In the face of the ongoing cost-of-living squeeze and rising interest rates, we expect a softer market for house purchases. Best for flexible loan options: PNC Bank . Type of membership: Member, Stroud & Swindon Building Society By downloading this document, you understand and agree that any sharing, distribution or republishing of the content, without prior written authorisation from the author or content managers at UK Finance, shall be constituted as a breach of the UK Finance website terms of use. Type of membership: Member, Kensington Mortgages For these reasons, NHBC has submitted that rule 8 and its definition of "other home warranty schemes" have now become obsolete. Head office: 20 Ralli Courts, West Riverside, New Bailey Street, Salford, M3 5FT UK Mortgage Lender Approval. Type of membership: Member, Platform 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. Most mortgage lenders in the U.S. are mortgage bankers. Finder.com Comparison UK Limited (company number: 10482489) is authorised and regulated by the Financial Conduct Authority (firm reference number: 786446). Head office: Britannia House, Cheadle Road, Leek, Staffordshire, ST13 5RG, DX 16351 LEEK We offer new build and retrospective warranties. Type of membership: Member, Bristol & West Investments Plc Head office: Group Head Office, 11-16 Donegall Square East, Belfast, BT1 5UB Head office: City House, City Road, Chester, CH88 3AN, DX 21645 CHESTER Head office: 12/14 Ridgeway Street, Douglas, Isle of Man, IM1 1EN Head office: Waverley House, 7-12 Noel Street, London, W1F 8GQ Type of membership: Member, Monmouthshire Building Society Type of membership: Associate, Thomas Eggar LLP Type of membership: Associate, Cheyne Capital Management (UK) LLP Head office: High Street, Chalfont St Giles, Buckinghamshire, HP8 4QB, DX 31951 CHALFONT ST PETER Type of membership: Member, The Chorley & District Building Society Head office: Southport Business Park, Wight Moss Way, Southport, PR8 4HQ, DX 728540 SOUTHPORT 8 Type of membership: Associate, BancTec Limited If you have any queries relating to lender approval, please call us on0800 183 1755. Head office: Plaza West, Bridge Street, Reading, Berkshire, RG1 2LZ, DX 4029 READING-1 If you think you may have been a victim of a scam please contact your bank immediately and report it to action . Our warranties offer a saving up to 50% compared to other Structural Warranties. Head office: 55 Colmore Road, Birmingham, B3 2AS, DX 13036 BIRMINGHAM 1 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. Head office: 43 Church Street, Reigate, Surrey, RH2 0AE, DX 54107 REIGATE-2 It helps people to get pre-qualified and pre-approved by lenders so they can purchase a residential property. Guaranteed Rate: Best for variety of loan types. Head office: 1 More London Place, London, SE1 2AF Head office: Citigroup Centre, Canada Square, London, E14 5LB Head office: 1 Redcliff Street, Bristol, BS1 6TP, DX 7815 BRISTOL Care Orders, Interim Care Orders and Care Proceedings. Type of membership: Member, HBOS plc Using an advisor makes applying for a mortgage incredibly easy and asking for help is a breeze as well. Type of membership: Member, UCB Home Loans Corporation Ltd Head office: 2nd floor, Tower Bridge House, St Katharines Way, London, E1W 1DD Type of membership: Member, Just Retirement Type of membership: Associate, AIG UK Limited Head office: Pennine House, Well Street , Bradford, W Yorskshire, BD1 5NU Type of membership: Associate, Optima Legal Services Ltd Natalie Campisi, Andrea Riquier. If you have a query about a lender that is not listed here please contact us. Head office: Progressive House, 33-37 Wellington Place, Belfast, BT1 6HH, DX 4230 NR BELFAST 26 Type of membership: Member, Cheval Property Finance Plc We help our members to implement regulatory initiatives through a compliant and customer-focused approach, and by sharing best practice across the industry. Mortgage Lenders will only lend on a property if it is covered by an approved warranty policy or a Council of Mortgage Lenders (CML) Professional Consultants Certificate (PCC). Type of membership: Member, Oakwood Homeloans Ltd You can also see which Lenders currently list Q as an Approved Scheme here: https://lendershandbook.ukfinance.org.uk/lenders-handbook/. Head office: Ambassador House, Paradise Road, Richmond upon Thames, Surrey, TW9 1SQ Type of membership: Member, Astra Mortgages The CMA will consider whether this is the case in the review. Register your interest for our Later Life Lenders programme to help address issues relating to adviser knowledge and their ability to communicate options. Protek Group Ltd is an Appointed Representative of Steve Wassell Insurance Management Ltd which is authorised and regulated by the Financial Conduct Authority. action fraud. Head office: Economic House, PO Box 9, High Street, Coventry, CV1 5QN, DX 18855 COVENTRY-2 Head office: 2nd Floor, 440 Strand, London, WC2R 0QS, DX 141813 COVENT GARDEN 5 But this meant homeowners signing a lease (typically for 25 years) at the time that can complicate mortgage applications today. Head office: 3rd Floor, 5-10 Bury Street, London, EC3A 5AT 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). Type of membership: Member, GMAC-RFC Ltd Head office: PO Box 12757, 67 Morrison Street, Edinburgh, EH3 8YJ Head office: 27-31 Charlotte Street, London, W1T 1RP Our structural warranties are widely recognised by UK Mortgage Lenders, as listed in the UK Finance/Council of Mortgage Lenders handbook. Our structural warranty providers have over 20 years in the insurance industry and their goal . Type of membership: Associate, Aberdein Considine and Company 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). 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. 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. Head office: Nationwide House, Pipers Way, Swindon, SN38 1NW, DX 83654 SWINDON HAWKSWORTH PenFed Credit Union: Best credit union for mortgages. Type of membership: Associate, Legal & General Assurance Society Ltd Type of membership: Member, Bank of Cyprus UK Head office: 156 Milligan Street, London, E14 8AS Type of membership: Member, Birmingham Midshires 2) Lower, LLC Brianne Nichole Kesner NMLS# 1373401. 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, Eversheds LLP Head office: Reading International Business Park, Basingstoke Road, Reading, RG2 6DB Head office: 30 Church Street, Epsom, Surrey, KT17 4NL, DX 30729 EPSOM With a 10 year policy, you want a partner you can trust. This is because most of the major banks and building societies will only accept warranty providers who have met this requirement. Our specialists provide an unmatched breadth and depth of knowledge. 19. Head office: 2/3 Hind Court, Fleet Street, London, EC4A 3DL, DX154 LONDON Type of membership: Associate, Fuel Investments Ltd Protek Group Limited FCA Reg. Type of membership: Associate, Fitch Ratings Ltd Type of membership: Member, Leek United Building Society Type of membership: Member, Hanley Economic Building Society Type of membership: Member, ING Direct N.V. Head office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AD This certificate used to be known as an 'Architects Certificate' and is not an insurance policy or structural warranty ; however, it is possible to start with this low cost option . Type of membership: Associate, Rosling King Solicitors Type of membership: Member, Bath Investment & Building Society 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: Edgbaston House, 3 Duchess Place, Birmingham, B16 8NH Head office: 40 Wakefield Road, Leeds, LS98 1FD Type of membership: Associate, Jeffrey Green Russell Type of membership: Member, Hinckley and Rugby Building Society Head office: Citigroup Centre, Canada Square, London, E14 5LB Type of membership: Member, First Trust Bank Head office: Keith House, Redheughs Rigg, South Gyle Crescent, Edinburgh, EH12 9DQ 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. Type of membership: Member, Teachers Building Society Head office: One Globeside, Fieldhouse Lane, Marlow, Buckinghamshire, SL7 1HZ Head office: Prospect House, PO Box 6, Scarborough, North Yorkshire, YO12 6EQ, DX 61820 SCARBOROUGH Head office: Barnwood, Barnett Way, Gloucester, GL4 3RL, DX 55251 GLOUCESTER-2 Let's build better! Apply online for a quote. footnote. continue we'll assume you are happy to receive them. The mortgage industry offers two main options for loan originators. Head office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX Indicates if Protek is an acceptable new build warranty for a lender on new build properties. Type of membership: Member, Lloyds TSB Scotland plc Type of membership: Member, Wave 3) Ruoff Home Mortgage Nathanael Peppi Jones NMLS# 1841663. Head office: 50 St Edward Street, Leek, Staffordshire, ST13 5DH, DX 16354 LEEK We provide comprehensive lender data and statistics to help policymakers understand key trends and the impact of legal and regulatory change. Lender that is not listed here please contact us mortgage industry offers two main options for loan.... Purpose to Architects Certificates but have a number of distinct advantages Lenders to... Happy to receive them Insurance industry and their goal face of council of mortgage lenders approved warranty providers major banks building. 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