council of mortgage lenders approved warranty providers

Type of membership: Associate, Unisys Ltd Type of membership: Associate, Assurant Solutions UK Finance: 5th Floor, 1 Angel Court, London EC2R 7HJ. Type of membership: Associate, AIG UK Limited Company number 10250295. Part 3 should be read in conjunction with parts 1 and 2. The Handbook is voluntary for lenders and not all choose to use it. Type of membership: Member, Chesham Building Society Head office: 1 More London Place, London, SE1 2AF 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). 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). You can check which warranty providers are approved by lenders on the UK Finance website. Type of membership: Associate, Stewart Title Ltd Head office: 1 Baird Road, Kirkton Campus, Livingston, EH54 7AZ But this meant homeowners signing a lease (typically for 25 years) at the time that can complicate mortgage applications today. Type of membership: Member, ABC International Bank plc Our independent professional monitoring team work for you and have no conflict of interest in your project. Type of membership: Member, Tiuta PLC Type of membership: Associate, John Collins & Partners LLP The team at Gustan Cho Associates is available 7 days a week, evenings, weekends, and holidays. Type of membership: Member, Norwich Union Equity Release Type of membership: Associate, Acadametrics Limited 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. Type of membership: Member, Credit & Mercantile plc If you think you may have been a victim of a scam please contact your bank immediately and report it to action . Head office: Talbot House, Talbot Street, Nottingham, NG80 1TH Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 Type of membership: Member, Church House Trust Plc Type of membership: Associate, Countrywide plc Head office: Wellington Mills, 70 Plover Road, Huddersfield, HD3 3HR Type of membership: Member, Tipton & Coseley Building Society 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. Accord Mortgages. Head office: Market House, Market Square, Stony Stratford, Milton Keynes, MK11 1BE, DX 56907 STONY STRATFORD Head office: 7 Belton Road, Silsden, Keighley, West Yorkshire, BD20 0EE Our warranties are recognised by the vast majority of mortgage lenders and can be used to raise a mortgage. Type of membership: Member, Furness Building Society footnote. The Structural Warranty market is fast-moving and complex. If you think you may have been a victim of a scam please contact your bank immediately and report it to Use the search below to select a region and/or a lender's part 2 response. Head office: Bracken House, Charles Street, Manchester, M1 7BD 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. Our structural warranty providers have over 20 years in the insurance industry and their goal . Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Type of membership: Member, Loughborough Building Society Head office: Exchange Tower, 2 Harbour Exchange Square, London, E14 9FR, DX 135857 ISLE OF DOGS 2 Type of membership: Associate, Retirement Plus Limited Head office: St Crispins, Duke Street, Norwich, NR3 1PD, 5245 NORWICH Best for flexible down payment options: Chase Bank. Goto the Blog. Type of membership: Member, Harpenden Building Society Type of membership: Associate, Tiger Global Management, LLC With a 10 year policy, you want a partner you can trust. Head office: 3rd Floor, 5-10 Bury Street, London, EC3A 5AT Find out more; What We Do. Head office: Group Head Office, 11-16 Donegall Square East, Belfast, BT1 5UB Head office: 43 Church Street, Reigate, Surrey, RH2 0AE, DX 54107 REIGATE-2 Our members undertake an estimated 97 per cent of the UK's residential mortgage lending. If they are not listed then you should contact them direct for instructions. A mortgage lender sponsors an educational lunch for real estate agents where employees of the lender are invited to speak. Head office: Meridien House, 69 71 Clarendon Road, Watford, Herts, WD17 1DS Head office: Corporate Headquarters, Watling Street, Bexleyheath, Kent, DA6 7RR, DX 90000 BEXLEYHEATH-2 PenFed Credit Union: Best credit union for mortgages. We are a credit broker and not a lender and offer credit facilities from a panel of lenders. Head office: No 1 Whitehall Riverside, Leeds, LS1 4BN, DX 14085 Leeds 1 Head office: 76 Upper Ground, London, SE1 9PZ Head office: 100 Liverpool Street, London, EC2M 2RH 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 best mortgage lenders. Office of Housing. Type of membership: Associate, Hamlins LLP Head office: Castle Street, Macclesfield, Cheshire, SK11 6AF, DX 25001 MACCLESFIELD-2 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. Type of membership: Member, Derbyshire Building Society Head office: 7 St. James Square, Manchester, M2 6XX Type of membership: Associate, Crown Mortgage Management Head office: 410 Thames Valley Park Drive, Reading, Berks, RG6 1RH, DX 84150 CAVERSHAM Type of membership: Associate, My Home Move Ltd Steve Wassell Insurance Management Limited FCA Reg. Head office: Rowcroft, Stroud, Gloucestershire, GL5 3BG, DX 122260 STROUD-3 In some cases this may mean working with .. Contact Us Head office: Northern Rock House, Gosforth, Newcastle upon Tyne, NE3 4PL, DX 60350 GOSFORTH Type of membership: Associate, Hometrack Data Systems Ltd Head office: Welland House, The Square, Market Harborough, Leicestershire, LE16 7PD, DX 27312 MARKET HARBOROUGH This site makes use of cookies. Type of membership: Associate, Salans Head office: John Frost Square, Newport, South Wales, NP20 1PX, DX 33240 NEWPORT (GWENT) Head office: 35 Portman Square, London, W1H 6LR The following lenders have confirmed acceptance of the Protek Warranty. Head office: Westgate Chambers, 3 High Street, Chipping Sodbury, Gloucestershire, BS37 6BA, DX 56804 CHIPPING SODBURY Type of membership: Member, Catalyst Securities Limited Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 Head office: Legal & General House, St Monicas Road, Kingswood, Tadworth, Surrey, KT20 6EU Head office: 117-119 Whitby Road, Slough, SL1 3DR Kent, Type of membership: Member, Stafford Railway Building Society warranty providers. This causes a variety of unwelcome issues. Type of membership: Member, Cheval Property Finance Plc Where the cost of a warranty scheme is too great for the builder, as can be the case with smaller building firms, a lender may accept a CML Professional Consultants Certificate. Head office: Ten Trinity Square, London, EC3P 3AX 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. Head office: Jarman House, Mathisen Way, Poyle Road, Colnbrook, Berkshire, SL3 0HF We offer new build and retrospective warranties. There may be defects that won't be reported for mortgage lending purposes, but which could be important to your client as the buyer. Head office: 42 St Andrew Square, Edinburgh, EH2 2YE Head office: 402 Lana House, 118 Commercial Street, London, E1 6NF We are listed in the UK Finance (Old CML) Handbook and the Building Societies Association Mortgage Instructions, which describe each lenders specific requirements. The CML Handbook provides a list of the professionals who may be acceptable to lenders: Your lenders might not necessarily accept all of these, therefore you must always check with them to find out what Professional Consultants Certificates they deem acceptable. This week we published our housing and market forecasts for 2023 and 2024. Type of membership: Associate, Lovells LLP Head office: 11 Cradock Street, Swansea, West Glamorgan, SA1 3EW, DX 39595 SWANSEA Head office: 15 Queen Square, Bath, BA1 2HN Type of membership: Member, First Trust Bank The mortgage industry offers two main options for loan originators. Type of membership: Member, National Counties Building Society Better: Best for refinancing. In November 2015 it was confirmed that the Council of Mortgage Lenders would be merged with the British Bankers . Head office: 180 Brompton Road, London, SW3 1HQ Head office: 14-16 Station Road, Harpenden, Hertfordshire, AL5 4SE, DX 80470 HARPENDEN Type of membership: Associate, Hay & Kilner Type of membership: Member, Heritable Bank Ltd It is important to check that the warranty provider you are considering using is registered . Head office: Leicester Road, Melton Mowbray, LE13 0DG Type of membership: Associate, Willis Limited Head office: Progressive House, 33-37 Wellington Place, Belfast, BT1 6HH, DX 4230 NR BELFAST 26 Head office: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ 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. Cover normally lasts for a period of 10 years after completion, and often it is required before mortgage lenders will . Head office: 20 Canada Square, Canary Wharf, London, E14 5LH Guaranteed Rate: Best for variety of loan types. Type of membership: Member, Just Retirement Head office: 13 Cleveland Row, London, SW1A 1DH Type of membership: Member, Dudley Building Society (formerly the Council of Mortgage Lenders) and are based on gross lending amounts. Head office: 50 St Edward Street, Leek, Staffordshire, ST13 5DH, DX 16354 LEEK Head office: 24 Friar Lane, Nottingham, NG1 6DU Type of membership: Associate, List of electronic cigarette companies UK, Places to buy Childrens bedding and curtains, List of England Fixtures 2010 World Cup Qualifiers, List Of Mortgage Providers In The UK CML Members. Head office: 12 Market Square, Chesham, Buckinghamshire, HP5 1ER, DX 50314 CHESHAM-1 805468. Head office: High Street, Chalfont St Giles, Buckinghamshire, HP8 4QB, DX 31951 CHALFONT ST PETER The Council of Mortgage Lenders (CML) is the UK association which speaks on behalf of the UK mortgage industry. Campions Solicitors Fixed Fees for Legal Work. Editorial . Head office: Edgbaston House, 3 Duchess Place, Birmingham, B16 8NH Head office: 20 Ralli Courts, West Riverside, New Bailey Street, Salford, M3 5FT Type of membership: Associate, Jeffrey Green Russell Head office: Thirlestaine Hall, Thirlestaine Road, Cheltenham, Gloucestershire, GL53 7AL, DX 32850 CHELTENHAM-2 Our structural warranty covers including New Building, Self Builds, Barns, Industrial Conversions & Retrospectively. (Reviewed by members in November 2022 and no amendments were required to me made to the version dated 2021). If you have any queries about the Handbook please view theFAQs section. Type of membership: Member, Ahli United Bank (UK) plc No. Type of membership: Associate, UKValuation Ltd Head office: Kernow House, Newham, Truro, TR1 2XP AmeriSave: Best for overall affordability. Type of membership: Member, Buckinghamshire Building Society Please click here to download the "Interest Only Toolkit". Head office: 3 Goldcroft, Yeovil, Somerset, BA21 4DQ, DX 100503 YEOVIL Type of membership: Associate, Mortgage Brain Ltd Type of membership: Member, Market Harborough Building Society Head office: Title House, 33-39 Elmfield Road, Bromley, Kent, BR1 1LT, DX 122200 BROMLEY 9 As a general rule, warranty schemes are preferable as there is no need to prove fault on the part of the warranty provider, as is the case with a CML Certificate. The Council of Mortgage Lenders (CML) has introduced changes which will affect new homes where contracts are exchanged after 1 April 2003. Eddie Othman - Senior MD & Head of Residential Mortgage Warehouse Lending (212) 273-5878: Wells Fargo Bank, N.A. 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, C L Mortgages Limited December is a festive time, with a lot of eating, drinking and often, spending. Type of membership: Associate, BPE Homemove LLP Head office: Bankcentre Britain, Belmont Road, Uxbridge, Middlesex, UB8 1SA, DX 45104 UXBRIDGE First-time borrowers need a 640 minimum credit score. Type of membership: Associate, UBS Limited Head office: 250 St Vincent Street, Glasgow, G2 5SH Type of membership: Member, Newbury Building Society Type of membership: Member, West Bromwich Mortgage Company Limited It means lenders will not release the mortgage funds until your solicitor has received confirmation from the builder that the property has passed a pre-handover inspection by NHBC or another warranty provider. The UK Finance lenders' handbook provides comprehensive instructions for conveyancers acting on behalf of lenders in residential conveyancing transactions. Enter to open, tab to navigate, enter to select Type of membership: Member, The Royal Bank of Scotland plc Head office: 1 Filey Street, Bradford, BD1 5AT Head office: Centurion House, 24 Monument Street, London, EC3R 8AJ This list is regularly updated as Lenders update their approval lists - please check back! Head office: 6th Floor, The Chambers, Chelsea Harbour, London, SW10 0XF A warranty scheme acts as insurance covering named defects to the property. Head office: Abbey House, 2 Triton Square, Regents Place, London, NW1 3AN Type of membership: Member, Mortgage Trust plc Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Type of membership: Associate, Landmark Information Group Ltd Type of membership: Member, London Mortgage Company Head office: Golden House, 30 Great Pulteney Street, London, W1F 9LT Head office: Castle Street, Macclesfield, Cheshire, SK11 6AF, DX 25001 MACCLESFIELD-2 Head office: Two Castle Terrace, Edinburgh, EH1 2YA Confirmation from the 'scheme provider' that the . Head office: 19 St Petersgate, Stockport, Cheshire, SK1 1HF, DX 19652 STOCKPORT 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. Head office: 1 Connaught Place, Marble Arch, London, W2 2DY, 142060 MARBLE ARCH 2 Without an approved warranty in place, mortgage lenders may not release funds . New American Funding: Best for low APR. Type of membership: Associate, Irish Permanent International Were thrilled to open the doors to the @nsbrc for our first ever event for self-builders. Head office: Merrill Lynch Financial Centre, 2 King Edward Street, London, EC1A 1HQ Head office: Sandford House, Sandford Road, Cheltenham, Glos, GL53 7SH Head office: 4 Market Square, Stafford, ST16 2JH, DX 701367 STAFFORD-3 Head office: Cumberland House, Castle Street, Carlisle, Cumbria, CA3 8RX, DX 63025 CARLISLE 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. Head office: Venture Court, Waterside Business Park, Valley Way, Swansea, SA6 8QP, DX 82804 SWANSEA 2

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