Head office: Key House, Foxhole Road, Chorley, Lancashire, PR7 1NZ, DX 18419 CHORLEY-1 Type of membership: Associate, UBS Limited Head office: Westgate Chambers, 3 High Street, Chipping Sodbury, Gloucestershire, BS37 6BA, DX 56804 CHIPPING SODBURY Type of membership: Member, Birmingham Midshires Type of membership: Member, Dudley Building Society Type of membership: Member, The Royal Bank of Scotland plc Type of membership: Member, Morgan Stanley Bank International Limited Further confirmation of Lender approval of LABC Warranty for is available under section 6.7 of the CML Lender's Handbook. Type of membership: Member, Bank of Cyprus UK Head office: Sandford House, Sandford Road, Cheltenham, Glos, GL53 7SH This week we published our housing and market forecasts for 2023 and 2024. A mortgage lender sponsors an educational lunch for real estate agents where employees of the lender are invited to speak. written and contributed by Gateway Surveyors Mortgage lenders will only accept newly built or newly converted property if it is provided with an approved new build warranty or it is built (or newly converted) under the supervision of a suitably qualified professional (with appropriate professional . If you have a query about a lender that is not listed here, contact us on 0345 230 9874 or email sales@selfbuildzone.com. The Handbook is voluntary for lenders and not all choose to use it. All rights reserved. The Council of Mortgage Lenders issued a letter to the ICFA on the 13th September 2012 confirming the following statement: FEBRUARY 2010 The Valuation Panel of the Council of Mortgage Lenders confirmed that ICF (Insulating Concrete Formwork) construction is acceptable for mortgage purposes as a standard form of construction, subject to provision of valid product certification and monitoring of . Type of membership: Member, Catholic Building Society Head office: 11 Cradock Street, Swansea, West Glamorgan, SA1 3EW, DX 39595 SWANSEA You can also see which Lenders currently list Q as an Approved Scheme here: https://lendershandbook.ukfinance.org.uk/lenders-handbook/. Type of membership: Member, Teachers Building Society 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. Q is an Appointed Representative of Steve Wassell Insurance Management Ltd which is authorised and regulated by the Financial Conduct Authority - Reg. 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: Bridge House, Queens Park Road, Handbridge, Chester, CH4 7AD Type of membership: Member, The Mansfield Building Society It helps people to get pre-qualified and pre-approved by lenders so they can purchase a residential property. The company offers a variety of loan products, such as bank statement loans, coops, construction loans, downpayment assistance programs, and . Underwritten by industry-leading rated insurers, Advantage is a CTSI code sponsor, having completed the rigorous CTSI Consumer Codes Approval Scheme process. 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 . Guarantees are available for mortgage loans, apartment construction or repair financing, and transitional housing loans in eligible rural areas. Type of membership: Associate, BPE Homemove LLP Type of membership: Member, Clydesdale Bank plc 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. Our structural warranty covers including New Building, Self Builds, Barns, Industrial Conversions & Retrospectively. 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). Company number 10250295. We also support the home buying process through the UK Finance Handbook and our work with governments and representatives from the legal communities. The following lenders have confirmed acceptance of the Protek Warranty. Type of membership: Associate, Fool Financial Services Ltd Our warranties offer a saving up to 50% compared to other Structural Warranties. No. Type of membership: Associate, Clayton Euro Risk Limited A member of our team will phone at a time convenient for you. Guaranteed Rate: Best for variety of loan types. Head office: Caledonia House, Carnegie Avenue, Dunfermline, Fife, KY11 8PJ Type of membership: Member, Scottish Widows Bank plc Head office: No 1 Whitehall Riverside, Leeds, LS1 4BN, DX 14085 Leeds 1 The industry welcomes the Financial Conduct Authoritys (FCA) guidance for firms supporting their existing mortgage borrowers impacted by the rising cost of living (the Draft Additional Guidance). Head office: 30 Church Street, Epsom, Surrey, KT17 4NL, DX 30729 EPSOM Type of membership: Member, HSBC Bank plc 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: Associate, Fitch Ratings Ltd In . Type of membership: Associate, First Title Insurance plc Head office: Pennine House, Well Street , Bradford, W Yorskshire, BD1 5NU mortgage approval rates fell by 87%. Head office: Abbey House, 2 Triton Square, Regents Place, London, NW1 3AN Head office: 1 Callaghan Square, Cardiff, CF10 5BT Head office: Millennium Bridge House, 2 Lambeth Hill, London, EC4V 4AJ Type of membership: Member, Loughborough Building Society Head office: 14-16 Station Road, Harpenden, Hertfordshire, AL5 4SE, DX 80470 HARPENDEN Care Orders, Interim Care Orders and Care Proceedings. Head office: 100 Liverpool Street, London, EC2M 2RH Use tab to navigate through the menu items. As a homeowner, you should note that newly-built houses may easily experience . Head office: Stewart House, Pynes Hill, Strathclyde Business Park, Exeter, EX2 5AZ Indicates if Protek is an acceptable new build warranty for a lender on new build properties. UK Finance: 5th Floor, 1 Angel Court, London EC2R 7HJ. UK Finance Limited (trading as UK Finance) 2020. We are listed in the UK Finance (Old CML) Handbook and the Building Societies Association Mortgage Instructions, which describe each lenders specific requirements. 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 . The No. Type of membership: Member, Manchester Building Society Type of membership: Member, 5D Finance Limited Not all defects on the title or property are accepted for indemnity insurance. At PMJ Risk Solutions we have excellent relationships with many of the UK's top Warranty providers and you can be sure we will find the best product for you, with a quality and secure market. If you think you may have been a victim of a scam please contact your bank immediately and report it to Consumer protection: Type of membership: Member, National Counties Building Society UK Finance does not offer any financial products and anyone claiming to provide such products on our behalf is fraudulent. This is because most of the major banks and building societies will only accept warranty providers who have met this requirement. Type of membership: Member, Bradford & Bingley plc Our members undertake an estimated 97 per cent of the UKs residential mortgage lending. Type of membership: Member, Church House Trust Plc Type of membership: Member, Harpenden Building Society Type of membership: Member, Partnership Home Loans Limited Head office: 70 Owen Street, Tipton, West Midlands, DY4 8HG, DX 700152 TIPTON Type of membership: Associate, Thomas Eggar LLP Our specialists provide an unmatched breadth and depth of knowledge. 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. A CML Certificate is granted where the consultant has supervised the building of the property and confirms that it has been built in accordance with the plans and to a satisfactory standard. Head office: The Oriel, Sydenham Road, Guildford, Surrey, GU1 3SR, DX 2407 Guildford Type of membership: Associate, Crown Mortgage Management Type of membership: Member, Standard Life Bank Ltd Type of membership: Member, Yorkshire Bank Head office: Pacific House, Relay Point, Tamworth, Staffordshire, B77 5PA Type of membership: Associate, Legal & General Assurance Society Ltd Head office: Yorkshire House, Yorkshire Drive, Bradford, West Yorkshire, BD5 8LJ, DX 11798 BRADFORD Head office: 3rd Floor, 5-10 Bury Street, London, EC3A 5AT 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. News > New lifetime mortgage provider gets FCA approval. Type of membership: Member, Swift 1st Head office: 43 Church Street, Reigate, Surrey, RH2 0AE, DX 54107 REIGATE-2 Head office: Arab Banking, Corporation House, 1-5 Moorgate, London, EC2R 6AB To take fixed security over the shares in a Scottish company, the shares have to be transferred to the lender. Type of membership: Member, Yorkshire Building Society Type of membership: Associate, Rosling King Solicitors Type of membership: Member, Ocean Money (II) Limited Type of membership: Associate, UKValuation Ltd The Council of Mortgage Lenders (CML) is the UK association which speaks on behalf of the UK mortgage industry. Type of membership: Associate, Irwin Mitchell Rent-a-roof schemes saw companies offer free solar panels in exchange for being able to sell the excess electricity produced. Type of membership: Member, GE Money Home Lending Ltd We offer new build and retrospective warranties. 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: High Street, Chalfont St Giles, Buckinghamshire, HP8 4QB, DX 31951 CHALFONT ST PETER Head office: Arundel House, 1 Liverpool Gardens, Worthing, BN11 1SL Head office: The Bailey, Skipton, North Yorkshire, BD23 1DN We serve the nation's homebuyers, homeowners, renters, and communities through nationwide programs that support safe, sustainable, and affordable housing and access to quality healthcare. Type of membership: Member, DB UK Bank Limited We engage with policymakers across the UK and EU. Type of membership: Member, Earl Shilton Building Society Head office: Sentinel House, Lingfield Way, Darlington, Co Durham, DL1 4PR, DX 712851 DARLINGTON-6 Criteria Brain is an online research tool for UK based mortgage advisors. Head office: 117-119 Whitby Road, Slough, SL1 3DR Head office: 50 St Edward Street, Leek, Staffordshire, ST13 5DH, DX 16354 LEEK Type of membership: Associate, Cobbetts LLP [1] The value of gross mortgage advances in 2021 Q2 was 89.0 billion, over double the amount seen in 2020 Q2, and the highest level since 2007 Q3 (Table A and Chart 1). This list is regularly updated as Lenders update their approval lists - please check back! Type of membership: Member, Topaz Finance PLC Type of membership: Member, Britannia Building Society Head office: 7 St. James Square, Manchester, M2 6XX 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, The Woolwich 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: Atlantic House, Holborn Viaduct, London, EC1A 2FG Type of membership: Associate, Hammonds Direct Type of membership: Member, Bank of Ireland Home Mortgages Ltd Type of membership: Associate, Willis Limited Head office: Duffield Hall, Duffield, Derbyshire, DE56 1AG Type of membership: Member, Coventry Building Society Tax advisers and accountants are still phoning HMRC for a paper copy of . Type of membership: Associate, Acadametrics Limited Type of membership: Member, Bristol & West plc Head office: 9 Spring Street, London, W2 3RA Type of membership: Member, Monmouthshire Building Society Type of membership: Associate, TLT Solicitors Type of membership: Member, Cheshire Building Society Type of membership: Member, First Trust Bank Head office: 374 High Street, West Bromwich, West Midlands, B70 8LR, DX 14611 WEST BROMWICH 7 Type of membership: Member, The One Account Ltd Council of Mortgage Lenders approved; . Head office: Cumberland House, Castle Street, Carlisle, Cumbria, CA3 8RX, DX 63025 CARLISLE 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. Natalie Campisi, Andrea Riquier. which Q can offer to satisfy the mortgage lending criteria. Type of membership: Member, Scarborough Building Society Let's build better! Type of membership: Member, Darlington Building Society Head office: Merchant House, 30 Cloth Market, Newcastle Upon Tyne, NE1 1EE Type of membership: Associate, IBM Global Business Services Head office: 27-31 Charlotte Street, London, W1T 1RP Head office: Welland House, The Square, Market Harborough, Leicestershire, LE16 7PD, DX 27312 MARKET HARBOROUGH Regus-Leicester Grove Park, 1st Floor Gateway House. The handbook was formerly produced by the Council of Mortgage Lenders (CML), and known as the CML Handbook or CML Lenders' Handbook. Type of membership: Member, Affirmative Finance Limited Head office: Portman House, Richmond Hill, Bournemouth, BH2 6EP Type of membership: Member, Godiva Mortgages Limited Head office: Mercantile House, Blackberry Lane, Lingfield, Surrey, RH7 6NG, Crocus Home Loans Limited (Reviewed by members in November 2022 and no amendments were required to me made to the version dated 2021). Head office: 10 The Forum, Minerva Business Park, Lynch Wood, Peterborough, PE2 6FT Type of membership: Member, Saffron Building Society Type of membership: Associate, Fuel Investments Ltd Head office: 81 Upper Bond Street, Hinckley, Leicestershire, LE10 1DG, DX 716435 HINCKLEY . Head office: 22 The Hollow, Earl Shilton, Leicester, LE9 7NB 231905. Head office: Endeavour House, 1 Lyonsdown Road, New Barnet, Hertfordshire, EN5 1HU, DX 47708 NEW BARNET Type of membership: Member, Wave In this section Tasks for regulated firms Approved persons Senior Managers and Certification Regime Change in control Appointed representatives and principals Brexit Variation of permission Waivers and modifications Capital requirements permissions Fees and levies Regulatory reporting Change of legal status Firm details Your business Whistleblowing Culture and governance Report mortgage fraud . Type of membership: Associate, Paymentshield Limited The outstanding value of all residential mortgage loans was 1,667.1 billion at the end of 2022 Q3, 4.1% higher than a year earlier. Head office: Barnwood, Barnett Way, Gloucester, GL4 3RL, DX 55251 GLOUCESTER-2 Head office: St Crispins, Duke Street, Norwich, NR3 1PD, 5245 NORWICH Type of membership: Member, Stafford Railway Building Society Type of membership: Member, Derbyshire Building Society LIBF Later Life Lending - Register your interest, The outlook for households brightens slightly but many will still need support from their banks, A New Years resolution for security over Scottish shares, Guidance for firms supporting their existing mortgage borrowers impacted by the rising cost of living response from UK Finance, Mortgage market forecast to be weaker amid affordability pressures, Mortgage lending to fall 15 per cent next year, returning to pre-pandemic levels, Dont let money worries dampen your festive spirit, Half of new first-time-buyer mortgages have terms over 30 years, up from a quarter ten years ago. Representatives from the legal communities, Leicester, LE9 7NB 231905 22 the Hollow, Earl,. 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