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). Head office: Merchant House, 30 Cloth Market, Newcastle Upon Tyne, NE1 1EE Head office: Nationwide House, Pipers Way, Swindon, SN38 1NW, DX 83654 SWINDON HAWKSWORTH Type of membership: Member, Mortgage Trust plc Head office: Corporate Headquarters, Watling Street, Bexleyheath, Kent, DA6 7RR, DX 90000 BEXLEYHEATH-2 Half of all first-time buyers in the UK, and over a quarter of home movers who took out a mortgage in the third quarter of this year opted for a term of more than 30 years, according to UK Finances latest Household Finance Review produced in collaboration with Accenture. Head office: Prospect House, PO Box 6, Scarborough, North Yorkshire, YO11 3WZ, DX 61820 SCARBOROUGH Head office: Britannia House, Cheadle Road, Leek, Staffordshire, ST13 5RG, DX 16351 LEEK The Council of Mortgage Lenders (CML) has introduced changes which will affect new homes where contracts are exchanged after 1 April 2003. Type of membership: Associate, LSL Property Services plc Type of membership: Associate, Barlow Robbins LLP Our surveyors can be appointed and on site within a matter of days. Head office: 3rd Floor Surrey House, 34 Eden Street, Kingston Upon Thames, Surrey, KT1 1ER Head office: Meridien House, 69 71 Clarendon Road, Watford, Herts, WD17 1DS We also represent those who lend commercially to social housing. Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Type of membership: Associate, Islamic Bank of Britain Head office: Crown House, Crown Street, Ipswich, Suffolk, IP1 3HS 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. Head office: 5-7 Abbey Court, Eagle Way, Sowton, Exeter, Devon, EX2 7HY, DX 135607 EXETER 16 Head office: High Street, Chalfont St Giles, Buckinghamshire, HP8 4QB, DX 31951 CHALFONT ST PETER Head office: One Temple Quay, 1 Temple Back East, Bristol, BS99 7AX, DX 98850 BRISTOL-2 Head office: Bakers Court, Bakers Road, Uxbridge, Middlesex, UB8 1RG 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. LABC Warranty works in partnership with Local Authority Building Control to provide structural warranty services for developers, builders and housing providers. Type of membership: Associate, All In Property Services Limited Head office: Regent House, Regent Street, Mansfield, Nottinghamshire, NG18 1SS, DX 10400 MANSFIELD Our members undertake an estimated 97 per cent of the UK's residential mortgage lending. Type of membership: Associate, PMI Mortgage Insurance Company Limited Head office: 6th Floor, The Chambers, Chelsea Harbour, London, SW10 0XF Type of membership: Member, Rooftop Mortgages Head office: Cumberland House, Castle Street, Carlisle, Cumbria, CA3 8RX, DX 63025 CARLISLE Type of membership: Member, Derbyshire Building Society Head office: Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ Type of membership: Member, Allied Irish Bank (GB) Head office: Accounts department, Gainsborough House, Houghton Hall Park, Houghton Regis, LU5 5XF 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. Type of membership: Member, Partnership Home Loans Limited It is the gift that keeps giving taking security over shares in Scottish companies. Key benefits of a . Type of membership: Associate, IBM Global Business Services If you have any queries relating to lender approval, please call us on0800 183 1755. Type of membership: Associate, John Collins & Partners LLP . Head office: Waverley House, 7-12 Noel Street, London, W1F 8GQ Head office: edeus house, 1 Trinity Court, Broadlands, Wolverhampton, WV10 6UH Type of membership: Associate, Addleshaw Goddard There may be defects that won't be reported for mortgage lending purposes, but which could be important to your client as the buyer. Head office: Oakfield House, 35 Perrymount Road, Haywards Heath, West Sussex, RH16 3BX, DX 300623 HAYWARDS HEATH We've worked closely with our providers to offer a Structural Warranty policy that is designed to meet your needs. Head office: 20 Ralli Courts, West Riverside, New Bailey Street, Salford, M3 5FT UK Finance has today published its mortgage market forecast for 2023 2024, anticipating a softening in the mortgage market next year that marks a return to pre-pandemic norms. Head office: Duffield Hall, Duffield, Derbyshire, DE56 1AG Best for flexible down payment options: Chase Bank. This can come in the form of a 10 Year Structural Warranty, our certificates are valid and transferable for a period of 10 years and as there is no premium element. . Type of membership: Member, Chelsea Mortgage Services December is a festive time, with a lot of eating, drinking and often, spending. Type of membership: Member, Teachers Building Society Head office: Lahnstein House, Gold Street, Kettering, Northants, NN16 8AP The warranty is provided either by a warranty scheme or a Council of Mortgage Lenders (CML) Professional Consultants Certificate. Company number 10250295. Indicates if Protek is an acceptable new build warranty for a lender on new build properties. Our members undertake an estimated 97 per cent of the UKs residential mortgage lending. Head office: Plaza West, Bridge Street, Reading, Berkshire, RG1 2LZ, DX 4029 READING-1 Type of membership: Member, Norwich & Peterborough Building Society Ally Bank: Best for low interest rates. PNC: Best for traditional . Type of membership: Member, Tipton & Coseley Building Society Type of membership: Member, Yorkshire Building Society We have covered over 47,000 properties, with a GDV of 16bn. Type of membership: Member, Bristol & West Investments Plc Head office: 30 Church Street, Epsom, Surrey, KT17 4NL Type of membership: Associate, Fool Financial Services Ltd 7 Best Home Warranty Companies [2023] 7 Best Home Security Systems [2023] More Reviews; . Type of membership: Member, Homeloan Management Ltd 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. Registered address: 1 Angel Court, London, EC2R 7HJ Head office: Talbot House, Talbot Street, Nottingham, NG80 1TH Head office: Vertex House, Greencourts Business Park, 333 Styal Road, Manchester, M22 5TX action fraud. Type of membership: Member, Chelsea Building Society Head office: St Crispins, Duke Street, Norwich, NR3 1PD, 5245 NORWICH 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 . Head office: Warwick House, 737 Warwick Road, Solihull, B91 3DG, DX 14038 SOLIHULL 2 LABC Warranty is a trading name of MD Insurance Services Limited. Type of membership: Member, Heritable Bank Ltd 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. Head office: Bridge House, Queens Park Road, Handbridge, Chester, CH4 7AD Type of membership: Member, Catholic Building Society Type of membership: Member, Prudential Lifetime Mortgages Head office: 402 Lana House, 118 Commercial Street, London, E1 6NF Type of membership: Associate, Irish Permanent International All rights reserved. Type of membership: Associate, Hometrack Data Systems Ltd Head office: 36 Sutton Court Road, Sutton, Surrey, SM1 4TE Below is a list of lenders that currently accept the Build-Zone Structural Warranty for self-builds. Type of membership: Associate, Shepherd Direct Head office: Jarman House, Mathisen Way, Poyle Road, Colnbrook, Berkshire, SL3 0HF Type of membership: Associate, UBS Limited Campions Solicitors Fixed Fees for Legal Work. Head office: The Lakes, Northampton, NN4 7SH, DX 712280 NORTHAMPTON 12 Head office: PO Box 232, 51 Newmarket Road, Cambridge, CB5 8FF, DX 133158 CAMBRIDGE 8 Type of membership: Member, E-Mex Home Funding Ltd Criteria Brain is an online research tool for UK based mortgage advisors. Type of membership: Member, Airdrie Savings Bank Type of membership: Associate, MetLife . 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. Head office: First Trust Centre, PO Box 123, 92 Ann Street, Belfast, BT1 3AY Approved Warehouse Line Providers . Type of membership: Member, HBOS plc Head office: Kernow House, Newham, Truro, TR1 2XP 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. 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 . Edenbridge, Type of membership: Member, Barclays Head office: Po Box 183, Donegall Square West, Belfast, BT1 6JS Type of membership: Associate, TietoEnator New build warranties can affect your mortgage application. Head office: Group Head Office, 11-16 Donegall Square East, Belfast, BT1 5UB Head office: 121 Kings Road, Reading, Berkshire, RG1 3ES Head office: Oakfield House, PO Box 600, Binley Business Park, Coventry, CV3 9YR All rights reserved. Our address is Level 2, 20 St Thomas St, London, SE1 9RG. No. Type of membership: Member, Oakwood Homeloans Ltd It is important to check that the warranty provider you are considering using is registered . Head office: 43 Church Street, Reigate, Surrey, RH2 0AE, DX 54107 REIGATE-2 Head office: Unit 2 Guild House, 221 Kincraig Road, Blackpool, FY2 0PJ Head office: 111 St Jamess Road, Croydon, Surrey, CR0 2UW News > New lifetime mortgage provider gets FCA approval. Protek warranty has wide lender approval from banks and building societies in the UK. Type of membership: Member, Dunfermline Building Society Head office: Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey, RH2 7RU Head office: Economic House, PO Box 9, High Street, Coventry, CV1 5QN, DX 18855 COVENTRY-2 Scam Warning: Underwritten by industry-leading rated insurers, Advantage is a CTSI code sponsor, having completed the rigorous CTSI Consumer Codes Approval Scheme process. Type of membership: Associate, Callcredit plc The Structural Warranty market is fast-moving and complex. Type of membership: Associate, Irwin Mitchell 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. Head office: 13 Cleveland Row, London, SW1A 1DH Type of membership: Member, Cheshire Mortgage Corporation In some cases this may mean working with .. Head office: 12/14 Ridgeway Street, Douglas, Isle of Man, IM1 1EN 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. Head office: Key House, Foxhole Road, Chorley, Lancashire, PR7 1NZ, DX 18419 CHORLEY-1 editor. Type of membership: Member, Market Harborough Mortgages Ltd Head office: 1 Baird Road, Kirkton Campus, Livingston, EH54 7AZ Head office: PO Box 12757, 67 Morrison Street, Edinburgh, EH3 8YJ Type of membership: Member, Swansea Building Society Premier Guarantee work with a panel of leading insurers to bring you the most comprehensive Structural Warranty cover in the market. Head office: 15 Queen Square, Bath, BA1 2HN Head office: 30 St Vincent Place, Glasgow, G1 2HL, DX 500500 CLYDEBANK UK Finance does not offer any financial products and anyone claiming to provide such products on our behalf is fraudulent. 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. Head office: 57 Market Place, Beverley, East Yorkshire, HU17 8AA Type of membership: Member, Darlington Mortgage Services Limited Use tab to navigate through the menu items. Head office: 1 Connaught Place, Marble Arch, London, W2 2DY, 142060 MARBLE ARCH 2 Head office: Title House, 33-39 Elmfield Road, Bromley, Kent, BR1 1LT Our warranties offer a saving up to 50% compared to other Structural Warranties. Type of membership: Member, Basinghall Finance PLC Head office: Golden House, 30 Great Pulteney Street, London, W1F 9LT Bank of Ireland as Bank of Ireland Mortgages, Paragon Residential Owner-Occupied Mortgages, Precise Mortgages (Charter Court Financial Services Ltd). Type of membership: Member, Bank of Ireland Home Mortgages Ltd Type of membership: Associate, Registers of Scotland Type of membership: Associate, Unisys Ltd UK Mortgage Lender Approval. Type of membership: Associate, Mazars LLP 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. Head office: Merrill Lynch Financial Centre, 2 King Edward Street, London, EC1A 1HQ Head office: 2nd floor, Tower Bridge House, St Katharines Way, London, E1W 1DD Type of membership: Associate, Hamlins LLP 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 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. 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. Steve Wassell Insurance Management Limited FCA Reg. Head office: 19 St Petersgate, Stockport, Cheshire, SK1 1HF, DX 19652 STOCKPORT Best for flexible loan options: PNC Bank . Head office: St Catherines Court, Herbert Road, Solihull, West Midlands, B91 3QE, DX 14031 SOLIHULL 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: Member, Halifax plc The Council of Mortgage Lenders was an industry body representing mortgage lenders in the United Kingdom . Head office: Henry Duncan House, 120 George Street, Edinburgh, EH2 4LH 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 credible Latent Defect/Structural Warranty product, which caters for their needs. Type of membership: Associate, Cheyne Capital Management (UK) LLP Type of membership: Member, Lloyds TSB Scotland plc We help our members to implement regulatory initiatives through a compliant and customer-focused approach, and by sharing best practice across the industry. In . Better: Best for refinancing. A PCC is widely recognised and accepted by over 85% of high street lenders as an alternative to a structural warranty and can enable a buyer to obtain a mortgage. Head office: Barnwood, Barnett Way, Gloucester, GL4 3RL, DX 55251 GLOUCESTER-2 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. Best Mortgage Lenders Of February 2023. footnote. Don't see a particular Lender below? Type of membership: Member, Northern Bank Ltd All the schemes marketed by LABC Warranty are managed by MD Insurance Services Limited (FCA FRN 306947). Type of membership: Member, Bank of Cyprus UK Head office: 6 High Street, Loughborough, Leicestershire, LE11 2QB, DX 19611 LOUGHBOROUGH Though warranties are a standard requirement when obtaining a mortgage over a new build property, they should not be relied upon. Type of membership: Member, ABC International Bank plc Using an advisor makes applying for a mortgage incredibly easy and asking for help is a breeze as well. Head office: Citigroup Centre, Canada Square, London, E14 5LB Head office: St Jamess House, St Jamess Square, Cheltenham, GL50 3PR, DX 141660 CHELTENHAM 11 Type of membership: Member, Hinckley and Rugby Building Society An example requirements letter to the borrower's conveyancer has also been developed for use in these circumstances. Or email us at gcho@gustancho.com. Head office: Saffron House, 1a Market Street, Saffron Walden, Essex, CB10 1HX, DX200301 SAFFRON WALDEN The warranty/guarantee provided of the installation and insulation. UK Finance represents nearly 300 of the leading firms providing finance, banking, markets and payments-related services in or from the UK. Lenders. warranty providers. Our warranties can be provided in England, Scotland, Wales and Ireland. Type of membership: Member, The Mortgage Business plc Our structural warranty covers including New Building, Self Builds, Barns, Industrial Conversions & Retrospectively. . Type of membership: Member, The Chorley & District Building Society Without an approved warranty in place, mortgage lenders may not release funds . Head office: Allenview House, Hanham Road, Wimborne, Dorset, BH21 1AG, DX 45315 WIMBORNE Type of membership: Member, Affirmative Finance Limited Type of membership: Associate, The Property Search Group Type of membership: Associate, Experian Ltd Type of membership: Associate, Sprecher Grier Halberstam LLP LABC Warranty has a long list of mortgage lenders who have confirmed that the LABC Warranty New Home Warranty is acceptable to them. Type of membership: Member, Lloyds TSB Mortgages Head office: 80 The Strand, London, WC2R 0GR Type of membership: Member, The Woolwich Type of membership: Member, Newbury Building Society 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. Dependable team. The No. Type of membership: Member, Birmingham Midshires The Council of Mortgage Lenders (CML) is the UK association which speaks on behalf of the UK mortgage industry. Head office: 2/6 Cross Street, Swiss Mill Court, Beeston, Nottingham, NG9 2NX Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 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: Keaton House, Widewater Place, Moorhall Road, Harefield, Mddx, UB9 6NS To take fixed security over the shares in a Scottish company, the shares have to be transferred to the lender. Type of membership: Member, Topaz Finance PLC Type of membership: Member, Swift 1st Head office: 120 London Wall, London, EC2Y 5ET Head office: Grafton Court, Snowdon Drive, Milton Keynes, MK6 1AJ Registered in England at 11 Milbanke Court, Milbanke Way, Bracknell, Berkshire, RG12 1RP. Type of membership: Member, Platform Head office: 3rd Floor, Austin House, St Crispins Road, Norwich, NR3 1PX Register your interest for our Later Life Lenders programme to help address issues relating to adviser knowledge and their ability to communicate options. Consumer protection: Type of membership: Member, DB UK Bank Limited Guaranteed Rate: Best for variety of loan types. Our independent professional monitoring team work for you and have no conflict of interest in your project. Head office: Bracken House, Charles Street, Manchester, M1 7BD Head office: Sovereign House, P O Box 8, 8 Sovereign Street, Leeds, LS1 1HQ, DX 12004 LEEDS Head office: Sackville House, 143-149 Fenchurch Street, London, EC3M 6BN Type of membership: Associate, PricewaterhouseCoopers Type of membership: Associate, Willis Limited Type of membership: Member, Scottish Widows Bank plc Type of membership: Associate, B Legal Limited Guarantees are available for mortgage loans, apartment construction or repair financing, and transitional housing loans in eligible rural areas. Head office: 25 Cabot Square, Canary Wharf, London, E14 4QA Type of membership: Member, Catalyst Securities Limited Head office: 25 Basinghall Street, London, EC2V 5HA Type of membership: Associate, BPE Homemove LLP Key findings. Type of membership: Member, Beacon Homeloans Limited Simplicity is our core marketing principle. Type of membership: Member, HSBC Bank plc Type of membership: Member, Mortgage Express Ltd Type of membership: Member, Cheshire Building Society Type of membership: Member, Ahli United Bank (UK) plc Head office: Yorkshire House, Yorkshire Drive, Bradford, West Yorkshire, BD5 8LJ, DX 11798 BRADFORD The UK Finance Lenders' Handbook for conveyancers in England and Wales. This causes a variety of unwelcome issues. Type of membership: Associate, Wragge & Co Type of membership: Member, Scarborough Building Society Let's build better! 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. The Council of Mortgage Lenders issued a letter to the ICFA on the 13th September 2012 confirming the following statement: FEBRUARY 2010 The Valuation Panel of the Council of Mortgage Lenders confirmed that ICF (Insulating Concrete Formwork) construction is acceptable for mortgage purposes as a standard form of construction, subject to provision of valid product certification and monitoring of . Type of membership: Associate, First Title Insurance plc Accord Buy to Let; Accord Mortgages Limited; Adam & Company; Adam & You can check which warranty providers are approved by lenders on the UK Finance website. We are a credit broker and not a lender and offer credit facilities from a panel of lenders. Cover normally lasts for a period of 10 years after completion, and often it is required before mortgage lenders will . 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, Morgan Stanley Bank International Limited No: 727 7528. 231905. 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. Just email us your plans or planning reference number! Head office: Carmelite, 50 Victoria Embankment, Blackfriars, London, EC4Y 0DX Below, we list which Lenders currently approve The Q Policy. Apply online for a quote. Type of membership: Member, Barnsley Building Society For more information on warranties, or to consider your own position in relation to any of these issues, please do not hesitate to contact Campions Solicitors. Head office: 20 Canada Square, Canary Wharf, London, E14 5LH 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). which Q can offer to satisfy the mortgage lending criteria. Type of membership: Member, Leeds Building Society Type of membership: Associate, Navigant Consulting We offer new build and retrospective warranties. Head office: Level 31, Mortgages, 8 Canada Square, London, E14 5HQ Type of membership: Member, Saffron 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. Our Council of Mortgage Lenders recognised Professional Consultants Certificates serve a similar purpose to Architects Certificates but have a number of distinct advantages. 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Airdrie Savings Bank type of membership: Member, Halifax plc the Council of mortgage lenders professional. & Partners LLP retrospective warranties the gift that keeps giving taking security over shares in Scottish companies Council of lenders... Finance represents nearly 300 of the leading firms providing Finance, banking, markets and payments-related services in from! Of 10 years after completion, and often It is required before mortgage lenders was an industry body mortgage.

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