UK Finance has been created by combining most of the activities of the Asset Based Finance Association, the British Bankers Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Type of membership: Associate, PMI Mortgage Insurance Company Limited Type of membership: Member, Cumberland Building Society 5TH FLOOR, 1 ANGEL COURT, LONDON EC2R 7HJ, UK Finance mortgage lenders' handbook for conveyancers. Head office: 43 Church Street, Reigate, Surrey, RH2 0AE, DX 54107 REIGATE-2 . Type of membership: Member, Ocean Money (II) Limited Type of membership: Member, C L Mortgages Limited Head office: PO Box 520, Surrey Street, Norwich, NR1 3NG Head office: 1 Filey Street, Bradford, BD1 5AT We work with members to support the UK as a global leader in financial services. Head office: 57 Market Place, Beverley, East Yorkshire, HU17 8AA Head office: One Canada Square, London, E14 5AG Our structural warranties are widely recognised by UK Mortgage Lenders, as listed in the UK Finance/Council of Mortgage Lenders handbook. Type of membership: Member, Southern Pacific Mortgage Limited Head office: Cumberland House, Castle Street, Carlisle, Cumbria, CA3 8RX, DX 63025 CARLISLE Head office: Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey, RH2 7RU 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. Head office: Golden House, 30 Great Pulteney Street, London, W1F 9LT Type of membership: Associate, Experian Ltd 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. Head office: Eastern Gate, Brants Bridge, Bracknell, Berkshire, RG12 9BZ, DX 33624 BRACKNELL Type of membership: Member, Platform Head office: 42 St. Andrew Square, Edinburgh, EH2 2YE Head office: City House, City Road, Chester, CH88 3AN, DX 21645 CHESTER Type of membership: Associate, Legal Marketing Services Limited We engage with policymakers across the UK and EU. 2) Lower, LLC Brianne Nichole Kesner NMLS# 1373401. Head office: The Bailey, Skipton, North Yorkshire, BD23 1DN, DX 21757 SKIPTON Type of membership: Member, Amber Homeloans Ltd Type of membership: Associate, Registers of Scotland Head office: 4 Thorpe Way, Grove Park, Enderby, Leicester, LE19 1SU Type of membership: Member, Accord Mortgages The Handbook is voluntary for lenders and not all choose to use it. Simplicity is our core marketing principle. Underwritten by industry-leading rated insurers, Advantage is a CTSI code sponsor, having completed the rigorous CTSI Consumer Codes Approval Scheme process. New American Funding: Best for low APR. . Head office: St Crispins, Duke Street, Norwich, NR3 1PD, 5245 NORWICH Type of membership: Associate, Capstone Mortgage Services Limited Type of membership: Member, The Chorley & District Building Society Head office: Title House, 33-39 Elmfield Road, Bromley, Kent, BR1 1LT, DX 122200 BROMLEY 9 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. Registered in England No: 3642459 | Website by, https://lendershandbook.ukfinance.org.uk/lenders-handbook/, IPIDs (Insurance Product Information Documents). 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, West Bromwich Mortgage Company Limited Head office: Edgbaston House, 3 Duchess Place, Birmingham, B16 8NH Type of membership: Member, Furness Building Society Type of membership: Associate, MetLife Type of membership: Member, The One Account Ltd Head office: Southwark Towers, 32 London Bridge Street, London, SE1 9SY, DX 38800 LONDON BRIDGE SE1 Type of membership: Associate, Optima Legal Services Ltd Head office: 76 Upper Ground, London, SE1 9PZ If you Some Lenders will also accept a Professional Certificate in lieu of an approved structural warranty scheme. 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. Consumer protection: Let's build better! Type of membership: Member, CHL Mortgages UK Finance delivers an extensive programme of events and training courses covering the latest developments in finance and banking. Type of membership: Associate, Irish Permanent International 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, Ulster Bank Ltd 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. Head office: Meridien House, 69 71 Clarendon Road, Watford, Herts, WD17 1DS We've worked closely with our providers to offer a Structural Warranty policy that is designed to meet your needs. 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). Head office: Dundas House, 20 Brandon Street, Edinburgh, EH3 5PP Type of membership: Member, Topaz Finance PLC Guaranteed Rate: Best for variety of loan types. The Council of Mortgage Lenders (CML) is the UK association which speaks on behalf of the UK mortgage industry. Head office: Group Head Office, 11-16 Donegall Square East, Belfast, BT1 5UB Head office: Atlantic House, Holborn Viaduct, London, EC1A 2FG Type of membership: Member, Bank of Ireland Home Mortgages Ltd 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. Type of membership: Member, Swift 1st Type of membership: Member, Catalyst Securities Limited Type of membership: Member, National Counties Building Society Head office: 20 Ralli Courts, West Riverside, New Bailey Street, Salford, M3 5FT 5.00 67 Reviews (0 Recent |. Type of membership: Associate, Clayton Euro Risk Limited Head office: Kernow House, Newham, Truro, TR1 2XP Type of membership: Associate, London General Insurance Head office: 25 Cabot Square, Canary Wharf, London, E14 4QA Head office: 5-7 Abbey Court, Eagle Way, Sowton, Exeter, Devon, EX2 7HY, DX 135607 EXETER 16 Type of membership: Member, ABC International Bank plc 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. Head office: Eldon House, 2 Eldon Street, London, EC2M 7UA Please note that this list is frequently updated as One Guarantee are continuously being approved by new lenders. Accord Mortgages. Type of membership: Associate, Paymentshield Limited If they are not listed then you should contact them direct for instructions. Type of membership: Member, Mortgages plc Type of membership: Member, Standard Life Bank Ltd Head office: Saffron House, 1a Market Street, Saffron Walden, Essex, CB10 1HX, DX200301 SAFFRON WALDEN Head office: 105 Albion Street, Leeds, LS1 5AS Though warranties are a standard requirement when obtaining a mortgage over a new build property, they should not be relied upon. which Q can offer to satisfy the mortgage lending criteria. PenFed Credit Union: Best credit union for mortgages. Council of Mortgage Lenders approved; . Type of membership: Member, Manchester Building Society Enter to open, tab to navigate, enter to select MD Insurance Services Ltd. is the scheme administrator for LABC Warranty and is authorised and regulated by the Financial Conduct Authority. We engage with policymakers across the UK and EU. Type of membership: Member, The Mansfield Building Society Care Orders, Interim Care Orders and Care Proceedings. Head office: Castle Street, Macclesfield, Cheshire, SK11 6AF, DX 25001 MACCLESFIELD-2 Type of membership: Member, Bank of Cyprus UK Head office: Sovereign House, P O Box 8, 8 Sovereign Street, Leeds, LS1 1HQ, DX 12004 LEEDS Head office: Legal & General House, St Monicas Road, Kingswood, Tadworth, Surrey, KT20 6EU Protek Group Limited, continue we'll assume you are happy to receive them. Type of membership: Associate, Excel Insurance Solutions Head office: 101 Park Avenue, 48th Floor, NEW YORK, NY 10178 Head office: Citigroup Centre, Canada Square, London, E14 5LB 19. Type of membership: Member, Partnership Home Loans Limited You can also see which Lenders currently list Q as an Approved Scheme here: https://lendershandbook.ukfinance.org.uk/lenders-handbook/. Type of membership: Associate, Wragge & Co Premier Guarantee work with a panel of leading insurers to bring you the most comprehensive Structural Warranty cover in the market. Type of membership: Member, AIB Group (UK) plc Lenders can increase their housing portfolio while mitigating risk, improving profitability and liquidity management, and expanding their loan-making ability with a USDA loan guarantee. Type of membership: Member, Monmouthshire Building Society Head office: Permanent Building, Regent Street, Barnsley, South Yorkshire, S70 2EH . Head office: 1 Baird Road, Kirkton Campus, Livingston, EH54 7AZ Type of membership: Associate, Thomas Eggar LLP It is important to check that the warranty provider you are considering using is registered . Eddie Othman - Senior MD & Head of Residential Mortgage Warehouse Lending (212) 273-5878: Wells Fargo Bank, N.A. Head office: Keith House, Redheughs Rigg, South Gyle Crescent, Edinburgh, EH12 9DQ Head office: Millennium Bridge House, 2 Lambeth Hill, London, EC4V 4AJ The Council of Mortgage Lenders' Handbook. Giving you peace of mind. A warranty scheme acts as insurance covering named defects to the property. Head office: 1 Balloon Street, Manchester, M60 4EP Head office: 12 Eclipse Office Park, Staple Hill, Bristol, BS16 5EL Type of membership: Member, Just Retirement Don't see a particular Lender below? Head office: Woodland Place, Pinetrees Road, Norwich, Norfolk, NR7 9EJ The mortgage industry offers two main options for loan originators. 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. In the face of the ongoing cost-of-living squeeze and rising interest rates, we expect a softer market for house purchases. The CML has provided a list of which schemes are accepted by each lender. Head office: 250 St Vincent Street, Glasgow, G2 5SH Registered address: 1 Angel Court, London, EC2R 7HJ UK Finance Limited (trading as UK Finance) 2023. Head office: 81 Upper Bond Street, Hinckley, Leicestershire, LE10 1DG, DX 716435 HINCKLEY Head office: Key House, Foxhole Road, Chorley, Lancashire, PR7 1NZ, DX 18419 CHORLEY-1 Head office: Sir William Atkins House, Ashley Avenue, Epsom, Surrey, KT18 5AS, DX 30718 EPSOM Type of membership: Member, GMAC-RFC Ltd Type of membership: Member, Newcastle Building Society Head office: Ambassador House, Paradise Road, Richmond upon Thames, Surrey, TW9 1SQ Tax advisers and accountants are still phoning HMRC for a paper copy of . Our warranties can be provided in England, Scotland, Wales and Ireland. CML Certificates tend only to cover the property for a shorter term of around 6 years and there must be proven negligence on the part of the consultant in order to successfully claim compensation. 500: Atlanta: GA: 30328: Kip Buss (470) 307-3511: Western Alliance Bank: 2701 East Camelback Road, Suite 110: Customers benefit from building control and risk management expertise from a network of more than 3,500 surveyors. The Q Policy has been approved by the Homes & Communities Agency for the government's Help to Buy Scheme. 1.1: Same as Part 1 in the UK Finance Mortgage Lenders' Handbook for Conveyancers. Type of membership: Member, Stroud & Swindon Building Society Type of membership: Associate, Acadametrics Limited 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). The handbook was formerly produced by the Council of Mortgage Lenders (CML), and known as the CML Handbook or CML Lenders' Handbook. It is accepted by the Council of Mortgage Lenders and high-street lenders. Head office: 100 Liverpool Street, London, EC2M 2RH Head office: Mercantile House, Blackberry Lane, Lingfield, Surrey, RH7 6NG, Crocus Home Loans Limited We also support the home buying process through the UK Finance Handbook and our work with governments and representatives from the legal communities. This enables us to offer a new level of customer protection . Head office: Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ Accord Buy to Let; Accord Mortgages Limited; Adam & Company; Adam & Head office: Venture Court, Waterside Business Park, Valley Way, Swansea, SA6 8QP, DX 82804 SWANSEA 2 Head office: Wellington Mills, 70 Plover Road, Huddersfield, HD3 3HR Type of membership: Member, Cambridge Building Society Steve Wassell Insurance Management Limited FCA Reg. 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. However, most buildings are covered by this warranty as it is required by lenders. The value of new mortgage commitments (lending . 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 . Head office: St Catherines Court, Herbert Road, Solihull, West Midlands, B91 3QE, DX 14031 SOLIHULL Head office: Trinity Road, Halifax, West Yorkshire, HX1 2RG, DX 11896 HALIFAX The following lenders have confirmed acceptance of the Protek Warranty. Type of membership: Member, JPMorgan Chase Bank, N.A. Head office: 11 Cradock Street, Swansea, West Glamorgan, SA1 3EW, DX 39595 SWANSEA Type of membership: Member, Skipton Building Society 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. To qualify for condominium mortgage loans, please contact us at Gustan Cho Associates Mortgage Group at 800-900-8569 or text us for a faster response. Type of membership: Member, Rooftop Mortgages Head office: Waverley House, 7-12 Noel Street, London, W1F 8GQ Type of membership: Member, Catholic Building Society Protek Group Limited FCA Reg. Head office: Britannia House, Cheadle Road, Leek, Staffordshire, ST13 5RG, DX 16351 LEEK Head office: PO Box 236, Wilmslow, SK9 1WT No. Type of membership: Associate, Retirement Plus Limited PNC: Best for traditional . 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: 156 Milligan Street, London, E14 8AS Criteria Brain members can access the answers to this criteria and many more. Head office: Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL, DX 61010 NEWCASTLE UPON TYNE For borrower-paid monthly private mortgage insurance, annual premiums from MGIC, one of the country's largest mortgage insurance providers, range from 0.17% to 1.86% of the loan amount, or $170 . Head office: 1 Redcliff Street, Bristol, BS1 6TP, DX 7815 BRISTOL Advantage is one of the UK's leading specialists in structural warranties, with over 85 years of experience in this field. Head office: Roxburghe House, 273-287 Regent Street, London, W1A 4SQ, DX 53803 OXFORD CIRCUS NORTH Updated: Feb 23, 2023, 3:50am. Type of membership: Associate, UBS Limited mortgage approval rates fell by 87%. Our structural warranty providers have over 20 years in the insurance industry and their goal . Type of membership: Member, Chesham Building Society Type of membership: Member, Intelligent Finance 4 . The Council of Mortgage Lenders (CML) has introduced changes which will affect new homes where contracts are exchanged after 1 April 2003. The Professional Consultants Certificate (PCC) was first introduced by the Council of Mortgage Lenders (now UK Finance) in 2000 for use by professional consultants in the construction . This warranty must be transferable upon sale of the property to the new owners. It. Type of membership: Member, Lloyds TSB Scotland plc 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. Registered in England No: 3642459 | Website by Fuelius. Head office: 4 Queens Square, Belfast, BT1 3DJ Head office: 2nd floor, Tower Bridge House, St Katharines Way, London, E1W 1DD Type of membership: Member, Stafford Railway Building Society Best for flexible down payment options: Chase Bank. Do you know where to find the best deals? Type of membership: Associate, Fuel Investments Ltd Head office: 2nd Floor, 20 St Mary at Hill, London, EC3R 8EE, DX 104 LONDON CHANCERY LANE Type of membership: Member, Heritable Bank Ltd It helps people to get pre-qualified and pre-approved by lenders so they can purchase a residential property. Type of membership: Member, Tipton & Coseley Building Society Lenders. Head office: 3rd Floor, 5-10 Bury Street, London, EC3A 5AT Type of membership: Member, Barnsley Building Society Company number 10250295. Head office: 3 Goldcroft, Yeovil, Somerset, BA21 4DQ, DX 100503 YEOVIL Type of membership: Member, Cheval Property Finance Plc Rachel Witkowski. Head office: 7 St. James Square, Manchester, M2 6XX Type of membership: Associate, LSL Property Services plc You can check which warranty providers are approved by lenders on the UK Finance website. Without an approved warranty in place, mortgage lenders may not release funds . Head office: Southport Business Park, Wight Moss Way, Southport, PR8 4HQ, DX 728540 SOUTHPORT 8 Head office: Sackville House, 143-149 Fenchurch Street, London, EC3M 6BN Head office: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ Head office: 120 London Wall, London, EC2Y 5ET Kent, 5.00 66 Reviews (0 Recent |. There are lots of different warranty schemes in existence and each mortgage lender will have their own standards of which schemes are acceptable. Warehouse lending ( 212 ) 273-5878: Wells Fargo Bank, N.A Mortgage lending.! Q Policy has been approved by the Homes & Communities Agency for the government 's Help to Buy.... 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