Type of membership: Associate, Hometrack Data Systems Ltd Council of Mortgage Lenders approved; . Not all defects on the title or property are accepted for indemnity insurance. warranty providers. Head office: Merchant House, 30 Cloth Market, Newcastle Upon Tyne, NE1 1EE UK Mortgage Lender Approval. We help our members to implement regulatory initiatives through a compliant and customer-focused approach, and by sharing best practice across the industry. Type of membership: Member, AIB Group (UK) plc Call: 02039 233 648 Key findings. Head office: Millennium Bridge House, 2 Lambeth Hill, London, EC4V 4AJ Type of membership: Member, Lloyds TSB Scotland plc Type of membership: Associate, Cardif Pinnacle 7 Best Home Warranty Companies [2023] 7 Best Home Security Systems [2023] More Reviews; . Type of membership: Associate, Phoebus Software Limited If you have any queries relating to lender approval, please call us on0800 183 1755. Head office: PO Box 236, Wilmslow, SK9 1WT Head office: Ambassador House, Paradise Road, Richmond upon Thames, Surrey, TW9 1SQ There may be defects that won't be reported for mortgage lending purposes, but which could be important to your client as the buyer. Type of membership: Member, ING Direct N.V. Head office: Arcadia House, The Warley Hill Business Park, The Drive, Brentwood, Essex, CM13 3BE 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. 6 Year Professional Consultants Certificate (PCC) Once known as an Architect's Certificate, or a CML Certificate (Council of Mortgage Lenders), the current industry standard for newly built or converted properties is a UK Finance Professional Consultants Certificate (PCC). Type of membership: Associate, B Legal Limited Head office: Castle Street, Macclesfield, Cheshire, SK11 6AF, DX 25001 MACCLESFIELD-2 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: Merrill Lynch Financial Centre, 2 King Edward Street, London, EC1A 1HQ If you have a query about a lender that is not listed here please contact us. It is accepted by the Council of Mortgage Lenders and high-street lenders. Type of membership: Member, Halifax plc Type of membership: Member, Nationwide Building Society Our warranties are recognised by UK Mortgage Lenders as detailed within the UK Finance Mortgage Lenders handbook. No: 727 7528. Head office: City House, City Road, Chester, CH88 3AN, DX 21645 CHESTER UK Finance delivers an extensive programme of events and training courses covering the latest developments in finance and banking. Type of membership: Member, National Westminster Home Loans 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: Member, First Trust Bank Head office: Duffield Hall, Duffield, Derbyshire, DE56 1AG Type of membership: Associate, John Collins & Partners LLP Head office: 1 Callaghan Square, Cardiff, CF10 5BT Type of membership: Associate, Countrywide plc Type of membership: Member, Amber Homeloans Ltd Protek Group Ltd is an Appointed Representative of Steve Wassell Insurance Management Ltd which is authorised and regulated by the Financial Conduct Authority. Type of membership: Member, Bristol & West Investments Plc Mortgage lenders have expressed concerns about the levels of knowledge among mortgage advisers about the later life lending market. The CML has provided a list of which schemes are accepted by each lender. Head office: 20 Merrion Way, Leeds, LS2 8NZ Head office: Roxburghe House, 273-287 Regent Street, London, W1A 4SQ, DX 53803 OXFORD CIRCUS NORTH The policies are approved by The Council of Mortgage Lenders. Weve got a jam, Great work from our Customer Service team. MD Insurance Services Ltd. is the scheme administrator for LABC Warranty and is authorised and regulated by the Financial Conduct Authority. Head office: 2/3 Hind Court, Fleet Street, London, EC4A 3DL, DX154 LONDON Cover normally lasts for a period of 10 years after completion, and often it is required before mortgage lenders will . The UK government does not require homeowners to take out new build 10 year warranties on their new buildings. Type of membership: Member, Stonehaven UK Ltd We are a credit broker and not a lender and offer credit facilities from a panel of lenders. 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: Welland House, The Square, Market Harborough, Leicestershire, LE16 7PD, DX 27312 MARKET HARBOROUGH Enter to open, tab to navigate, enter to select 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. Guaranteed Rate: Best for variety of loan types. Type of membership: Member, Barclays Type of membership: Member, Intelligent Finance 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. 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. Head office: Level 25, 1 Churchill Place, Canary Wharf, London, E14 5HP Type of membership: Member, Tiuta PLC Head office: Sovereign House, P O Box 8, 8 Sovereign Street, Leeds, LS1 1HQ, DX 12004 LEEDS Type of membership: Associate, The Property Search Group Head office: Barnwood, Barnett Way, Gloucester, GL4 3RL, DX 55251 GLOUCESTER-2 Do you know where to find the best deals? Head office: Welland House, The Square, Market Harborough, Leicestershire, LE16 7PD, DX 27312 MARKET HARBOROUGH 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 . This broadly the industry standard for warranty schemes. Head office: 22 The Hollow, Earl Shilton, Leicester, LE9 7NB Type of membership: Member, Swift 1st 1100 Abernathy Road Bldg. Protek warranty has wide lender approval from banks and building societies in the UK. Type of membership: Member, Ulster Bank Ltd Head office: Nationwide House, Pipers Way, Swindon, SN38 1NW, DX 83654 SWINDON HAWKSWORTH Type of membership: Associate, Ernst & Young LLP Head office: Yorkshire House, Yorkshire Drive, Bradford, West Yorkshire, BD5 8LJ, DX 11798 BRADFORD Head office: 7 Belton Road, Silsden, Keighley, West Yorkshire, BD20 0EE Use tab to navigate through the menu items. 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: Associate, Islamic Bank of Britain Head office: PO Box 89, Principality Buildings, Queen Street, Cardiff, CF10 1UA 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, Skipton Building Society Type of membership: Member, Earl Shilton Building Society Head office: 83 Victoria Street, London, SW1H 0HW Type of membership: Associate, My Home Move Ltd UK Finance Limited (trading as UK Finance) 2020. Head office: 6-20 Russell Street, Nelson, Lancashire, BB9 7NJ If you have any queries about the Handbook please view theFAQs section. We help our members to implement regulatory initiatives through a compliant and customer-focused approach, and by sharing best practice across the industry. Type of membership: Member, Market Harborough Mortgages Ltd This warranty must be transferable upon sale of the property to the new owners. Type of membership: Member, Godiva Mortgages Limited 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. 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, Holmesdale Building Society Approved Warehouse Line Providers . 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. LABC Warranty works in partnership with Local Authority Building Control to provide structural warranty services for developers, builders and housing providers. Type of membership: Member, Clydesdale Bank plc This list is regularly updated as Lenders update their approval lists - please check back! While they are not a legal requirement for sellers, mortgage lenders require a building to pass an EWS1 fire safety inspection before they will lend to new buyers. Check out this list of full members and associate members of the Council of Mortgage Lenders together with contact details :-, Abbey They are normally for a period of 10 -12 years after completion and there are a range of warranty covers to suit all types of projects. Head office: Corporate Headquarters, Watling Street, Bexleyheath, Kent, DA6 7RR, DX 90000 BEXLEYHEATH-2 CMLC are specialist providers of 10 Year Structural Warranties and we can also offer a range of other services such as Valuations and Bank Monitoring. Head office: Rowcroft, Stroud, Gloucestershire, GL5 3BG, DX 122260 STROUD-3 Type of membership: Member, Dudley Building Society Head office: Bracken House, Charles Street, Manchester, M1 7BD Type of membership: Member, Oakwood Homeloans Ltd Head office: Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL, DX 61010 NEWCASTLE UPON TYNE Q is an Appointed Representative of Steve Wassell Insurance Management Ltd which is authorised and regulated by the Financial Conduct Authority - Reg. You should take care to have the builder remedy any issues with the property within the first 2 years of your ownership as this will ensure they are fixed with the least possible cost and trouble. Head office: 17 Bartholomew Street, Newbury, Berkshire, RG14 5LY, DX 30822 NEWBURY Head office: 111 St Jamess Road, Croydon, Surrey, CR0 2UW Type of membership: Associate, Clayton Euro Risk Limited As the UK's second largest mortgage provider, the building society offers a wide number of products, mainly with fixed rates. We work with members to support the UK as a global leader in financial services. Type of membership: Associate, Retirement Plus Limited Head office: Golden House, 30 Great Pulteney Street, London, W1F 9LT Type of membership: Member, Harpenden Building Society 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. Using an advisor makes applying for a mortgage incredibly easy and asking for help is a breeze as well. 805468. A warranty scheme acts as insurance covering named defects to the property. Type of membership: Associate, Assurant Solutions Type of membership: Associate, Experian Ltd Type of membership: Member, Manchester Building Society Head office: Northern Rock House, Gosforth, Newcastle upon Tyne, NE3 4PL, DX 60350 GOSFORTH Head office: 402 Lana House, 118 Commercial Street, London, E1 6NF We offer new build and retrospective warranties. Type of membership: Member, Bank of Scotland Type of membership: Member, Cheshire Mortgage Corporation Type of membership: Member, Catalyst Securities Limited Type of membership: Member, Distinct Mortgages Ltd Type of membership: Member, Newbury Building Society Head office: Dundas House, 20 Brandon Street, Edinburgh, EH3 5PP Type of membership: Member, Swansea Building Society Type of membership: Member, Lloyds TSB Mortgages Type of membership: Member, Norwich Union Equity Release Head office: Citigroup Centre, Canada Square, London, E14 5LB Technology providers and capabilities are critical to reduce the length of the end-to-end mortgage process and to improve the overall customer experience. Steve Wassell Insurance Management Limited FCA Reg. Type of membership: Member, Britannia Building Society Head office: The Oriel, Sydenham Road, Guildford, Surrey, GU1 3SR, DX 2407 Guildford Head office: 56 Stirling Street, Airdrie, ML6 0AW Head office: Bakers Court, Bakers Road, Uxbridge, Middlesex, UB8 1RG Head office: Lahnstein House, Gold Street, Kettering, Northants, NN16 8AP Type of membership: Member, Topaz Finance PLC The handbook for England & Wales also includes a part 3 which sets out standard instructions to be used where a conveyancer is representing the lender but not the borrower. 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. It helps people to get pre-qualified and pre-approved by lenders so they can purchase a residential property. Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 Type of membership: Member, Teachers Building Society 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. However, most buildings are covered by this warranty as it is required by lenders. Head office: 100 Liverpool Street, London, EC2M 2RH Members to implement regulatory initiatives through a compliant and customer-focused approach, and by sharing practice! Regulated by the Council of Mortgage Lenders approved ;, builders and housing Providers by the Council of Lenders... ) plc Call: 02039 233 648 Key findings insurance covering named to! Practice across the industry best practice across the industry for variety of loan types update their approval lists please... 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