In some cases this may mean working with .. Head office: Nationwide House, Pipers Way, Swindon, SN38 1NW, DX 83654 SWINDON HAWKSWORTH Head office: Reading International Business Park, Basingstoke Road, Reading, RG2 6DB Head office: 226 Sheen Lane, London, SW14 8LD Our warranties are recognised by UK Mortgage Lenders as detailed within the UK Finance Mortgage Lenders handbook. 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. Head office: Allenview House, Hanham Road, Wimborne, Dorset, BH21 1AG, DX 45315 WIMBORNE Type of membership: Member, Harpenden Building Society Head office: 250 St Vincent Street, Glasgow, G2 5SH It is the gift that keeps giving taking security over shares in Scottish companies. The company offers a variety of loan products, such as bank statement loans, coops, construction loans, downpayment assistance programs, and . Type of membership: Member, Rooftop Mortgages 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 . We work with members to support the UK as a global leader in financial services. Type of membership: Member, ABC International Bank plc Type of membership: Member, HBOS plc New build warranties can affect your mortgage application. 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. 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. Type of membership: Member, Paragon Mortgages Ltd Type of membership: Associate, PMI Mortgage Insurance Company Limited The Council of Mortgage Lenders integrated with five other bodies in July 2017 to form UK Finance, the new trade association for nearly 300 providers of finance, banking and payments-related services. Use tab to navigate through the menu items. Head office: City House, City Road, Chester, CH88 3AN Type of membership: Associate, Redstone Mortgages plc Head office: Welland House, The Square, Market Harborough, Leicestershire, LE16 7PD, DX 27312 MARKET HARBOROUGH Head office: 4 Thorpe Way, Grove Park, Enderby, Leicester, LE19 1SU Type of membership: Associate, KPMG Accord Buy to Let; Accord Mortgages Limited; Adam & Company; Adam & Just email us your plans or planning reference number! Type of membership: Associate, London & European Type of membership: Member, Just Retirement Our structural warranties are widely recognised by UK Mortgage Lenders, as listed in the UK Finance/Council of Mortgage Lenders handbook. Type of membership: Member, Topaz Finance PLC Type of membership: Associate, Assurant Solutions Type of membership: Associate, Navigant Consulting Head office: 30/31 Queen Street, Edinburgh, EH2 1JX Head office: 402 Lana House, 118 Commercial Street, London, E1 6NF Currently our key priorities are supporting homeowners affecting by fire safety concerns; helping mortgage prisoners caught out by regulatory changes to mortgages; supporting people affected by the coronavirus pandemic; and helping to create a sustainable and green future for housing. Type of membership: Member, New Life Mortgages Ltd First-time borrowers need a 640 minimum credit score. Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 mortgage approval rates fell by 87%. This broadly the industry standard for warranty schemes. In . Head office: Barnwood, Barnett Way, Gloucester, GL4 3RL, DX 55251 GLOUCESTER-2 Type of membership: Member, Birmingham Midshires Head office: Prospect House, PO Box 6, Scarborough, North Yorkshire, YO11 3WZ, DX 61820 SCARBOROUGH Head office: Cumberland House, Castle Street, Carlisle, Cumbria, CA3 8RX, DX 63025 CARLISLE Type of membership: Member, Northern Bank Ltd Direct lenders (banks and mortgage companies): Financial institutions that originate, process, and fund the loans themselves. Our independent professional monitoring team work for you and have no conflict of interest in your project. Type of membership: Member, Scottish Building Society Type of membership: Associate, Countrywide plc Type of membership: Associate, List of electronic cigarette companies UK, Places to buy Childrens bedding and curtains, List of England Fixtures 2010 World Cup Qualifiers, List Of Mortgage Providers In The UK CML Members. Type of membership: Associate, LSL Property Services plc Head office: St. Johns Place, Easton Street, High Wycombe, Bucks, HP11 1NL, DX 149220 High Wycombe Type of membership: Associate, TLT Solicitors Bank of Ireland as Bank of Ireland Mortgages, Paragon Residential Owner-Occupied Mortgages, Precise Mortgages (Charter Court Financial Services Ltd). 1.1: Same as Part 1 in the UK Finance Mortgage Lenders' Handbook for Conveyancers. Type of membership: Associate, B Legal Limited If you have a query about a lender that is not listed here please contact us. Indicates if Protek is an acceptable new build warranty for a lender on new build properties. The Council of Mortgage Lenders (CML) is the UK association which speaks on behalf of the UK mortgage industry. Type of membership: Member, Buckinghamshire Building Society Type of membership: Associate, Matthew Arnold & Baldwin If they are not listed then you should contact them direct for instructions. Or email us at gcho@gustancho.com. Type of membership: Member, Swift 1st Head office: 50 St Edward Street, Leek, Staffordshire, ST13 5DH, DX 16354 LEEK Our Professional Indemnity covers single unit values up to 3 million which is significantly higher than many Architects Certificates which sometimes only provide cover up . Head office: Two Castle Terrace, Edinburgh, EH1 2YA Type of membership: Associate, Legal Marketing Services Limited Type of membership: Member, Cambridge Building Society . Call: 02039 233 648 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. Head office: One America Square, Crosswall, London, EC3N 2SG, DX 53333 CLERKENWELL This can be accessed on-line via, If you have any queries relating to lender approval, please call us on, MD Insurance Services Ltd. is the scheme administrator for LABC Warranty and is authorised and regulated by the Financial Conduct Authority. Type of membership: Member, West Bromwich Building Society Type of membership: Member, Holmesdale Building Society Head office: Permanent Building, Regent Street, Barnsley, South Yorkshire, S70 2EH editor. . Head office: 42 St. Andrew Square, Edinburgh, EH2 2YE Head office: 125 Portland Street, Manchester, M1 4QD Type of membership: Member, Prudential Lifetime Mortgages This causes a variety of unwelcome issues. Type of membership: Member, Lloyds TSB Mortgages 3) Ruoff Home Mortgage Nathanael Peppi Jones NMLS# 1841663. Lenders will generally lend on a newly built (or newly converted) property only when the property is covered by a warranty scheme (for example, the National House-Building Council (NHBC) Buildmark scheme) or by a Council of Mortgage Lenders (CML) Professional Consultant's Certificate.1 However, there are fundamental Head office: 56 Stirling Street, Airdrie, ML6 0AW Head office: PO Box 232, 51 Newmarket Road, Cambridge, CB5 8FF, DX 133158 CAMBRIDGE 8 No: 727 7528. It is accepted by the Council of Mortgage Lenders and high-street lenders. Best Mortgage Lenders Of February 2023. Head office: Market House, Market Square, Stony Stratford, Milton Keynes, MK11 1BE, DX 56907 STONY STRATFORD Head office: Trinity Road, Halifax, West Yorkshire, HX1 2RG, DX 11896 HALIFAX Type of membership: Member, Allied Irish Bank (GB) Customers benefit from building control and risk management expertise from a network of more than 3,500 surveyors. Head office: Arcadia House, The Warley Hill Business Park, The Drive, Brentwood, Essex, CM13 3BE UK Finance represents nearly 300 of the leading firms providing finance, banking, markets and payments-related services in or from the UK. Type of membership: Associate, Experian Ltd PenFed Credit Union: Best credit union for mortgages. Head office: 20 Canada Square, Canary Wharf, London, E14 5LH Type of membership: Member, Basinghall Finance PLC Head office: Executive Agency, Meadowbank House, 153 London Road, Edinburgh, EH8 7AU The CML has provided a list of which schemes are accepted by each lender here. Head office: Southport Business Park, Wight Moss Way, Southport, PR8 4HQ, DX 728540 SOUTHPORT 8 Type of membership: Associate, Fuel Investments Ltd Type of membership: Member, Wave The past couple of Decembers have brought with them worries of lockdowns, sickness and missing out of seeing loved ones. We also represent those who lend commercially to social housing. Best for lower credit scores: Rocket Mortgage. Head office: One Temple Quay, 1 Temple Back East, Bristol, BS99 7AX, DX 98850 BRISTOL-2 Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 Type of membership: Associate, Taylor Wessing Type of membership: Member, Alliance & Leicester plc Below, we list which Lenders currently approve The Q Policy. Type of membership: Member, Darlington Mortgage Services Limited 19. Head office: 12 Eclipse Office Park, Staple Hill, Bristol, BS16 5EL Head office: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ We are a credit broker and not a lender and offer credit facilities from a panel of lenders. Not all defects on the title or property are accepted for indemnity insurance. Type of membership: Associate, My Home Move Ltd Head office: The Lakes, Northampton, NN4 7SH, DX 712280 NORTHAMPTON 12 Head office: 156 Milligan Street, London, E14 8AS The Handbook is voluntary for lenders and not all choose to use it. Registered address: 1 Angel Court, London, EC2R 7HJ The CML has been a great source of information about the changing state of the UK mortgage industry, an area of the economy which has come under great pressure as the 2007/08 credit crunch starts to hit home. Head office: Duffield Hall, Duffield, Derbyshire, DE56 1AG 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. UK Finance does not offer any financial products and anyone claiming to provide such products on our behalf is fraudulent. Type of membership: Member, Egg Banking plc Registered in England at 11 Milbanke Court, Milbanke Way, Bracknell, Berkshire, RG12 1RP. Type of membership: Member, Bath Investment & Building Society Type of membership: Associate, Fool Financial Services Ltd Its members consisted of banks, building societies and specialist lenders and represented 95% of mortgage lending in the UK. Type of membership: Member, First Direct Bank At times, the lender and buyer might not accept the insurance. A structural defect warranty is expected on a property of 10 years or less (a few lenders might expect 12). Head office: 2nd Floor, 20 St Mary at Hill, London, EC3R 8EE, DX 104 LONDON CHANCERY LANE Type of membership: Member, UCB Home Loans Corporation Ltd Type of membership: Member, edeus mortgage creators Limited We are listed in the UK Finance (Old CML) Handbook and the Building Societies Association Mortgage Instructions, which describe each lenders' specific requirements. 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: Associate, UKValuation Ltd Head office: Caledonia House, Carnegie Avenue, Dunfermline, Fife, KY11 8PJ Head office: Fourth Floor, Grand Mill Quay, Barrow Street, Dublin 4, Ireland Program Offices. For these reasons, NHBC has submitted that rule 8 and its definition of "other home warranty schemes" have now become obsolete. Guarantees are available for mortgage loans, apartment construction or repair financing, and transitional housing loans in eligible rural areas. Part 3 should be read in conjunction with parts 1 and 2. Type of membership: Member, Marsden Building Society Further confirmation of Lender approval of LABC Warranty for is available under section 6.7 of the CML Lender's Handbook. Head office +44 (0) 289 0992 303 Alanbrooke House Castlereagh Business Park 478 Castlereagh Road Belfast, BT5 6BQ For more property-related statistics, download the PDF below. 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. Type of membership: Member, Yorkshire Bank LABC Warranty is a trading name of MD Insurance Services Limited. Head office: 19 St Petersgate, Stockport, Cheshire, SK1 1HF, DX 19652 STOCKPORT Type of membership: Member, Nottingham Building Society Type of membership: Associate, Shepherd Direct In November 2015 it was confirmed that the Council of Mortgage Lenders would be merged with the British Bankers . Type of membership: Associate, Sprecher Grier Halberstam LLP 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. If you Type of membership: Member, Progressive Building Society Head office: Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL, DX 61010 NEWCASTLE UPON TYNE 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. Head office: Britannia House, Cheadle Road, Leek, Staffordshire, ST13 5RG, DX 16351 LEEK Type of membership: Member, Tiuta PLC 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 . Best Mortgage Lenders of February 2023. Type of membership: Associate, Checkmate Mortgages Limited Type of membership: Member, The Co-operative Bank plc Head office: 1 Connaught Place, Marble Arch, London, W2 2DY, 142060 MARBLE ARCH 2 Head office: 1 Providence Place, Skipton, North Yorkshire, BD23 2HL, DX 21761 SKIPTON Type of membership: Member, Skipton Building Society Hindsight's a wonderful thing, I think you probably realise that when you received the premium return you ought to have set about replacing the defunct policy with a new one as an asset of your home. Head office: Ten Trinity Square, London, EC3P 3AX Our warranties can be provided in England, Scotland, Wales and Ireland. 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: PO Box 547, Freehold House, The Havens, Ransomes Europark, Ipswich, IP3 9WZ 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 . Head office: 10 The Forum, Minerva Business Park, Lynch Wood, Peterborough, PE2 6FT .cls-1{fill:#fff;}.cls-2{fill:#fff;}logoUK Finance Mortgage Lenders' Handbook. Indemnity insurance loans, apartment construction or repair financing, and transitional housing loans in eligible rural areas warranty! Darlington Mortgage Services Limited 19, London, EC3P 3AX our warranties can be in. Conjunction with parts 1 and 2 monitoring team work for you and have no conflict of in... 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