The information contained within Criteria Brain is for advisor use only but by completing the simple form, you could be speaking to an advisor who can answer this question and many more. Type of membership: Member, Godiva Mortgages Limited Type of membership: Member, Credit & Mercantile plc Type of membership: Member, West Bromwich Mortgage Company Limited Type of membership: Member, Cheshire Mortgage Corporation Head office: 120 London Wall, London, EC2Y 5ET A mortgage lender sponsors an educational lunch for real estate agents where employees of the lender are invited to speak. Head office: Progressive House, 33-37 Wellington Place, Belfast, BT1 6HH, DX 4230 NR BELFAST 26 Head office: Keith House, Redheughs Rigg, South Gyle Crescent, Edinburgh, EH12 9DQ 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). Part 3 should be read in conjunction with parts 1 and 2. Head office: 6th Floor, The Chambers, Chelsea Harbour, London, SW10 0XF Type of membership: Associate, Hometrack Data Systems Ltd Type of membership: Associate, Mortgage Brain Ltd Type of membership: Member, Chesham Building Society Key benefits of a . Type of membership: Member, Chelsea Mortgage Services Head office: 24 Friar Lane, Nottingham, NG1 6DU UK Finance Limited trading as UK Finance. 3) Ruoff Home Mortgage Nathanael Peppi Jones NMLS# 1841663. Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Head office: 6 Lochside Avenue, Edinburgh Park, Edinburgh, EH12 9DJ Head office: Admiral House, Harlington Way, Fleet, Hampshire, GU51 4YA Type of membership: Member, Bank of Cyprus UK New American Funding: Best for low APR. Type of membership: Member, Amber Homeloans Ltd When Jenrick made the announcement last month, he said 'all major lenders' welcomed the new advice, suggesting lenders would now stop asking for EWS1s for properties in smaller . There are lots of different warranty schemes in existence and each mortgage lender will have their own standards of which schemes are acceptable. Type of membership: Associate, Thomas Eggar LLP Head office: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ Head office: Cumberland House, Castle Street, Carlisle, Cumbria, CA3 8RX, DX 63025 CARLISLE A building warranty, also known as a structural warranty or latent defects insurance, protects against damage caused by defects in the design, workmanship, materials, or components in new buildings or converted properties. Register your interest for our Later Life Lenders programme to help address issues relating to adviser knowledge and their ability to communicate options. Head office: Arndale House, Charles Street, Bradford, BD1 1UN, DX 712510 BRADFORD 10 Type of membership: Member, Bank of Scotland Type of membership: Associate, Retirement Plus Limited We are listed in the UK Finance (Old CML) Handbook and the Building Societies Association Mortgage Instructions, which describe each lenders' specific requirements. Head office: The Mound, Edinburgh, EH1 1YZ 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 Just email us your plans or planning reference number! Head office: Level 25, 1 Churchill Place, Canary Wharf, London, E14 5HP The release of UK Finances Household Finance Review for Q3 2022 in early December came at a low point for the UK economy. Our structural warranties are widely recognised by UK Mortgage Lenders, as listed in the UK Finance/Council of Mortgage Lenders handbook. 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). This can be accessed on-line viahttps://lendershandbook.ukfinance.org.uk/lenders-handbook/. Our members undertake an estimated 97 per cent of the UK's residential mortgage lending. Head office: 5-7 Abbey Court, Eagle Way, Sowton, Exeter, Devon, EX2 7HY, DX 135607 EXETER 16 Type of membership: Member, London Mortgage Company Head office: 2nd Floor, 440 Strand, London, WC2R 0QS, DX 141813 COVENT GARDEN 5 which Q can offer to satisfy the mortgage lending criteria. No: 727 7528. The best mortgage lenders. 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. Type of membership: Member, Bath Investment & Building Society Head office: Caledonia House, Carnegie Avenue, Dunfermline, Fife, KY11 8PJ Type of membership: Associate, Vertex Financial Services Head office: Eastern Gate, Brants Bridge, Bracknell, Berkshire, RG12 9BZ, DX 33624 BRACKNELL Best for no fees: Ally Bank. Head office: Bakers Court, Bakers Road, Uxbridge, Middlesex, UB8 1RG 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 . 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, Jeffrey Green Russell Head office: City House, City Road, Chester, CH88 3AN, DX 21645 CHESTER Head office: 1 Providence Place, Skipton, North Yorkshire, BD23 2HL, DX 21761 SKIPTON Type of membership: Member, Leeds Building Society Type of membership: Member, DB UK Bank Limited All rights reserved. TN8 6HF. 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. If you have any queries about the Handbook please view theFAQs section. Our surveyors can be appointed and on site within a matter of days. Type of membership: Member, West Bromwich Building Society Customers benefit from building control and risk management expertise from a network of more than 3,500 surveyors. Head office: 6-20 Russell Street, Nelson, Lancashire, BB9 7NJ Type of membership: Associate, Redstone Mortgages plc Head office: 250 St Vincent Street, Glasgow, G2 5SH Head office: 81 Upper Bond Street, Hinckley, Leicestershire, LE10 1DG, DX 716435 HINCKLEY Kent, Head office: 1 Callaghan Square, Cardiff, CF10 5BT Type of membership: Member, Bristol & West Investments Plc Type of membership: Member, Platform Keep up to date with news from LABC Warranty and share our regular technical articles written by industry experts with your colleagues and stakeholders. written and contributed by Gateway Surveyors Mortgage lenders will only accept newly built or newly converted property if it is provided with an approved new build warranty or it is built (or newly converted) under the supervision of a suitably qualified professional (with appropriate professional . 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: Member, Manchester Building Society Head office: Merrill Lynch Financial Centre, 2 King Edward Street, London, EC1A 1HQ Guaranteed Rate: Best for variety of loan types. Type of membership: Member, Kensington Mortgages Head office: 117-119 Whitby Road, Slough, SL1 3DR 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. As the UK's second largest mortgage provider, the building society offers a wide number of products, mainly with fixed rates. Head office: Accounts department, Gainsborough House, Houghton Hall Park, Houghton Regis, LU5 5XF Type of membership: Member, Sainsburys Bank plc Head office: Woodland Place, Pinetrees Road, Norwich, Norfolk, NR7 9EJ Key findings. Type of membership: Associate, PricewaterhouseCoopers Type of membership: Member, HSBC Bank plc Advantage is one of the UK's leading specialists in structural warranties, with over 85 years of experience in this field. Type of membership: Associate, Fasttrac Remortgage Ltd A sense of stability was only just returning after the political and economic turmoil surrounding the September mini-budget, an event that saw consumer confidence plumb new record depths. Simplicity is our core marketing principle. 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. Type of membership: Member, Scottish Widows Bank plc Head office: Eldon House, 2 Eldon Street, London, EC2M 7UA It is the gift that keeps giving taking security over shares in Scottish companies. Type of membership: Associate, Legal Marketing Services Limited Check out this list of full members and associate members of the Council of Mortgage Lenders together with contact details :-, Abbey Type of membership: Associate, Callcredit plc Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Or email us at gcho@gustancho.com. Type of membership: Associate, Rightmove Data Type of membership: Associate, First Title Insurance plc Head office: John Frost Square, Newport, South Wales, NP20 1PX, DX 33240 NEWPORT (GWENT) Type of membership: Member, Bradford & Bingley plc Head office: 40 Wakefield Road, Leeds, LS98 1FD Confirmation from the 'scheme provider' that the . Type of membership: Associate, Mazars LLP Campions Solicitors Fixed Fees for Legal Work. Type of membership: Associate, Irwin Mitchell News > New lifetime mortgage provider gets FCA approval. Using an advisor makes applying for a mortgage incredibly easy and asking for help is a breeze as well. Consumer protection: Head office: 30/31 Queen Street, Edinburgh, EH2 1JX Type of membership: Associate, UKValuation Ltd Head office: Reading International Business Park, Basingstoke Road, Reading, RG2 6DB 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: 1 Connaught Place, Marble Arch, London, W2 2DY, 142060 MARBLE ARCH 2 Head office: Portman House, Richmond Hill, Bournemouth, BH2 6EP 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: 105 Albion Street, Leeds, LS1 5AS You can also see which Lenders currently list Q as an Approved Scheme here: https://lendershandbook.ukfinance.org.uk/lenders-handbook/. Registered address: 1 Angel Court, London, EC2R 7HJ As a homeowner, you should note that newly-built houses may easily experience . 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). Head office: SBS House, 193 Dalry Road, Edinburgh, EH11 2EF In some cases this may mean working with .. 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, Monmouthshire Building Society Type of membership: Associate, Lovells LLP Type of membership: Member, Hanley Economic Building Society Type of membership: Member, Derbyshire Home Loans Ltd Get in touch to discuss BOPAS accreditation. Type of membership: Member, 5D Finance Limited Type of membership: Member, Money Partners Holdings Limited Type of membership: Associate, TLT Solicitors Head office: 4 Queens Square, Belfast, BT1 3DJ 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. Type of membership: Member, New Life Mortgages Ltd Head office: Mercantile House, Blackberry Lane, Lingfield, Surrey, RH7 6NG, Crocus Home Loans Limited Type of membership: Member, Prudential Lifetime Mortgages Type of membership: Member, Progressive Building Society Head office: Rowcroft, Stroud, Gloucestershire, GL5 3BG, DX 122260 STROUD-3 Type of membership: Member, National Counties Building Society Head office: 30 St Vincent Place, Glasgow, G1 2HL, DX 500500 CLYDEBANK Unit 2, Enterprise Way, Mortgage lenders have expressed concerns about the levels of knowledge among mortgage advisers about the later life lending market. Head office: Centurion House, 24 Monument Street, London, EC3R 8AJ Head office: 1 Balloon Street, Manchester, M60 4EP . Head office: Sandford House, Sandford Road, Cheltenham, Glos, GL53 7SH Type of membership: Member, The Chorley & District Building Society Type of membership: Associate, IBM Global Business Services Type of membership: Member, Leek United Building Society As with warranty schemes, the professions which the lenders will accept certificates from will vary from lender to lender. 1 Choice for CML Approved Building Certificates. Melton Mowbray Building Society Executive discretion to accept the cover if appropriate, awaiting formal approval. 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 . 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