Head office: Eldon House, 2 Eldon Street, London, EC2M 7UA Downloads Home Resources Downloads Membership Membership Form Download Now rules of registration Download Now cgice key fact policy summary Download Now Building Regulations structure Download Now fire safty Download Now site preparation Download Now toxic substance Download Now passage of sound Download Now Download Now ventilation sanitation Download Now Drainage Download Now Download Now . In some cases this may mean working with .. 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. Type of membership: Member, Mortgages plc UK Finance does not offer any financial products and anyone claiming to provide such products on our behalf is fraudulent. Head office: 3rd Floor Surrey House, 34 Eden Street, Kingston Upon Thames, Surrey, KT1 1ER We provide comprehensive lender data and statistics to help policymakers understand key trends and the impact of legal and regulatory change. Head office: Prospect House, PO Box 6, Scarborough, North Yorkshire, YO11 3WZ, DX 61820 SCARBOROUGH 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. 4.99 67 Reviews (0 Recent |. Head office: Progressive House, 33-37 Wellington Place, Belfast, BT1 6HH, DX 4230 NR BELFAST 26 It must be administered by a professional consultant, like an architect. Indicates ifProtekis an acceptable new build warranty for a lender on new build properties.written and contributed by Gateway SurveyorsMortgage lenders will only accept newly built or newly converted property if it is provided with an approved new build warranty or it is built (or newly converted) under the supervision of a suitably qualified professional (with appropriate professional indemnity insurance). Accord Mortgages. Head office: 3 Goldcroft, Yeovil, Somerset, BA21 4DQ, DX 100503 YEOVIL Head office: Legal & General House, St Monicas Road, Kingswood, Tadworth, Surrey, KT20 6EU Head office: St Jamess House, St Jamess Square, Cheltenham, GL50 3PR, DX 141660 CHELTENHAM 11 Head office: 30 Church Street, Epsom, Surrey, KT17 4NL, DX 30729 EPSOM Type of membership: Associate, TietoEnator We are aware of a potential scam involving people being offered loans for an upfront fee by an individual posing as a representative of UK Finance. Head office: Peterborough Business Park , Lynch Wood, Peterborough, PE2 6WZ, DX 29181 LYNCHWOOD Type of membership: Member, Cheshire Mortgage Corporation Type of membership: Member, Allied Irish Bank (GB) Head office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX Type of membership: Associate, Fuel Investments Ltd Use tab to navigate through the menu items. Type of membership: Member, The Ecology Building Society We serve the nation's homebuyers, homeowners, renters, and communities through nationwide programs that support safe, sustainable, and affordable housing and access to quality healthcare. Type of membership: Member, Britannia Building Society Type of membership: Associate, Shoosmiths Solicitors Protek warranty has wide lender approval from banks and building societies in the UK. Head office: First Floor, 6 Broadgate, London, EC2M 2QS . Head office: Two Castle Terrace, Edinburgh, EH1 2YA Head office: Bridge House, Queens Park Road, Handbridge, Chester, CH4 7AD Head office: 10 The Forum, Minerva Business Park, Lynch Wood, Peterborough, PE2 6FT It is important to check that the warranty provider you are considering using is registered . Head office: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ Head office: Nationwide House, Pipers Way, Swindon, SN38 1NW, DX 83654 SWINDON HAWKSWORTH 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. Type of membership: Member, The Chorley & District Building Society Below is a list of lenders that currently accept the Build-Zone Structural Warranty for self-builds. Using an advisor makes applying for a mortgage incredibly easy and asking for help is a breeze as well. Type of membership: Member, Amber Homeloans Ltd Type of membership: Associate, PricewaterhouseCoopers We engage with policymakers across the UK and EU. Campions Solicitors Fixed Fees for Legal Work. Registered address: 1 Angel Court, London, EC2R 7HJ UK Finance Limited (trading as UK Finance) 2023. Cover normally lasts for a period of 10 years after completion, and often it is required before mortgage lenders will . Head office: 100 Liverpool Street, London, EC2M 2RH the assessment of individual mortgage lenders of whether a warranty scheme is acceptable to them. Type of membership: Member, Egg Banking plc We also support the home buying process through the UK Finance Handbook and our work with governments and representatives from the legal communities. This week we published our housing and market forecasts for 2023 and 2024. Reviewed By. Type of membership: Member, Intelligent Finance Further confirmation of Lender approval of LABC Warranty for is available under section 6.7 of the CML Lender's Handbook. Type of membership: Associate, Wragge & Co 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: Associate, Hay & Kilner Type of membership: Associate, Hammonds Direct Without a system like this, the advisors research phase can often take many hours and for complex cases, days, which results in frustrating delays to customers. Head office: PO Box 520, Surrey Street, Norwich, NR1 3NG Type of membership: Associate, Cobbetts LLP Kent, Head office: Duffield Hall, Duffield, Derbyshire, DE56 1AG Always lovely to receive a note of #thanks from a valued customer. https://t.co/NTfJlsZC4u, Structural warranty news and events from Protek Warranty https://t.co/0iEROmWSt5, RT @MiddletonSimon: Team Protek successfully finished the Hever Commando Series event which raises money for The Royal Marines charity. Type of membership: Associate, BancTec Limited Type of membership: Associate, London & European 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. Carrington: Best for borrowers with weaker credit. Head office: High Street, Chalfont St Giles, Buckinghamshire, HP8 4QB, DX 31951 CHALFONT ST PETER . We work with members to support the UK as a global leader in financial services. As a general rule, warranty schemes are preferable as there is no need to prove fault on the part of the warranty provider, as is the case with a CML Certificate. Head office: 1 Providence Place, Skipton, North Yorkshire, BD23 2HL, DX 21761 SKIPTON Updated: Feb 23, 2023, 3:50am. Head office: Grafton Court, Snowdon Drive, Milton Keynes, MK6 1AJ 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). Type of membership: Member, Bank of Cyprus UK Head office: 13 Cleveland Row, London, SW1A 1DH Type of membership: Member, Saffron Building Society Our warranties offer a saving up to 50% compared to other Structural Warranties. But this meant homeowners signing a lease (typically for 25 years) at the time that can complicate mortgage applications today. Head office: Arundel House, 1 Liverpool Gardens, Worthing, BN11 1SL Type of membership: Member, Ipswich Building Society Type of membership: Member, Accord Mortgages Type of membership: Member, Chelsea Building Society Type of membership: Member, Newcastle Building Society News > New lifetime mortgage provider gets FCA approval. Type of membership: Member, Church House Trust Plc Type of membership: Associate, Tiger Global Management, LLC 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). Head office: 117-119 Whitby Road, Slough, SL1 3DR Type of membership: Member, DB UK Bank Limited Type of membership: Member, Monmouthshire Building Society Type of membership: Associate, Cheyne Capital Management (UK) LLP Type of membership: Associate, TLT Solicitors A member of our team will phone at a time convenient for you. With over 20 years' experience we are trusted and approved by all major mortgage lenders, helping us become one of the largest warranty providers in the UK market. Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 Type of membership: Member, Mortgage Express Ltd With a 10 year policy, you want a partner you can trust. LIBF Later Life Lending - Register your interest, The outlook for households brightens slightly but many will still need support from their banks, A New Years resolution for security over Scottish shares, Guidance for firms supporting their existing mortgage borrowers impacted by the rising cost of living response from UK Finance, Mortgage market forecast to be weaker amid affordability pressures, Mortgage lending to fall 15 per cent next year, returning to pre-pandemic levels, Dont let money worries dampen your festive spirit, Half of new first-time-buyer mortgages have terms over 30 years, up from a quarter ten years ago. Head office: Edgbaston House, 3 Duchess Place, Birmingham, B16 8NH Type of membership: Associate, Capstone Mortgage Services Limited [1] The value of gross mortgage advances in 2021 Q2 was 89.0 billion, over double the amount seen in 2020 Q2, and the highest level since 2007 Q3 (Table A and Chart 1). To take fixed security over the shares in a Scottish company, the shares have to be transferred to the lender. LABC Warranty has a long list of mortgage lenders who have confirmed that the LABC Warranty New Home Warranty is acceptable to them. Head office: 24 Friar Lane, Nottingham, NG1 6DU Type of membership: Associate, Fitch Ratings Ltd Type of membership: Member, Teachers Building Society Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 Head office: Mercantile House, Blackberry Lane, Lingfield, Surrey, RH7 6NG, Crocus Home Loans Limited Type of membership: Member, Loughborough Building Society Type of membership: Member, Progressive Building Society UK Finance does not offer any financial products and anyone claiming to provide such products on our behalf is fraudulent. Q is an Appointed Representative of Steve Wassell Insurance Management Ltd which is authorised and regulated by the Financial Conduct Authority - Reg. 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. Head office: Portman House, Richmond Hill, Bournemouth, BH2 6EP 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 Capital Markets & Wholesale to Payments & Innovation. Head office: CityPoint, Temple Gate, Bristol, BS1 6PL Type of membership: Associate, Landmark Information Group Ltd Head office: 30 St Vincent Place, Glasgow, G1 2HL, DX 500500 CLYDEBANK We are listed in the UK Finance (Old CML) Handbook and the Building Societies Association Mortgage Instructions, which describe each lenders specific requirements. Rent-a-roof schemes saw companies offer free solar panels in exchange for being able to sell the excess electricity produced. Program Offices. Head office: Duffield Hall, Duffield, Derbyshire, DE56 1AG Type of membership: Member, Paragon Mortgages Ltd A structural defect warranty is expected on a property of 10 years or less (a few lenders might expect 12). The mortgage industry offers two main options for loan originators. 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 . The company offers a variety of loan products, such as bank statement loans, coops, construction loans, downpayment assistance programs, and . The average 30-year fixed mortgage rate rose to 6.96%, marking the third consecutive week of increases that have wiped out much of the affordability gains made in the past few months. Though warranties are a standard requirement when obtaining a mortgage over a new build property, they should not be relied upon. Head office: Saffron House, 1a Market Street, Saffron Walden, Essex, CB10 1HX, DX200301 SAFFRON WALDEN If you have any questions regarding mortgage lenders, or do not see your lender on this list, please contact us via email or call us on 01603 218288. Our warranties are recognised by UK Mortgage Lenders as detailed within the UK Finance Mortgage Lenders handbook. Type of membership: Member, Derbyshire Building Society Type of membership: Member, Stafford Railway Building Society Head office: Sir William Atkins House, Ashley Avenue, Epsom, Surrey, KT18 5AS, DX 30718 EPSOM There are lots of different warranty schemes in existence and each mortgage lender will have their own standards of which schemes are acceptable. Type of membership: Associate, Allied Surveyors plc Head office +44 (0) 289 0992 303 Alanbrooke House Castlereagh Business Park 478 Castlereagh Road Belfast, BT5 6BQ Head office: Executive Agency, Meadowbank House, 153 London Road, Edinburgh, EH8 7AU The warranty/guarantee provided of the installation and insulation. Tax advisers and accountants are still phoning HMRC for a paper copy of . No: 727 7528. Head office: Pacific House, Relay Point, Tamworth, Staffordshire, B77 5PA Type of membership: Member, Cheval Property Finance Plc Head office: Welland House, The Square, Market Harborough, Leicestershire, LE16 7PD, DX 27312 MARKET HARBOROUGH Head office: Carmelite, 50 Victoria Embankment, Blackfriars, London, EC4Y 0DX UK Finance has been created by combining most of the activities of the Asset Based Finance Association, the British Bankers Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Head office: PO Box 232, 51 Newmarket Road, Cambridge, CB5 8FF, DX 133158 CAMBRIDGE 8 The past couple of Decembers have brought with them worries of lockdowns, sickness and missing out of seeing loved ones. At PMJ Risk Solutions we have excellent relationships with many of the UK's top Warranty providers and you can be sure we will find the best product for you, with a quality and secure market. Head office: 6 High Street, Loughborough, Leicestershire, LE11 2QB, DX 19611 LOUGHBOROUGH Dependable team. Find out more; What We Do. (Reviewed by members in November 2022 and no amendments were required to me made to the version dated 2021). We're passionate about helping our Developers & Builders to get it right-first-time and provide real support and assistance - so when you work with Q, you can get a whole lot more than a simple warranty. Type of membership: Member, First Trust Bank Between..9:00 to 10:0010:00 to 11:0011:00 to 12:0014:00 to 15:0015:00 to 16:0016:00 to 17:00, Area of LawConveyancingPropertyWills & ProbateDivorceFinancialFamily LawOther, Contracted with the Legal Aid Agency. Head office: Title House, 33-39 Elmfield Road, Bromley, Kent, BR1 1LT No. Finder.com Comparison UK Limited (company number: 10482489) is authorised and regulated by the Financial Conduct Authority (firm reference number: 786446). Head office: Reading International Business Park, Basingstoke Road, Reading, RG2 6DB 231905. Head office: Yorkshire House, Yorkshire Drive, Bradford, West Yorkshire, BD5 8LJ, DX 11798 BRADFORD Type of membership: Member, Affirmative Finance Limited 1.1: Same as Part 1 in the UK Finance Mortgage Lenders' Handbook for Conveyancers. 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). 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