office: Castle Street, Macclesfield, Cheshire, SK11 6AF, DX 25001 MACCLESFIELD-2 Type of membership: Associate, Fuel Investments Ltd You can take a look for free and see how Criteria Brain can help you become a better advisor, Premier Guarantee (New Homes, Self-Build and Completed Housing), BLP (Building Life Plans) residential housing warranty insurance (BLP Secure and Secure Plus), BOPAS (Build offsite Property Assurance Scheme), LABC Warranty (New Homes, Self-Build, Completed Housing), Build Zone 10 year warranty (New Home, Self- Build, Completed Housing), Global Home Warranties 10 year Structural Defect Insurance, Q Assure Build (Q Policy for Residential and Bespoke Properties), The Royal Institution of Chartered Surveyors (FRICS, MRICS) Building Surveyors only, The Institute of Structural Engineers (FIStructE, MIStructE), The Chartered Institute of Building (FCIOB, MCIOB), The Association of Building Engineers (FB Eng, MB Eng), The Chartered Institute of Civil Engineers (FICE, MICE), Architect Registered with the Architects Registration Board (ARB). Company number 10250295. The Council of Mortgage Lenders' Handbook. Head office: Ambassador House, Paradise Road, Richmond upon Thames, Surrey, TW9 1SQ Type of membership: Member, Cheltenham & Gloucester plc Type of membership: Member, Coventry Building Society Type of membership: Member, Bradford & Bingley plc Head office: 4 Queens Square, Belfast, BT1 3DJ Type of membership: Member, Vernon Building Society The warranty is provided either When you buy a new build or a recently converted property your mortgage lender will require you to gain a warranty to protect the building. Type of membership: Member, Nottingham Building Society Head office: Winchester House, 1 Great Winchester Street, London, EC2N 2DB Head office: 25 Basinghall Street, London, EC2V 5HA Head office: The Lakes, Northampton, NN4 7SH, DX 712280 NORTHAMPTON 12 Best Mortgage Lenders of February 2023. Better: Best for refinancing. Type of membership: Associate, Sterling Insurance Group Limited Type of membership: Member, Future Mortgages Ltd Type of membership: Member, Bristol & West Investments Plc News > New lifetime mortgage provider gets FCA approval. The lenders on this list have agreed to accept tax calculations and tax year overviews that customers, or their agents or accountants, have printed themselves. Type of membership: Associate, Legal Marketing Services Limited Type of membership: Member, Newcastle Building Society A structural defect warranty is expected on a property of 10 years or less (a few lenders might expect 12). A warranty scheme acts as insurance covering named defects to the property. . PNC Bank: Best for . A building warranty, also known as a structural warranty or latent defects insurance, protects against damage caused by defects in the design, workmanship, materials, or components in new buildings or converted properties. We also support the home buying process through the UK Finance Handbook and our work with governments and representatives from the legal communities. Type of membership: Member, Dunfermline Building Society 7 Best Home Warranty Companies [2023] 7 Best Home Security Systems [2023] More Reviews; . Type of membership: Member, Bank of Ireland Home Mortgages Ltd If you do find your lender is not listed below, please contact us and we will assist you. Type of membership: Member, Stonehaven UK Ltd Head office: Fourth Floor, Grand Mill Quay, Barrow Street, Dublin 4, Ireland This certificate used to be known as an 'Architects Certificate' and is not an insurance policy or structural warranty ; however, it is possible to start with this low cost option . Type of membership: Member, Standard Life Bank Ltd Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Type of membership: Associate, Ernst & Young LLP Type of membership: Member, Monmouthshire Building Society Head office: Eastern Gate, Brants Bridge, Bracknell, Berkshire, RG12 9BZ, DX 33624 BRACKNELL If you An Architect must be registered with the Architects Registration Board even if also a member of another institution, eg The Royal Institute of British Architects (ARIBA). Head office: 100 Liverpool Street, London, EC2M 2RH . New American Funding: Best for low APR. Type of membership: Member, The Woolwich Some lenders will simply not accept applications for homes with leased panels. Head office: 4 Thorpe Way, Grove Park, Enderby, Leicester, LE19 1SU Type of membership: Member, Platform Head office: Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ Type of membership: Member, Ulster Bank Ltd HMRC is to stop issuing paper copies of clients' tax calculations and tax year overviews for mortgage applications for self employed people using tax agents, insisting that it has come to an agreement with the Council of Mortgage Lenders about accepting online print outs. This enables us to offer a new level of customer protection . Registered in England No: 3642459 | Website by, https://lendershandbook.ukfinance.org.uk/lenders-handbook/, IPIDs (Insurance Product Information Documents). Regardless if you are a property developer, house builder or private client looking to do their own Self-Build . Head office: Rowcroft, Stroud, Gloucestershire, GL5 3BG, DX 122260 STROUD-3 fellow or member of the Royal Institution of Chartered Surveyors (FRICS or MRICS); or, fellow or member of the Institution of Structural Engineers (F.I.Struct.E or M.I.Struct.E); or, fellow or member of the Chartered Institute of Building (FCIOB or MCIOB); or, fellow or member of the Architecture and Surveying Institute (FASI or MASI) (only if in conjunction with a FCIOB or MCIOB qualification); or, fellow or member of the Chartered Association of Building Engineers (C.Build E MCABE and C.Build E FCABE); or, member of the Chartered Institute of Architectural Technologists (formerly British Institute of Architectural Technologists) (MCIAT); or, architect registered with the Architects Registration Board (ARB). A Structural Warranty is an insurance policy designed to protect funders a nd homeowners from latent structural defects that may occur following the practical completion of a build. If you think you may have been a victim of a scam please contact your bank immediately and report it to Head office: Welland House, The Square, Market Harborough, Leicestershire, LE16 7PD, DX 27312 MARKET HARBOROUGH The company offers a variety of loan products, such as bank statement loans, coops, construction loans, downpayment assistance programs, and . Head office: 121 Kings Road, Reading, Berkshire, RG1 3ES Unit 2, Enterprise Way, Head office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX Type of membership: Member, Halifax plc Kent, Head office: 125 London Wall, London, EC2Y 5AJ The Council of Mortgage Lenders was an industry body representing mortgage lenders in the United Kingdom . Type of membership: Member, Beverley Building Society Head office: Ten Trinity Square, London, EC3P 3AX Our warranties are recognised by the vast majority of mortgage lenders and can be used to raise a mortgage. Type of membership: Associate, B Legal Limited A member of our team will phone at a time convenient for you. Call: 02039 233 648 Type of membership: Associate, Allied Surveyors plc Head office: 1 More London Place, London, SE1 2AF Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 This can be accessed on-line viahttps://lendershandbook.ukfinance.org.uk/lenders-handbook/. Head office: 9 Spring Street, London, W2 3RA Type of membership: Member, Church House Trust Plc 1 Choice for CML Approved Building Certificates. It means lenders will not release the mortgage funds until your solicitor has received confirmation from the builder that the property has passed a pre-handover inspection by NHBC or another warranty provider. Type of membership: Member, Teachers Building Society For more property-related statistics, download the PDF below. Type of membership: Member, JPMorgan Chase Bank, N.A. Head office: 180 Brompton Road, London, SW3 1HQ Head office: Millennium Bridge House, 2 Lambeth Hill, London, EC4V 4AJ Head office: Reading International Business Park, Basingstoke Road, Reading, RG2 6DB Type of membership: Member, Chesham Building Society Type of membership: Member, Prudential Lifetime Mortgages Type of membership: Member, New Life Mortgages Ltd Head office: St. Johns Place, Easton Street, High Wycombe, Bucks, HP11 1NL, DX 149220 High Wycombe Head office: Wellington Mills, 70 Plover Road, Huddersfield, HD3 3HR It helps people to get pre-qualified and pre-approved by lenders so they can purchase a residential property. Type of membership: Member, Manchester Building Society Approved Mortgage Lenders. It must be administered by a professional consultant, like an architect. The team at Gustan Cho Associates is available 7 days a week, evenings, weekends, and holidays. Mortgage Lenders will only lend on a property if it is covered by an approved warranty policy or a Council of Mortgage Lenders (CML) Professional Consultants Certificate (PCC). By downloading this document, you understand and agree that any sharing, distribution or republishing of the content, without prior written authorisation from the author or content managers at UK Finance, shall be constituted as a breach of the UK Finance website terms of use. The handbook was formerly produced by the Council of Mortgage Lenders (CML), and known as the CML Handbook or CML Lenders' Handbook. Head office: Customer Service Centre, Narborough, Leicester, LE19 0AL, DX 11000 LEICESTER Type of membership: Member, Direct Line Financial Services Ltd BOPAS is an independent Third Party Accreditation of MMC Providers and their associated construction systems, providing assurance to Lenders, Developers and Homeowners as to the integrity and durability of properties accredited under the scheme. Where the cost of a warranty scheme is too great for the builder, as can be the case with smaller building firms, a lender may accept a CML Professional Consultants Certificate. Head office: The Bailey, Skipton, North Yorkshire, BD23 1DN, DX 21757 SKIPTON Head office: 1 Balloon Street, Manchester, M60 4EP Type of membership: Member, Counties Home Loan Management Head office: Legal & General House, St Monicas Road, Kingswood, Tadworth, Surrey, KT20 6EU You can use the search function to find a range of UK Finance material, from consultation responses to thought leadership to blogs, or to find content on a range of topics from Brexit to commercial finance. PenFed Credit Union: Best credit union for mortgages. This causes a variety of unwelcome issues. Type of membership: Member, Lloyds TSB Scotland plc The latter is often referred to as a Professional Consultants Certificate (PCC).Whilst there are a number of warranty providers it is the NHBC Buildmark warranty that is the most universally adopted and which applies to around 80% of new build properties in the UK.Building Warranty Providers. If a property development is to be sold, rented or financed against upon completion, a form of comfort that is recognised by UK Mortgage Lenders will need to be in place, as detailed within the UK Finance Mortgage Lenders handbook for conveyancers. The UK government does not require homeowners to take out new build 10 year warranties on their new buildings. Type of membership: Associate, Countrywide plc Clarification of existing guidance and rules is useful given that expectations on forbearance and impairment is contained in various thematic reviews, ad-hoc guidance, and market studies published over many years by the FCA and its predecessor, the Financial Services Authority (FSA). 1.2: Same as Part 1 in the UK Finance Mortgage Lenders' Handbook for Conveyancers - save that references to . You can also see which Lenders currently list Q as an Approved Scheme here: https://lendershandbook.ukfinance.org.uk/lenders-handbook/. Type of membership: Member, Cambridge Building Society A mortgage lender sponsors an educational lunch for real estate agents where employees of the lender are invited to speak. Head office: Westgate Chambers, 3 High Street, Chipping Sodbury, Gloucestershire, BS37 6BA, DX 56804 CHIPPING SODBURY Head office: Sir William Atkins House, Ashley Avenue, Epsom, Surrey, KT18 5AS, DX 30718 EPSOM Type of membership: Member, Melton Mowbray Building Society Published 9 August 2016 Last updated . Weve got a jam, Great work from our Customer Service team. Head office: Warwick House, 737 Warwick Road, Solihull, B91 3DG, DX 14038 SOLIHULL 2 The handbook for England & Wales also includes a part 3 which sets out standard instructions to be used where a conveyancer is representing the lender but not the borrower. Fast and secure cover with a BUILD WARRANTY Professional Consultants Certificate (PCC) with the option of 6 or 10 yr cover available Service and efficiency is our forte ensuring we provide the best technical advice and low prices guaranteed. The value of new mortgage commitments (lending . The No. Type of membership: Associate, Cobbetts LLP LABC Warranty works in partnership with Local Authority Building Control to provide structural warranty services for developers, builders and housing providers. Type of membership: Member, Scottish Building Society Head office: 410 Thames Valley Park Drive, Reading, Berks, RG6 1RH, DX 84150 CAVERSHAM Type of membership: Associate, Tiger Global Management, LLC We can offer both warrantable and non-warrantable condo financing. The Handbook is voluntary for lenders and not all choose to use it. Head office: 8 & 9 Bon Accord Crescent, Aberdeen, AB11 6DN Type of membership: Member, Birmingham Midshires Head office: PO Box 236, Wilmslow, SK9 1WT We help our members to implement regulatory initiatives through a compliant and customer-focused approach, and by sharing best practice across the industry. 3) Ruoff Home Mortgage Nathanael Peppi Jones NMLS# 1841663. If they are not listed then you should contact them direct for instructions. We've worked closely with our providers to offer a Structural Warranty policy that is designed to meet your needs. Head office: Regent House, Regent Street, Mansfield, Nottinghamshire, NG18 1SS, DX 10400 MANSFIELD Type of membership: Member, Britannia Building Society This is intended to protect your investment, and the mortgage lenders security, in the event that the builders have become insolvent or ceased to exist. Register your interest for our Later Life Lenders programme to help address issues relating to adviser knowledge and their ability to communicate options. Type of membership: Associate, Hay & Kilner Our Council of Mortgage Lenders recognised Professional Consultants Certificates serve a similar purpose to Architects Certificates but have a number of distinct advantages. Head office: 8 Newton Terrace, Glasgow, G3 7PJ, DXGW40 GLASGOW Head office: 4 Market Square, Stafford, ST16 2JH, DX 701367 STAFFORD-3 231905. It is a requirement of most lenders in the UK to have a structural warranty on all new build properties, converted properties, or residential properties less than 10 years old. Head office: 1 Redcliff Street, Bristol, BS1 6TP, DX 7815 BRISTOL Approved Warehouse Line Providers . Type of membership: Member, edeus mortgage creators Limited Type of membership: Member, Coutts & Co No. Type of membership: Member, Mortgage Trust plc TN8 6HF. Customers benefit from building control and risk management expertise from a network of more than 3,500 surveyors. Type of membership: Associate, Optima Legal Services Ltd Type of membership: Associate, Fasttrac Remortgage Ltd A sense of stability was only just returning after the political and economic turmoil surrounding the September mini-budget, an event that saw consumer confidence plumb new record depths. There is a UK Finance lenders' handbook for each legal jurisdiction in the UK and all have a part 1 (general instructions) and part 2 (lender specific instructions). Type of membership: Associate, Calnea Analytics Ltd Premier Guarantee work with a panel of leading insurers to bring you the most comprehensive Structural Warranty cover in the market. Forbes Advisor Staff, Forbes Advisor Staff. Type of membership: Associate, BPE Homemove LLP Bank of Ireland as Bank of Ireland Mortgages, Paragon Residential Owner-Occupied Mortgages, Precise Mortgages (Charter Court Financial Services Ltd). . Type of membership: Member, London Mortgage Company Our warranties are recognised by UK Mortgage Lenders as detailed within the UK Finance Mortgage Lenders handbook. 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