Head office: 6 Lochside Avenue, Edinburgh Park, Edinburgh, EH12 9DJ Registered in England No: 3642459 | Website by, https://lendershandbook.ukfinance.org.uk/lenders-handbook/, IPIDs (Insurance Product Information Documents). You should take care to have the builder remedy any issues with the property within the first 2 years of your ownership as this will ensure they are fixed with the least possible cost and trouble. Accord Buy to Let; Accord Mortgages Limited; Adam & Company; Adam & 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. Head office: One America Square, Crosswall, London, EC3N 2SG, DX 53333 CLERKENWELL If you think you may have been a victim of a scam please contact your bank immediately and report it to UK Finance does not offer any financial products and anyone claiming to provide such products on our behalf is fraudulent. If you Head office: Arndale House, Charles Street, Bradford, BD1 1UN, DX 712510 BRADFORD 10 Head office: 3rd Floor, Austin House, St Crispins Road, Norwich, NR3 1PX Kent, Type of membership: Member, National Westminster Home Loans PNC Bank: Best for . Bank of Ireland as Bank of Ireland Mortgages, Paragon Residential Owner-Occupied Mortgages, Precise Mortgages (Charter Court Financial Services Ltd). Rachel Witkowski. Type of membership: Associate, Callcredit plc Our warranties are recognised by UK Mortgage Lenders as detailed within the UK Finance Mortgage Lenders handbook. Type of membership: Associate, Taylor Wessing In the face of the ongoing cost-of-living squeeze and rising interest rates, we expect a softer market for house purchases. The CML has provided a list of which schemes are accepted by each lender. Type of membership: Member, Chesham Building Society Type of membership: Member, Ahli United Bank (UK) plc Head office: Atlantic House, Holborn Viaduct, London, EC1A 2FG If you have any queries relating to lender approval, please call us on0800 183 1755. Type of membership: Associate, Landmark Information Group Ltd Head office: 6 High Street, Loughborough, Leicestershire, LE11 2QB, DX 19611 LOUGHBOROUGH MD Insurance Services Ltd. is the scheme administrator for LABC Warranty and is authorised and regulated by the Financial Conduct Authority. Type of membership: Associate, Mazars LLP The CML has provided a list of which schemes are accepted by each lender here. This is intended to protect your investment, and the mortgage lender's security, in the event that the builders have become insolvent or ceased to exist. With a 10 year policy, you want a partner you can trust. Head office: 20 Merrion Way, Leeds, LS2 8NZ Building better together. Head office: 402 Lana House, 118 Commercial Street, London, E1 6NF The Q Policy has been approved by the Homes & Communities Agency for the government's Help to Buy Scheme. Finder.com Comparison UK Limited (company number: 10482489) is authorised and regulated by the Financial Conduct Authority (firm reference number: 786446). Type of membership: Member, Birmingham Midshires Type of membership: Member, 5D Finance Limited Head office: Level 25, 1 Churchill Place, Canary Wharf, London, E14 5HP Head office: The Lakes, Northampton, NN4 7SH, DX 712280 NORTHAMPTON 12 CMLC Ltd NFU Building, Camelgate Spalding, PE12 6ET, Recognised by UK Mortgage Lenders as detailed within the UK Finance Mortgage Lenders handbook for conveyancers, Accepted by High Street Lenders mortgage providers, All Checks Carried Out by Qualified Surveyors (RIBA / RICS), Save up to 50% Compared to other Structural Warranties, Can be taken on Part Complete / Completed projects. Head office: 2/6 Cross Street, Swiss Mill Court, Beeston, Nottingham, NG9 2NX The Council of Mortgage Lenders' Handbook. .cls-1{fill:#fff;}.cls-2{fill:#fff;}logoUK Finance Mortgage Lenders' Handbook. Type of membership: Associate, Legal & General Assurance Society Ltd Head office: Regent House, Regent Street, Mansfield, Nottinghamshire, NG18 1SS, DX 10400 MANSFIELD Head office: Ambassador House, Paradise Road, Richmond upon Thames, Surrey, TW9 1SQ Type of membership: Member, Basinghall Finance PLC Type of membership: Member, Cheval Property Finance Plc The company offers a variety of loan products, such as bank statement loans, coops, construction loans, downpayment assistance programs, and . For more property-related statistics, download the PDF below. Mortgage lenders have expressed concerns about the levels of knowledge among mortgage advisers about the later life lending market. Head office: Bracken House, Charles Street, Manchester, M1 7BD Without an approved warranty in place, mortgage lenders may not release funds . This site makes use of cookies. Head office: PO Box 232, 51 Newmarket Road, Cambridge, CB5 8FF, DX 133158 CAMBRIDGE 8 Head office: PO Box 236, Wilmslow, SK9 1WT Part 3 should be read in conjunction with parts 1 and 2. The National House Building Council (NHBC) scheme is the most well-known warranty scheme, alongside Premier Guarantee and LABC, all of whom are underwritten by AM Trust Europe Ltd. A NHBC certificate provides an insurance backed warranty covering a number of named defects relating to the property for a period of 10 years. which Q can offer to satisfy the mortgage lending criteria. The Council of Mortgage Lenders was an industry body representing mortgage lenders in the United Kingdom . Care Orders, Interim Care Orders and Care Proceedings. Criteria Brain fixes this problem by providing a platform which lenders can upload their rules to, in a format that allows advisors to extract the precise information they need in great detail and very quickly. Head office: Rowcroft, Stroud, Gloucestershire, GL5 3BG, DX 122260 STROUD-3 Approved Warehouse Line Providers . 4.99 67 Reviews (0 Recent |. 2) Lower, LLC Brianne Nichole Kesner NMLS# 1373401. Guaranteed Rate: Best for variety of loan types. Enter to open, tab to navigate, enter to select They are normally for a period of 10 -12 years after completion and there are a range of warranty covers to suit all types of projects. UK Mortgage Lender Approval. Head office: 55 Colmore Road, Birmingham, B3 2AS, DX 13036 BIRMINGHAM 1 Head office: 10 The Forum, Minerva Business Park, Lynch Wood, Peterborough, PE2 6FT Just email us your plans or planning reference number! Type of membership: Member, West Bromwich Building Society Type of membership: Associate, Irwin Mitchell Type of membership: Associate, Sterling Insurance Group Limited We work with members to support the UK as a global leader in financial services. Head office: 1 Callaghan Square, Cardiff, CF10 5BT Head office: 2nd floor, Tower Bridge House, St Katharines Way, London, E1W 1DD Type of membership: Member, Dunfermline Building Society An architect must be registered with the Architects Registration Board, even if also a member of another institution, for example the Royal Institute of British Architects (RIBA); or, fellow or member of the Institution of Civil Engineers (FICE or MICE)., For more information on warranties, or to consider your own position in relation to any of these issues, please do not hesitate to contact, Lifetime ISA but specifically with regard to buying property, Boundary Agreements and Determined Boundaries, Guide to Leicester Solicitor City Centre Estate Agents. Type of membership: Member, Hinckley and Rugby Building Society The Structural Warranty market is fast-moving and complex. Editorial . Type of membership: Associate, Allied Surveyors plc For these reasons, NHBC has submitted that rule 8 and its definition of "other home warranty schemes" have now become obsolete. Head office: Citigroup Centre, Canada Square, London, E14 5LB Head office: 2nd Floor, 440 Strand, London, WC2R 0QS, DX 141813 COVENT GARDEN 5 Type of membership: Associate, London General Insurance Type of membership: Associate, Optima Legal Services Ltd Steve Wassell Insurance Management Limited FCA Reg. Head office: Centurion House, 24 Monument Street, London, EC3R 8AJ Type of membership: Member, Principality Building Society Our specialists provide an unmatched breadth and depth of knowledge. Council of Mortgage Lenders approved; . Type of membership: Member, Scottish Widows Bank plc Type of membership: Associate, Shoosmiths Solicitors Head office: St. Johns Place, Easton Street, High Wycombe, Bucks, HP11 1NL, DX 149220 High Wycombe Type of membership: Associate, AIG UK Limited Head office: SBS House, 193 Dalry Road, Edinburgh, EH11 2EF By contract, when a consultant provides a CML Certificate they confirm that they have supervised the building of the property and that it has been built to a satisfactory quality. We engage with policymakers across the UK and EU. 4 . Head office: 156 Milligan Street, London, E14 8AS 1100 Abernathy Road Bldg. Head office: 8 & 9 Bon Accord Crescent, Aberdeen, AB11 6DN In this section Tasks for regulated firms Approved persons Senior Managers and Certification Regime Change in control Appointed representatives and principals Brexit Variation of permission Waivers and modifications Capital requirements permissions Fees and levies Regulatory reporting Change of legal status Firm details Your business Whistleblowing Culture and governance Report mortgage fraud . Type of membership: Member, Halifax plc Type of membership: Member, Saffron Building Society Head office: Economic House, PO Box 9, High Street, Coventry, CV1 5QN, DX 18855 COVENTRY-2 AmeriSave: Best for overall affordability. warranty providers. Head office: Venture Court, Waterside Business Park, Valley Way, Swansea, SA6 8QP, DX 82804 SWANSEA 2 Leaseholders and prospective buyers will now have more clarity on purchasing homes with building safety issues following a key update from mortgage lenders and the Royal Institution of Chartered Surveyors (RICS). Below is a list of lenders that currently accept the Build-Zone Structural Warranty for self-builds. Type of membership: Associate, Countrywide plc Head office: No 1 Whitehall Riverside, Leeds, LS1 4BN, DX 14085 Leeds 1 Please note that this list is frequently updated as One Guarantee are continuously being approved by new lenders. Head office: Golden House, 30 Great Pulteney Street, London, W1F 9LT Head office: Oakfield House, 35 Perrymount Road, Haywards Heath, West Sussex, RH16 3BX, DX 300623 HAYWARDS HEATH Head office: St Jamess House, St Jamess Square, Cheltenham, GL50 3PR, DX 141660 CHELTENHAM 11 Type of membership: Associate, KPMG Head office: Talbot House, Talbot Street, Nottingham, NG80 1TH Type of membership: Associate, TietoEnator Further confirmation of Lender approval of LABC Warranty for is available under section 6.7 of the CML Lender's Handbook. Type of membership: Member, Harpenden Building Society See ourSummary of amendmentsforprevious versions of the part 1. There may be defects that won't be reported for mortgage lending purposes, but which could be important to your client as the buyer. Type of membership: Member, ING Direct N.V. This type of certificate is very cost effective and is pre-approved by the council of mortgage lenders for your sale, mortgage or re-financing requirements. Head office: 3 Goldcroft, Yeovil, Somerset, BA21 4DQ, DX 100503 YEOVIL Head office: 20 Canada Square, Canary Wharf, London, E14 5LH The industry welcomes the Financial Conduct Authoritys (FCA) guidance for firms supporting their existing mortgage borrowers impacted by the rising cost of living (the Draft Additional Guidance). You can also see which Lenders currently list Q as an Approved Scheme here: https://lendershandbook.ukfinance.org.uk/lenders-handbook/. Head office: 30 St Vincent Place, Glasgow, G1 2HL, DX 500500 CLYDEBANK Head office: Roxburghe House, 273-287 Regent Street, London, W1A 4SQ, DX 53803 OXFORD CIRCUS NORTH Type of membership: Associate, Morton Fraser LLP Head office: Britannia House, Cheadle Road, Leek, Staffordshire, ST13 5RG, DX 16351 LEEK Head office: Portman House, Richmond Hill, Bournemouth, BH2 6EP The Handbook is voluntary for lenders and not all choose to use it. Head office: 7 St. James Square, Manchester, M2 6XX The policies are approved by The Council of Mortgage Lenders. Type of membership: Member, DB UK Bank Limited Type of membership: Associate, LV= Head office: Allenview House, Hanham Road, Wimborne, Dorset, BH21 1AG, DX 45315 WIMBORNE Head office: 57 Market Place, Beverley, East Yorkshire, HU17 8AA LABC Warranty has a long list of mortgage lenders who have confirmed that the LABC Warranty New Home Warranty is acceptable to them. LABC Warranty has been developed in conjunction with the Local Authority Building Control and designed to provide developers and individuals working with their Local Authority a . This broadly the industry standard for warranty schemes. Unit 2, Enterprise Way, We engage with policymakers across the UK and EU. CML Certificates tend only to cover the property for a shorter term of around 6 years and there must be proven negligence on the part of the consultant in order to successfully claim compensation. Using an advisor makes applying for a mortgage incredibly easy and asking for help is a breeze as well. Type of membership: Member, Wave Type of membership: Member, The Ecology Building Society Regus-Leicester Grove Park, 1st Floor Gateway House. Head office: LMS House, Lloyd Drive, Cheshire Oaks Business Park, Cheshire, CH65 9HQ, DX728580 ELSMERE PORT Head office: Citigroup Centre, Canada Square, London, E14 5LB Head office: First Floor, 6 Broadgate, London, EC2M 2QS Type of membership: Member, Ocean Money (II) Limited Head office: Merrill Lynch Financial Centre, 2 King Edward Street, London, EC1A 1HQ Head office: Davidson House, 2 Forbury Square, Reading, RG1 3EU Head office: Warwick House, 737 Warwick Road, Solihull, B91 3DG, DX 14038 SOLIHULL 2 Head office: Lexicon House,, 17 Old Court Place, London, W8 4PL 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, New Life Mortgages Ltd Type of membership: Associate, Checkmate Mortgages Limited Head office: Winchester House, 1 Great Winchester Street, London, EC2N 2DB The Q Policy from Q Assure Build Ltd is a structural warranty which puts quality build and customer service first. The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is dedicated to increasing the availability of and accessibility to safe, decent and affordable housing to families in New Jersey. Type of membership: Member, Credit & Mercantile plc A CML Certificate is granted where the consultant has supervised the building of the property and confirms that it has been built in accordance with the plans and to a satisfactory standard. This, however, should only be used as an indicator and readers are advised to check with their own lender to ascertain which schemes they deem acceptable. Our structural warranty providers have over 20 years in the insurance industry and their goal . Head office: Prospect House, PO Box 6, Scarborough, North Yorkshire, YO12 6EQ, DX 61820 SCARBOROUGH Head office: 125 Portland Street, Manchester, M1 4QD While they are not a legal requirement for sellers, mortgage lenders require a building to pass an EWS1 fire safety inspection before they will lend to new buyers. 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. However, most buildings are covered by this warranty as it is required by lenders. Type of membership: Member, Accord Mortgages Head office: Bakers Court, Bakers Road, Uxbridge, Middlesex, UB8 1RG Market is fast-moving and complex by the Council of mortgage Lenders in the United Kingdom ) Lower LLC. Variety of loan types across the UK and EU insurance industry and their goal by Lenders Mortgages, Precise (... The PDF below.cls-1 { fill: # fff ; }.cls-2 { fill #... 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