AmeriSave: Best for overall affordability. If you have any queries about the Handbook please view theFAQs section. Head office: 27-31 Charlotte Street, London, W1T 1RP Type of membership: Member, Swansea Building Society Type of membership: Member, Bristol & West Investments Plc Head office: 410 Thames Valley Park Drive, Reading, Berks, RG6 1RH, DX 84150 CAVERSHAM 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. Type of membership: Member, Church House Trust Plc Type of membership: Member, Beacon Homeloans Limited Head office: 14-16 Station Road, Harpenden, Hertfordshire, AL5 4SE, DX 80470 HARPENDEN The CMA will consider whether this is the case in the review. Type of membership: Member, Cheltenham & Gloucester plc 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. We also support the home buying process through the UK Finance Handbook and our work with governments and representatives from the legal communities. Below is a list of lenders that currently accept the Build-Zone Structural Warranty for self-builds. Type of membership: Member, CitiFinancial Europe plc Scam Warning: 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. 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. Type of membership: Member, DB UK Bank Limited Type of membership: Associate, Thomas Eggar LLP Head office: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ Type of membership: Associate, The Property Search Group Approved Warehouse Line Providers . Head office: Grafton Court, Snowdon Drive, Milton Keynes, MK6 1AJ 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. Our structural warranty providers have over 20 years in the insurance industry and their goal . 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, Bath Investment & Building Society Rachel Witkowski. Type of membership: Member, GMAC-RFC Ltd 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: Bridge House, Queens Park Road, Handbridge, Chester, CH4 7AD Don't see a particular Lender below? This week we published our housing and market forecasts for 2023 and 2024. Head office: Merrill Lynch Financial Centre, 2 King Edward Street, London, EC1A 1HQ The release of UK Finances Household Finance Review for Q3 2022 in early December came at a low point for the UK economy. Council of Mortgage Lenders approved; . Just email us your plans or planning reference number! Head office: Economic House, PO Box 9, High Street, Coventry, CV1 5QN, DX 18855 COVENTRY-2 Head office: 120 London Wall, London, EC2Y 5ET Type of membership: Associate, Barnetts Solicitors Authorized advisors are able to research mortgage lenders criteria in granular detail across many lenders. Head office: Po Box 183, Donegall Square West, Belfast, BT1 6JS Or email us at gcho@gustancho.com. Type of membership: Member, Sainsburys Bank plc 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 . Accord Mortgages. . Type of membership: Associate, MetLife . Head office: Ten Trinity Square, London, EC3P 3AX Giving you peace of mind. 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. Insurance brokers and Intermediaries | Working with Protek, Product Governance Reviews | Fair Value Assessments, Bank Of Scotland See Lloyds Banking Group, Birmingham Midshires See Lloyds Banking Group, Chorley and District Building Society Accept most standard warranties, Cumberland Building Society Will consider on an individual case by case basis please refer to Customer Service Department, Mortgage Underwriting, Dudley Building Society Individual acceptance, Kent Reliance Building Society Individual Acceptance. Head office: 12 Market Square, Chesham, Buckinghamshire, HP5 1ER, DX 50314 CHESHAM-1 Type of membership: Member, Money Partners Holdings Limited Type of membership: Member, The Woolwich Head office: Henry Duncan House, 120 George Street, Edinburgh, EH2 4LH Further confirmation of Lender approval of LABC Warranty for is available under section 6.7 of the CML Lender's Handbook. No. Head office: Granville House, Festival Park, Hanley, Stoke-on-Trent, Staffordshire, ST1 5TB, DX 701700 HANLEY-2 (formerly the Council of Mortgage Lenders) and are based on gross lending amounts. Type of membership: Member, Chelsea Building Society Type of membership: Member, First Trust Bank Head office: 42 St Andrew Square, Edinburgh, EH2 2YE 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. Our structural warranty covers including New Building, Self Builds, Barns, Industrial Conversions & Retrospectively. Head office: 1 Balloon Street, Manchester, M60 4EP The Q Policy has been approved by the Homes & Communities Agency for the government's Help to Buy Scheme. Our warranties can be provided in England, Scotland, Wales and Ireland. The Council of Mortgage Lenders' Handbook. Best Mortgage Lenders Of February 2023. Type of membership: Member, Yorkshire Bank @ProtekWarranty rang of retrospective warranty is becoming increasingly popular with people who already have an arc https://t.co/XlFcDfEt4g, RT @Frame_Tech: Todays the day! Head office: Unit 2 Guild House, 221 Kincraig Road, Blackpool, FY2 0PJ Type of membership: Member, Scarborough Building Society 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. Type of membership: Associate, Eversheds LLP 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. 1.2: Same as Part 1 in the UK Finance Mortgage Lenders' Handbook for Conveyancers - save that references to . Type of membership: Associate, Checkmate Mortgages Limited Head office: PO Box 547, Freehold House, The Havens, Ransomes Europark, Ipswich, IP3 9WZ 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. Head office: 12/14 Ridgeway Street, Douglas, Isle of Man, IM1 1EN action fraud. Carrington: Best for borrowers with weaker credit. The Council of Mortgage Lenders (CML) has introduced changes which will affect new homes where contracts are exchanged after 1 April 2003. Head office: 80 The Strand, London, WC2R 0GR Below, we list which Lenders currently approve The Q Policy. Head office: Accounts department, Gainsborough House, Houghton Hall Park, Houghton Regis, LU5 5XF Type of membership: Member, Stonehaven UK Ltd Our warranties are recognised by UK Mortgage Lenders as detailed within the UK Finance Mortgage Lenders handbook. Head office: Prince Frederick House, 37 Maddox Street, London, W1S 2PP Rent-a-roof schemes saw companies offer free solar panels in exchange for being able to sell the excess electricity produced. Head office: 17 Bartholomew Street, Newbury, Berkshire, RG14 5LY, DX 30822 NEWBURY Use tab to navigate through the menu items. 500: Atlanta: GA: 30328: Kip Buss (470) 307-3511: Western Alliance Bank: 2701 East Camelback Road, Suite 110: fellow or member of the Royal Institution of Chartered Surveyors (FRICS or MRICS); or, fellow or member of the Institution of Structural Engineers (F.I.Struct.E or M.I.Struct.E); or, fellow or member of the Chartered Institute of Building (FCIOB or MCIOB); or, fellow or member of the Architecture and Surveying Institute (FASI or MASI) (only if in conjunction with a FCIOB or MCIOB qualification); or, fellow or member of the Chartered Association of Building Engineers (C.Build E MCABE and C.Build E FCABE); or, member of the Chartered Institute of Architectural Technologists (formerly British Institute of Architectural Technologists) (MCIAT); or, architect registered with the Architects Registration Board (ARB). Apply online for a quote. Head office: 6 Lochside Avenue, Edinburgh Park, Edinburgh, EH12 9DJ Type of membership: Associate, Legal & General Assurance Society Ltd Head office: Peterborough Business Park , Lynch Wood, Peterborough, PE2 6WZ, DX 29181 LYNCHWOOD Head office: edeus house, 1 Trinity Court, Broadlands, Wolverhampton, WV10 6UH If you think you may have been a victim of a scam please contact your bank immediately and report it to Head office: 180 Brompton Road, London, SW3 1HQ Type of membership: Member, The Ecology Building Society 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. 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. Type of membership: Member, Leek United Building Society Registered in England No: 3642459 | Website by Fuelius. Head office: Level 31, Mortgages, 8 Canada Square, London, E14 5HQ Head office: 1 Filey Street, Bradford, BD1 5AT Best for lower credit scores: Rocket Mortgage. 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. Our specialists provide an unmatched breadth and depth of knowledge. It is important to check that the warranty provider you are considering using is registered with The Financial Services Compensation Scheme (FSCS) and operates under a Consumer Code that is recognised by the Consumer Trading Standards Institute. Head office: First Floor, 6 Broadgate, London, EC2M 2QS Our independent professional monitoring team work for you and have no conflict of interest in your project. Head office: Caledonia House, Carnegie Avenue, Dunfermline, Fife, KY11 8PJ The Strand, London, WC2R 0GR below, we list which currently. 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