mortgage approval rates fell by 87%. 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. The Handbook is voluntary for lenders and not all choose to use it. Head office: Southwark Towers, 32 London Bridge Street, London, SE1 9SY, DX 38800 LONDON BRIDGE SE1 Type of membership: Associate, IBM Global Business Services The outstanding value of all residential mortgage loans was 1,584.1 billion at the end of 2021 Q2, 4.6% higher than a year earlier (Table A). Head office: 70 Owen Street, Tipton, West Midlands, DY4 8HG, DX 700152 TIPTON Type of membership: Associate, Barnetts Solicitors Head office: 4 Thorpe Way, Grove Park, Enderby, Leicester, LE19 1SU We help our members to implement regulatory initiatives through a compliant and customer-focused approach, and by sharing best practice across the industry. Head office: Eastern Gate, Brants Bridge, Bracknell, Berkshire, RG12 9BZ, DX 33624 BRACKNELL 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. This broadly the industry standard for warranty schemes. 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. Type of membership: Member, Earl Shilton Building Society Head office: Pennine House, Well Street , Bradford, W Yorskshire, BD1 5NU Head office: Lahnstein House, Gold Street, Kettering, Northants, NN16 8AP Or email us at gcho@gustancho.com. Head office: 30 St Vincent Place, Glasgow, G1 2HL, DX 500500 CLYDEBANK 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, Heritable Bank Ltd Head office: Caledonia House, Carnegie Avenue, Dunfermline, Fife, KY11 8PJ This is because most of the major banks and building societies will only accept warranty providers who have met this requirement. Head office: Abbey House, 2 Triton Square, Regents Place, London, NW1 3AN Head office: Edgbaston House, 3 Duchess Place, Birmingham, B16 8NH 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: Member, Mortgages plc We also represent those who lend commercially to social housing. UK Finance Limited trading as UK Finance. Head office: edeus house, 1 Trinity Court, Broadlands, Wolverhampton, WV10 6UH Head office: 402 Lana House, 118 Commercial Street, London, E1 6NF A warranty scheme acts as insurance covering named defects to the property. Head office: 3rd Floor, Austin House, St Crispins Road, Norwich, NR3 1PX Head office: 56 Stirling Street, Airdrie, ML6 0AW Type of membership: Associate, Acadametrics Limited Type of membership: Member, Chelsea Building Society Head office: Millennium Bridge House, 2 Lambeth Hill, London, EC4V 4AJ Head office: 125 London Wall, London, EC2Y 5AJ Type of membership: Member, CHL Mortgages Type of membership: Associate, TLT Solicitors Type of membership: Member, Airdrie Savings Bank Key benefits of a . Type of membership: Member, Northern Bank Ltd Head office: Kernow House, Newham, Truro, TR1 2XP Head office: 101 Park Avenue, 48th Floor, NEW YORK, NY 10178 Type of membership: Member, HSBC Bank plc 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. Head office: St. Johns Place, Easton Street, High Wycombe, Bucks, HP11 1NL, DX 149220 High Wycombe The Council of Mortgage Lenders was an industry body representing mortgage lenders in the United Kingdom . Don't see a particular Lender below? Head office: 6th Floor, The Chambers, Chelsea Harbour, London, SW10 0XF 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. Type of membership: Associate, Genworth Financial Head office: 11 Cradock Street, Swansea, West Glamorgan, SA1 3EW, DX 39595 SWANSEA Type of membership: Associate, UBS Limited State Bank and Trust Company, The Suzanne M Reichard NMLS# 451593. Type of membership: Member, Future Mortgages Ltd Type of membership: Member, Yorkshire Bank Type of membership: Associate, Wragge & Co December is a festive time, with a lot of eating, drinking and often, spending. Some Lenders will also accept a Professional Certificate in lieu of an approved structural warranty scheme. Head office: 14-16 Station Road, Harpenden, Hertfordshire, AL5 4SE, DX 80470 HARPENDEN Head office: Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL, DX 61010 NEWCASTLE UPON TYNE Head office: 105 Albion Street, Leeds, LS1 5AS With a 10 year policy, you want a partner you can trust. 2) Lower, LLC Brianne Nichole Kesner NMLS# 1373401. Its members consisted of banks, building societies and specialist lenders and represented 95% of mortgage lending in the UK. LABC Warranty works in partnership with Local Authority Building Control to provide structural warranty services for developers, builders and housing providers. Protek warranty has wide lender approval from banks and building societies in the UK. Head office: 7 Belton Road, Silsden, Keighley, West Yorkshire, BD20 0EE Tax advisers and accountants are still phoning HMRC for a paper copy of . Head office: Arndale House, Charles Street, Bradford, BD1 1UN, DX 712510 BRADFORD 10 Type of membership: Member, Leek United Building Society Head office: 1 Connaught Place, Marble Arch, London, W2 2DY, 142060 MARBLE ARCH 2 Protek Group Ltd is an Appointed Representative of Steve Wassell Insurance Management Ltd which is authorised and regulated by the Financial Conduct Authority. Head office: Citigroup Centre, Canada Square, London, E14 5LB 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, Coutts & Co Head office: 1 Providence Place, Skipton, North Yorkshire, BD23 2HL, DX 21761 SKIPTON The UK government does not require homeowners to take out new build 10 year warranties on their new buildings. Type of membership: Member, Cheshire Building Society Published 9 August 2016 Last updated . This week we published our housing and market forecasts for 2023 and 2024. Head office: 57 Market Place, Beverley, East Yorkshire, HU17 8AA Type of membership: Member, Astra Mortgages It is accepted by the Council of Mortgage Lenders and high-street lenders. Type of membership: Associate, Calnea Analytics Ltd 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. TN8 6HF. All rights reserved. 5TH FLOOR, 1 ANGEL COURT, LONDON EC2R 7HJ, UK Finance mortgage lenders' handbook for conveyancers. Type of membership: Member, Money Partners Holdings Limited Head office: 156 Milligan Street, London, E14 8AS 805468. 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: Portman House, Richmond Hill, Bournemouth, BH2 6EP Type of membership: Member, DB UK Bank Limited Premier Guarantee work with a panel of leading insurers to bring you the most comprehensive Structural Warranty cover in the market. Head office: 8 & 9 Bon Accord Crescent, Aberdeen, AB11 6DN 19. Best for flexible loan options: PNC Bank . Head office: High Street, Chalfont St Giles, Buckinghamshire, HP8 4QB, DX 31951 CHALFONT ST PETER Type of membership: Member, National Westminster Home Loans Head office: 117-119 Whitby Road, Slough, SL1 3DR This can be accessed on-line viahttps://lendershandbook.ukfinance.org.uk/lenders-handbook/. No. Type of membership: Associate, Fool Financial Services Ltd Head office: 2nd Floor, 440 Strand, London, WC2R 0QS, DX 141813 COVENT GARDEN 5 Type of membership: Associate, B Legal Limited Type of membership: Member, Dudley Building Society Type of membership: Member, London Mortgage Company Head office: 51-55 Duke Street, Barrow-in-Furness, Cumbria, LA14 1RT, DX 63922 BARROW Head office: Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey, RH2 7RU Type of membership: Member, Catalyst Securities Limited Type of membership: Member, Scottish Widows Bank plc It. Part 3 should be read in conjunction with parts 1 and 2. Type of membership: Member, Oakwood Homeloans Ltd 4.99 67 Reviews (0 Recent |. Head office: Jarman House, Mathisen Way, Poyle Road, Colnbrook, Berkshire, SL3 0HF A mortgage bank could be a retail or a direct lenderincluding large banks, online mortgage lenders like Quicken, or credit unions. 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. 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. All the schemes marketed by LABC Warranty are managed by MD Insurance Services Limited (FCA FRN 306947). Type of membership: Member, Yorkshire Building Society Best for lower credit scores: Rocket Mortgage. 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, Standard Life Bank Ltd Type of membership: Associate, Taylor Wessing The warranty is provided either by a warranty scheme or a Council of Mortgage Lenders (CML) Professional Consultants Certificate. 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). Type of membership: Associate, TietoEnator The Council of Mortgage Lenders' Handbook. Type of membership: Associate, Legal & General Assurance Society Ltd Head office: 83 Victoria Street, London, SW1H 0HW 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. Head office: Frizzell House, County Gates, Bournemouth, BH1 2NF Type of membership: Member, Darlington Building Society Type of membership: Member, Topaz Finance PLC Type of membership: Member, The Ecology Building Society Head office: PO Box 232, 51 Newmarket Road, Cambridge, CB5 8FF, DX 133158 CAMBRIDGE 8 Head office: Pacific House, Relay Point, Tamworth, Staffordshire, B77 5PA Type of membership: Member, Capital Bank Mortgages Ltd Head office: Eldon House, 2 Eldon Street, London, EC2M 7UA Type of membership: Associate, Matthew Arnold & Baldwin Head office: Davidson House, 2 Forbury Square, Reading, RG1 3EU Head office: 1 Baird Road, Kirkton Campus, Livingston, EH54 7AZ Contact Us Head office: Economic House, PO Box 9, High Street, Coventry, CV1 5QN, DX 18855 COVENTRY-2 Below, we list which Lenders currently approve The Q Policy. Type of membership: Member, edeus mortgage creators Limited The Council of Mortgage Lenders (CML) has introduced changes which will affect new homes where contracts are exchanged after 1 April 2003. 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. Type of membership: Member, The Woolwich Edenbridge, Type of membership: Member, Newbury Building Society Type of membership: Member, Loughborough Building Society Approved Warehouse Line Providers . Type of membership: Member, The Mansfield Building Society footnote. Head office: Radcliffe House, Blenheim Court, Warwick Road, Solihull, West Midlands, B91 2AA Type of membership: Member, Allied Irish Bank (GB) Head office: Two Castle Terrace, Edinburgh, EH1 2YA Head office: 12/14 Ridgeway Street, Douglas, Isle of Man, IM1 1EN Type of membership: Associate, Eversheds LLP Authorised and Regulated by the, There are lots of different warranty schemes in existence and each mortgage lender will have their own standards of which schemes are acceptable. UK Mortgage Lender Approval. Type of membership: Member, CitiFinancial Europe plc 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. The policies are approved by The Council of Mortgage Lenders. 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. No. Type of membership: Associate, Redstone Mortgages plc Type of membership: Member, Harpenden Building Society As with warranty schemes, the professions which the lenders will accept certificates from will vary from lender to lender. Head office: Vertex House, Greencourts Business Park, 333 Styal Road, Manchester, M22 5TX Use the search below to select a region and/or a lender's part 2 response. Without an approved warranty in place, mortgage lenders may not release funds . 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). We provide comprehensive lender data and statistics to help policymakers understand key trends and the impact of legal and regulatory change. Head office: 7 Strutton Ground, Westminster, London, SW1P 2HY Council of Mortgage Lenders approved; . Type of membership: Associate, Rosling King Solicitors 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: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ Type of membership: Member, Darlington Mortgage Services Limited It must be administered by a professional consultant, like an architect. Head office: 12 Eclipse Office Park, Staple Hill, Bristol, BS16 5EL Type of membership: Member, Tipton & Coseley Building Society Type of membership: Member, Homeloan Management Ltd AmeriSave: Best for overall affordability. Direct lenders (banks and mortgage companies): Financial institutions that originate, process, and fund the loans themselves. Further confirmation of Lender approval of LABC Warranty for is available under section 6.7 of the CML Lender's Handbook. Head office: Barnwood, Barnett Way, Gloucester, GL4 3RL, DX 55251 GLOUCESTER-2 Type of membership: Associate, Hometrack Data Systems Ltd Using an advisor makes applying for a mortgage incredibly easy and asking for help is a breeze as well. As the UK's second largest mortgage provider, the building society offers a wide number of products, mainly with fixed rates. Check out this list of full members and associate members of the Council of Mortgage Lenders together with contact details :-, Abbey 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. Type of membership: Member, Nationwide 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, Catholic Building Society Head office: Keith House, Redheughs Rigg, South Gyle Crescent, Edinburgh, EH12 9DQ This causes a variety of unwelcome issues. A structural defect warranty is expected on a property of 10 years or less (a few lenders might expect 12). Type of membership: Associate, The Property Search Group Head office: Castle Street, Macclesfield, Cheshire, SK11 6AF, DX 25001 MACCLESFIELD-2 Type of membership: Associate, Optima Legal Services Ltd Our independent professional monitoring team work for you and have no conflict of interest in your project. If you have a query about a lender that is not listed here, contact us on 0345 230 9874 or email sales@selfbuildzone.com. 1 Choice for CML Approved Building Certificates. 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. Head office: Allenview House, Hanham Road, Wimborne, Dorset, BH21 1AG, DX 45315 WIMBORNE Head office: Peterborough Business Park , Lynch Wood, Peterborough, PE2 6WZ, DX 29181 LYNCHWOOD Type of membership: Member, Manchester Building Society 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. 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. Mortgage lenders have expressed concerns about the levels of knowledge among mortgage advisers about the later life lending market. Giving you peace of mind. We've worked closely with our providers to offer a Structural Warranty policy that is designed to meet your needs. 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