UK Finance represents nearly 300 of the leading firms providing finance, banking, markets and payments-related services in or from the UK. Get in touch to discuss BOPAS accreditation. Guarantees are available for mortgage loans, apartment construction or repair financing, and transitional housing loans in eligible rural areas. If you have any queries relating to lender approval, please call us on0800 183 1755. 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: 117-119 Whitby Road, Slough, SL1 3DR Goto the Blog. Confirmation from the 'scheme provider' that the . Council of Mortgage Lenders approved; . Head office: 11 Cradock Street, Swansea, West Glamorgan, SA1 3EW, DX 39595 SWANSEA Type of membership: Member, Mortgage Trust plc Type of membership: Associate, IBM Global Business Services Head office: The Bailey, Skipton, North Yorkshire, BD23 1DN Type of membership: Member, C L Mortgages Limited Best for flexible down payment options: Chase Bank. Head office: Ambassador House, Paradise Road, Richmond upon Thames, Surrey, TW9 1SQ Type of membership: Member, Monmouthshire Building Society Head office: Golden House, 30 Great Pulteney Street, London, W1F 9LT The Council of Mortgage Lenders has a handbook in which all the indemnity insurance requirements are clearly outlined, stating what they should accept and what needs further action from the lender. Head office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AD Apply online for a quote. Head office: 40 Wakefield Road, Leeds, LS98 1FD Type of membership: Associate, Jeffrey Green Russell Type of membership: Member, Southern Pacific Mortgage Limited 4 . We are a credit broker and not a lender and offer credit facilities from a panel of lenders. Type of membership: Member, First Trust Bank Type of membership: Associate, Rightmove Data Head office: First Floor, 6 Broadgate, London, EC2M 2QS Type of membership: Associate, Optima Legal Services Ltd Head office: 120 London Wall, London, EC2Y 5ET Type of membership: Member, The One Account Ltd Head office: Market House, Market Square, Stony Stratford, Milton Keynes, MK11 1BE, DX 56907 STONY STRATFORD Head office: Vertex House, Greencourts Business Park, 333 Styal Road, Manchester, M22 5TX Type of membership: Member, HBOS plc Head office: Talbot House, Talbot Street, Nottingham, NG80 1TH Type of membership: Member, Northern Rock plc No. 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. Type of membership: Associate, Checkmate Mortgages Limited Type of membership: Member, Manchester Building Society Type of membership: Member, AIB Group (UK) plc There are lots of different warranty schemes in existence and each mortgage lender will have their own standards of which schemes are acceptable. The past couple of Decembers have brought with them worries of lockdowns, sickness and missing out of seeing loved ones. LABC Warranty has been developed in conjunction with the Local Authority Building Control and designed to provide developers and individuals working with their Local Authority a credible Latent Defect/Structural Warranty product, which caters for their needs. 19. Type of membership: Associate, Eversheds LLP Head office: Southport Business Park, Wight Moss Way, Southport, PR8 4HQ, DX 728540 SOUTHPORT 8 Type of membership: Member, Airdrie Savings Bank Head office: 57 Market Place, Beverley, East Yorkshire, HU17 8AA Type of membership: Associate, Thomas Eggar LLP This enables us to offer a new level of customer protection . (Reviewed by members in November 2022 and no amendments were required to me made to the version dated 2021). Head office: Frizzell House, County Gates, Bournemouth, BH1 2NF 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 . This site makes use of cookies. 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: Yorkshire House, Yorkshire Drive, Bradford, West Yorkshire, BD5 8LJ, DX 11798 BRADFORD 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. 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). Type of membership: Member, The Mansfield Building Society LABC Warranty has a long list of mortgage lenders who have confirmed that the LABC Warranty New Home Warranty is acceptable to them. 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. Type of membership: Associate, Rosling King Solicitors Head office: 4 Thorpe Way, Grove Park, Enderby, Leicester, LE19 1SU Key benefits of a . Head office: 30 Church Street, Epsom, Surrey, KT17 4NL, DX 30729 EPSOM The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is dedicated to increasing the availability of and accessibility to safe, decent and affordable housing to families in New Jersey. Lenders. Head office: St Catherines Court, Herbert Road, Solihull, West Midlands, B91 3QE, DX 14031 SOLIHULL Type of membership: Member, Accord Mortgages editor. Type of membership: Associate, Phoebus Software Limited 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: 1 Baird Road, Kirkton Campus, Livingston, EH54 7AZ Type of membership: Member, Nottingham Building Society Head office: 55 Colmore Road, Birmingham, B3 2AS, DX 13036 BIRMINGHAM 1 A member of our team will phone at a time convenient for you. Type of membership: Member, Halifax plc Head office: Ten Trinity Square, London, EC3P 3AX Head office: Keaton House, Widewater Place, Moorhall Road, Harefield, Mddx, UB9 6NS Type of membership: Member, Clydesdale Bank plc Type of membership: Member, Direct Line Financial Services Ltd Head office: Accounts department, Gainsborough House, Houghton Hall Park, Houghton Regis, LU5 5XF It. Type of membership: Associate, Paymentshield Limited First-time borrowers need a 640 minimum credit score. The handbook was formerly produced by the Council of Mortgage Lenders (CML), and known as the CML Handbook or CML Lenders' Handbook. The value of gross mortgage advances in 2022 Q3 was 85.9 billion, which was 8.0 billion greater than the previous quarter, and 17.0% higher than in 2021 Q3. Head office: 43 Church Street, Reigate, Surrey, RH2 0AE, DX 54107 REIGATE-2 Type of membership: Member, Darlington Building Society Head office: 12 Eclipse Office Park, Staple Hill, Bristol, BS16 5EL Head office: 1 Callaghan Square, Cardiff, CF10 5BT Some lenders will simply not accept applications for homes with leased panels. Some Lenders will also accept a Professional Certificate in lieu of an approved structural warranty scheme. Head office: 1 Filey Street, Bradford, BD1 5AT Head office: Peterborough Business Park , Lynch Wood, Peterborough, PE2 6WZ, DX 29181 LYNCHWOOD As the UK's second largest mortgage provider, the building society offers a wide number of products, mainly with fixed rates. Type of membership: Member, Teachers Building Society Type of membership: Associate, Redstone Mortgages plc This week we published our housing and market forecasts for 2023 and 2024. Type of membership: Member, Affirmative Finance Limited Head office: PO Box 81, Pendeford Business Park, Wobaston Road, Wolverhampton, WV9 5HZ, DX 10401 WOLVERHAMPTON Head office: 3 Goldcroft, Yeovil, Somerset, BA21 4DQ, DX 100503 YEOVIL In November 2015 it was confirmed that the Council of Mortgage Lenders would be merged with the British Bankers . Head office: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ The Council of Mortgage Lenders' Handbook. Head office: 9 Spring Street, London, W2 3RA Approved Warehouse Line Providers . 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: Merchant House, 30 Cloth Market, Newcastle Upon Tyne, NE1 1EE It helps people to get pre-qualified and pre-approved by lenders so they can purchase a residential property. Type of membership: Member, Chesham Building Society Head office: 7 Belton Road, Silsden, Keighley, West Yorkshire, BD20 0EE Head office: 56 Stirling Street, Airdrie, ML6 0AW Head office: 36 Sutton Court Road, Sutton, Surrey, SM1 4TE Type of membership: Associate, Matthew Arnold & Baldwin Type of membership: Member, Kensington Mortgages We provide comprehensive lender data and statistics to help policymakers understand key trends and the impact of legal and regulatory change. Type of membership: Member, Coventry Building Society 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 . Type of membership: Member, Buckinghamshire Building Society This is intended to protect your investment, and the mortgage lenders security, in the event that the builders have become insolvent or ceased to exist. Our structural warranty providers have over 20 years in the insurance industry and their goal . Head office: Corporate Headquarters, Watling Street, Bexleyheath, Kent, DA6 7RR, DX 90000 BEXLEYHEATH-2 LABC Warranty is a trading name of MD Insurance Services Limited. A Structural Warranty is an insurance policy designed to protect funders a nd homeowners from latent structural defects that may occur following the practical completion of a build. Type of membership: Member, Swift 1st Head office: 4 Market Square, Stafford, ST16 2JH, DX 701367 STAFFORD-3 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, Nationwide Building Society The CML has provided a list of which schemes are accepted by each lender here. Care Orders, Interim Care Orders and Care Proceedings. Program Offices. Type of membership: Member, ABC International Bank plc Type of membership: Member, Partnership Home Loans Limited Head office: 21 Station Road, Watford, Hertfordshire, WD17 1HT Head office: 6 Lochside Avenue, Edinburgh Park, Edinburgh, EH12 9DJ Type of membership: Member, Godiva Mortgages Limited Head office: Arcadia House, The Warley Hill Business Park, The Drive, Brentwood, Essex, CM13 3BE Type of membership: Member, New Life Mortgages Ltd Head office: St Crispins, Duke Street, Norwich, NR3 1PD, 5245 NORWICH Head office: Bakers Court, Bakers Road, Uxbridge, Middlesex, UB8 1RG Type of membership: Associate, John Collins & Partners LLP footnote. Let's build better! Head office: Warwick House, 737 Warwick Road, Solihull, B91 3DG, DX 14038 SOLIHULL 2 Head office: Level 25, 1 Churchill Place, Canary Wharf, London, E14 5HP Protek warranty has wide lender approval from banks and building societies in the UK. Head office: Bankcentre Britain, Belmont Road, Uxbridge, Middlesex, UB8 1SA, DX 45104 UXBRIDGE 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). Head office: Lahnstein House, Gold Street, Kettering, Northants, NN16 8AP Type of membership: Member, Derbyshire Home Loans Ltd . Type of membership: Member, Cheltenham & Gloucester plc Scam Warning: 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. Type of membership: Associate, Crown Mortgage Management UK Mortgage Lender Approval. Head office: Woodland Place, Pinetrees Road, Norwich, Norfolk, NR7 9EJ Head office: City House, City Road, Chester, CH88 3AN, DX 21645 CHESTER Register your interest for our Later Life Lenders programme to help address issues relating to adviser knowledge and their ability to communicate options. Our members undertake an estimated 97 per cent of the UK's residential mortgage lending. Type of membership: Member, Marsden Building Society Type of membership: Associate, LSL Property Services plc This warranty must be transferable upon sale of the property to the new owners. If they are not listed then you should contact them direct for instructions. Type of membership: Associate, Cheyne Capital Management (UK) LLP Type of membership: Member, West Bromwich Building Society Always lovely to receive a note of #thanks from a valued customer. https://t.co/NTfJlsZC4u, Structural warranty news and events from Protek Warranty https://t.co/0iEROmWSt5, RT @MiddletonSimon: Team Protek successfully finished the Hever Commando Series event which raises money for The Royal Marines charity. Head office: 20 Canada Square, Canary Wharf, London, E14 5LH Type of membership: Member, Distinct Mortgages Ltd Type of membership: Member, Norwich Union Equity Release Type of membership: Member, Stafford Railway Building Society Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 Enter to open, tab to navigate, enter to select LABC Warranty has been developed in conjunction with the Local Authority Building Control and designed to provide developers and individuals working with their Local Authority a . The mortgage industry offers two main options for loan originators. Head office: Group Head Office, 11-16 Donegall Square East, Belfast, BT1 5UB Find out more; What We Do. We work with members to support the UK as a global leader in financial services. No: 727 7528. Head office: 2/3 Hind Court, Fleet Street, London, EC4A 3DL, DX154 LONDON Best for flexible loan options: PNC Bank . Head office: Rowcroft, Stroud, Gloucestershire, GL5 3BG, DX 122260 STROUD-3 Direct lenders (banks and mortgage companies): Financial institutions that originate, process, and fund the loans themselves. 4.99 67 Reviews (0 Recent |. Type of membership: Member, Ahli United Bank (UK) plc Type of membership: Member, The Chorley & District Building Society We engage with policymakers across the UK and EU. Type of membership: Member, Earl Shilton Building Society We would like to show you a description here but the site won't allow us. New build warranties can affect your mortgage application. action fraud. Head office: 6th Floor, The Chambers, Chelsea Harbour, London, SW10 0XF Type of membership: Member, ING Direct N.V. Or email us at gcho@gustancho.com. 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. Head office: 125 London Wall, London, EC2Y 5AJ Type of membership: Member, Leek United Building Society Head office: Sackville House, 143-149 Fenchurch Street, London, EC3M 6BN Head office: 105 Albion Street, Leeds, LS1 5AS Type of membership: Member, Alliance & Leicester plc Best Mortgage Lenders Of February 2023. Head office: Progressive House, 33-37 Wellington Place, Belfast, BT1 6HH, DX 4230 NR BELFAST 26 UK Finance Limited trading as UK Finance. 7 Best Home Warranty Companies [2023] 7 Best Home Security Systems [2023] More Reviews; . 1100 Abernathy Road Bldg. Head office: 70 Owen Street, Tipton, West Midlands, DY4 8HG, DX 700152 TIPTON Head office +44 (0) 289 0992 303 Alanbrooke House Castlereagh Business Park 478 Castlereagh Road Belfast, BT5 6BQ Type of membership: Associate, Fitch Ratings Ltd Head office: 3rd Floor, 5-10 Bury Street, London, EC3A 5AT This can be accessed on-line viahttps://lendershandbook.ukfinance.org.uk/lenders-handbook/. The team at Gustan Cho Associates is available 7 days a week, evenings, weekends, and holidays. 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. 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. Accepted by each lender here 20 years in the insurance industry and their.! In financial services the UK as a global leader in financial services Home Systems!, EC3M 3AD Apply online for a quote: Group head office: Plantation Place 30! Lockdowns, sickness and missing out of seeing loved ones a Professional in... 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