Approved Mortgage Lenders. Type of membership: Associate, Morton Fraser LLP Our Council of Mortgage Lenders recognised Professional Consultants Certificates serve a similar purpose to Architects Certificates but have a number of distinct advantages. Type of membership: Associate, London & European 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, Checkmate Mortgages Limited Type of membership: Member, Catalyst Securities Limited Type of membership: Member, Ocean Money (II) Limited We engage with policymakers across the UK and EU. . Head office: Endeavour House, 1 Lyonsdown Road, New Barnet, Hertfordshire, EN5 1HU, DX 47708 NEW BARNET Head office: High Street, Chalfont St Giles, Buckinghamshire, HP8 4QB, DX 31951 CHALFONT ST PETER (Reviewed by members in November 2022 and no amendments were required to me made to the version dated 2021). Head office: Level 25, 1 Churchill Place, Canary Wharf, London, E14 5HP Head office: 8 Newton Terrace, Glasgow, G3 7PJ, DXGW40 GLASGOW Head office: Regent House, Regent Street, Mansfield, Nottinghamshire, NG18 1SS, DX 10400 MANSFIELD 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). 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. Head office: Po Box 183, Donegall Square West, Belfast, BT1 6JS Better: Best for refinancing. Type of membership: Member, National Westminster Home Loans Type of membership: Associate, Irish Permanent International Protek Group Limited FCA Reg. Rent-a-roof schemes saw companies offer free solar panels in exchange for being able to sell the excess electricity produced. Head office: 36 Sutton Court Road, Sutton, Surrey, SM1 4TE Some smaller building companies, however, may not be able to afford this in which case, a CML Certificate will usually suffice. Our structural warranty covers including New Building, Self Builds, Barns, Industrial Conversions & Retrospectively. Head office: 42 St. Andrew Square, Edinburgh, EH2 2YE 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. Type of membership: Member, Topaz Finance PLC Head office: 25 Cabot Square, Canary Wharf, London, E14 4QA Office of Housing. Head office: Warwick House, 737 Warwick Road, Solihull, B91 3DG, DX 14038 SOLIHULL 2 Type of membership: Member, Ahli United Bank (UK) plc 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: Roxburghe House, 273-287 Regent Street, London, W1A 4SQ, DX 53803 OXFORD CIRCUS NORTH Head office: Castle Street, Macclesfield, Cheshire, SK11 6AF, DX 25001 MACCLESFIELD-2 Head office: 1 Callaghan Square, Cardiff, CF10 5BT 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). Building better together. Paragon Bank PLC/ Paragon Mortgages(2010) Ltd, Precise Mortgages (Charter Court Financial Services Ltd), Scottish Widows plc see Lloyds Banking Group. Type of membership: Associate, Barnetts Solicitors Type of membership: Member, Mortgage Express Ltd Type of membership: Member, Mortgages plc Head office: PO Box 12757, 67 Morrison Street, Edinburgh, EH3 8YJ Type of membership: Member, Hanley Economic Building Society Head office: 1 Providence Place, Skipton, North Yorkshire, BD23 2HL, DX 21761 SKIPTON Type of membership: Member, Stafford Railway Building Society Head office: The Lakes, Northampton, NN4 7SH, DX 712280 NORTHAMPTON 12 Type of membership: Member, Ulster Bank Ltd Type of membership: Member, Homeloan Management Ltd Head office: 50 St Edward Street, Leek, Staffordshire, ST13 5DH, DX 16354 LEEK Kent, Type of membership: Associate, Clayton Euro Risk Limited Head office: St Catherines Court, Herbert Road, Solihull, West Midlands, B91 3QE, DX 14031 SOLIHULL The warranty is provided either by a warranty scheme or a Council of Mortgage Lenders (CML) Professional Consultants Certificate. 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: Prospect House, PO Box 6, Scarborough, North Yorkshire, YO12 6EQ, DX 61820 SCARBOROUGH Registered address: 1 Angel Court, London, EC2R 7HJ Type of membership: Member, Vernon Building Society 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. As such, they can help you ensure that your project is being built to the highest standard and you can rely on them to provide helpful, objective inspections of your development. Type of membership: Member, Halifax plc Head office: Radcliffe House, Blenheim Court, Warwick Road, Solihull, West Midlands, B91 2AA Care Orders, Interim Care Orders and Care Proceedings. Type of membership: Member, Heritable Bank Ltd Type of membership: Member, Dudley Building Society LABC Warranty is a trading name of MD Insurance Services Limited. Steve Wassell Insurance Management Limited FCA Reg. 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). Clarification of existing guidance and rules is useful given that expectations on forbearance and impairment is contained in various thematic reviews, ad-hoc guidance, and market studies published over many years by the FCA and its predecessor, the Financial Services Authority (FSA). Head office: Oakfield House, PO Box 600, Binley Business Park, Coventry, CV3 9YR Type of membership: Member, Catholic Building Society Type of membership: Member, Distinct Mortgages Ltd 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. 1 Choice for CML Approved Building Certificates. Type of membership: Associate, TLT Solicitors All rights reserved. Head office: 1 Park Lane, Leeds, LS3 1EP Accord Buy to Let. The Q Policy from Q Assure Build Ltd is a structural warranty which puts quality build and customer service first. Head office: 3rd Floor, Austin House, St Crispins Road, Norwich, NR3 1PX 2) Lower, LLC Brianne Nichole Kesner NMLS# 1373401. Type of membership: Member, West Bromwich Building Society Type of membership: Member, CHL Mortgages Direct lenders (banks and mortgage companies): Financial institutions that originate, process, and fund the loans themselves. 1100 Abernathy Road Bldg. Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Type of membership: Member, The Mortgage Works However, most buildings are covered by this warranty as it is required by lenders. No. Head office: Trinity Road, Halifax, West Yorkshire, HX1 2RG, DX 11896 HALIFAX Type of membership: Associate, Calnea Analytics Ltd Type of membership: Member, Capital Bank Mortgages Ltd Type of membership: Member, Wave Type of membership: Member, The One Account Ltd 1.2: Same as Part 1 in the UK Finance Mortgage Lenders' Handbook for Conveyancers - save that references to . It. Editorial . Head office: Arundel House, 1 Liverpool Gardens, Worthing, BN11 1SL Head office: Granville House, Festival Park, Hanley, Stoke-on-Trent, Staffordshire, ST1 5TB, DX 701700 HANLEY-2 PNC Bank: Best for . This can be accessed on-line viahttps://lendershandbook.ukfinance.org.uk/lenders-handbook/. 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: 4 Market Square, Stafford, ST16 2JH, DX 701367 STAFFORD-3 This warranty must be transferable upon sale of the property to the new owners. Head office: John Frost Square, Newport, South Wales, NP20 1PX, DX 33240 NEWPORT (GWENT) Type of membership: Associate, TietoEnator Head office: 117-119 Whitby Road, Slough, SL1 3DR No. 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 . But this meant homeowners signing a lease (typically for 25 years) at the time that can complicate mortgage applications today. Council of Mortgage Lenders approved; . Type of membership: Associate, Shoosmiths Solicitors Head office: Vertex House, Greencourts Business Park, 333 Styal Road, Manchester, M22 5TX 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. Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Head office: LMS House, Lloyd Drive, Cheshire Oaks Business Park, Cheshire, CH65 9HQ, DX728580 ELSMERE PORT 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, ABC International Bank plc If you have any queries about the Handbook please view theFAQs section. Type of membership: Member, Cumberland Building Society Type of membership: Member, Affirmative Finance Limited Type of membership: Member, Newbury Building Society Further confirmation of Lender approval of LABC Warranty for is available under section 6.7 of the CML Lender's Handbook. Type of membership: Associate, Shepherd Direct Head office: 3 Goldcroft, Yeovil, Somerset, BA21 4DQ, DX 100503 YEOVIL This broadly the industry standard for warranty schemes. BOPAS is an independent Third Party Accreditation of MMC Providers and their associated construction systems, providing assurance to Lenders, Developers and Homeowners as to the integrity and durability of properties accredited under the scheme. Type of membership: Associate, Paymentshield Limited Head office: Kingfisher House, Market Square, Crewkerne, Somerset, TA18 7LH Type of membership: Member, Direct Line Financial Services Ltd Type of membership: Associate, Jeffrey Green Russell You can check which warranty providers are approved by lenders on the UK Finance website. Registered in England No: 3642459 | Website by Fuelius. Accord Buy to Let; Accord Mortgages Limited; Adam & Company; Adam & Type of membership: Member, Newcastle Building Society Authorized advisors are able to research mortgage lenders criteria in granular detail across many lenders. A structural defect warranty is expected on a property of 10 years or less (a few lenders might expect 12). the assessment of individual mortgage lenders of whether a warranty scheme is acceptable to them. An example requirements letter to the borrower's conveyancer has also been developed for use in these circumstances. Type of membership: Member, Stonehaven UK Ltd Best for flexible down payment options: Chase Bank. Type of membership: Member, The Mansfield Building Society Head office: St Jamess House, St Jamess Square, Cheltenham, GL50 3PR, DX 141660 CHELTENHAM 11 Type of membership: Member, Chelsea Building Society 231905. 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). 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