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Question: 6.7.1. What new home warranty schemes are acceptable to the lender?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
We accept the following new home warranty schemes: * NHBC * Premier Guarantee * LABC * Building Life Plans (BLP). These policies are underwritten by Allianz Global but written by BLP. * Checkmate/Castle 10 (nb. where out buildings such as a detached garage are also being constructed an endorsement to include these in cover is required). * Build-Zone * Build Assure (New Home Structural Defects Insurance) * Global Home Warranties (Structural Defects Insurance) * The Q Policy for Residential Properties * The Q Policy for Bespoke Properties (detached only) * Protek * Advantage - There must be no more than 10 units in any continuous structure * International Construction Warranties (ICW) * Ark Residential New Build Latent Defects Insurance. Where a detached garage/outbuilding has been constructed at the same time as the main building, the policy must include an endorsement confirming cover for the detached garage/outbuilding * Aedis (nb. There must be no more than 20 units in the structure) * One Guarantee * HomeProof (nb. There must be no more than 20 units in the structure) |
| Accord Mortgages Ltd |
We accept the following new home warranty schemes: * NHBC * Premier Guarantee * LABC * Building Life Plans (BLP). These policies are underwritten by Allianz Global but written by BLP. * Checkmate/Castle 10 (nb. where out buildings such as a detached garage are also being constructed an endorsement to include these in cover is required). * Build-Zone * Build Assure (New Home Structural Defects Insurance) * Global Home Warranties (Structural Defects Insurance) * The Q Policy for Residential Properties * The Q Policy for Bespoke Properties (detached only) * Protek * Advantage - There must be no more than 10 units in any continuous structure * International Construction Warranties (ICW) * Ark Residential New Build Latent Defects Insurance. Where a detached garage/outbuilding has been constructed at the same time as the main building, the policy must include an endorsement confirming cover for the detached garage/outbuilding * Aedis (nb. There must be no more than 20 units in the structure) * One Guarantee * HomeProof (nb. There must be no more than 20 units in the structure) |
| Adam & Company |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/ Renovations (NOTE: Structural Warranties issued retrospectively are not acceptable to the Bank): •Aedis Group Homeproof Structural Warranties. •Advantage Warranties. •Ark Residential New Build Latent Defects Insurance. •Build Assure (New Home Structural Defects Insurance). •Buildcare. •Building Lifeplans Limited (BLP, Allianz Guarantee). •Build Zone. •Castle 10 (Checkmate). •Global Home Warranties LABC (New Home Warranty – not self-build). •International Construction Warranties (ICW). •NHBC. •Premier Guarantee. •Protek New Home Warranty. •The Q Policy. •Trenwick International. •Ward Cole (12 year structural warranty). •Zurich Municipal (no longer available from August 2009). Please note the level of cover available under the warranty will need to be sufficient to meet the full, reasonable costs of repairing any defects covered under the warranty. |
| Adam & Company International |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/ Renovations (NOTE: Structural Warranties issued retrospectively are not acceptable to the Bank): •Aedis Group Homeproof Structural Warranties. •Advantage Warranties. •Ark Residential New Build Latent Defects Insurance. •Build Assure (New Home Structural Defects Insurance). •Buildcare. •Building Lifeplans Limited (BLP, Allianz Guarantee). •Build Zone. •Castle 10 (Checkmate). •Global Home Warranties LABC (New Home Warranty – not self-build). •International Construction Warranties (ICW). •NHBC. •Premier Guarantee. •Protek New Home Warranty. •The Q Policy. •Trenwick International. •Ward Cole (12 year structural warranty). •Zurich Municipal (no longer available from August 2009) . Please note the level of cover available under the warranty will need to be sufficient to meet the full, reasonable costs of repairing any defects covered under the warranty. |
| Ahli United Bank (UK) plc |
NHBC Zurich Minicipal HAPM Premier Guarantee For other please refer to Central Administration Unit |
| Aldermore Bank PLC |
ABC+ Advantage HCI Aedis Warranties Limited Ark Residential Insurance Build Assure Build Life Plans Build Zone Castle 10/Checkmate CRL (for non-new build properties only providing they were underwritten by ARK, IGI UK LTD or CGICE) Global Home Warranties International Construction Warranties (ICW) LABC NHBC One Guarantee Premier Guarantee Protek Q Assure CADIS Build warranty group Retrospective warranties are not acceptable. Any other new home warranty schemes will be considered on their merits and should be sent to the address at 1.11. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) |
NHBC Zurich Municipal Premier Guarantee LABC ICW (International Construction Warranties) CRL Limited |
| April Mortgages |
April will not lend on properties that have been built or converted in the last 24 months. For properties built 2yr - 10yrs one of the following warranties must be in place: NHBC Advantage HCI, Aedis Warranties Ltd, Build Assure, New Homes/Build Assure 10, Building Life Plans (BLP), Build-Zone New Home Warranty, Checkmate Castle 10 Home Warranty, Global Home Warranties Ltd, International Construction Warranties Ltd (ICW), Local Authority Building Control (LABC) New Home Warranty, Premier Guarantee, Protek, The Q Policy, Cadis. |
| Atom Bank plc |
The following home warranty schemes (or alternative) are acceptable:- - Compariqo - NHBC; - Zurich Municipal (no longer offered for new property sales); - Premier Guarantee; - Building Life Plans; - Building Zone; - LABC New Home Warranty; - Checkmate Warranty; - Construction Register; - HAPM; - Advantage; - Aedis - ICW; - Q Assure; - One Guarantee; - Global Homes; - ARK Residential - ABC+ Warranty - CADIS - Professional Consultant's Certificate from a suitable architect/surveyor that are corporate members of the Royal Institute of British Architects or Royal Institution of Chartered Surveyors with appropriate current professional indemnity insurance. |
| Aviva Equity Release UK Ltd |
The following structural warranties are acceptable for new builds/self builds/conversions/renovations. The warranty must have been issued as a result of periodic checks of the property during the construction or conversion process – a retrospectively applied for and issued building warranty insurance is not acceptable. NHBC Zurich Premier Building Life Plan Build Zone LABC Checkmate/Castle 10 ABC+ Advantage Ark Build Assure Global Home Warranties Home Proof ICW (International Construction Warranties) One Guarantee Protek The Q Policy |
| Bank of China | The following 10-year structural warranties are acceptable for new builds: NHBC, LABC, Premier Guarantee, Castle 10(Checkmate), HomeProof(Aedis), Build-Zone, Protek, ICW. |
| Bank of Ireland (UK) plc |
NHBC Zurich Municipal LABC Build-Zone Premier Guarantee (provided the insurance cover offered is greater than, or equal to, the market value or insurance figure, whichever is the greater) Building Life Plan (provided the cover includes the contaminated land and health & safety for occupiers options) Castle 10 from Checkmate (provided any outbuildings also being constructed are included in the cover by endorsement) The Q Policy for Residential Properties, Bespoke Properties & Completed Properties Construction Register (CRL) International Construction Warranties (ICW) Protek Advantage HCI Aedis Warranties Limited Global Home Warranty |
| Bank of Ireland as Bank of Ireland Mortgages |
NHBC Zurich Municipal LABC Build-Zone Premier Guarantee (provided the insurance cover offered is greater than, or equal to, the market value or insurance figure, whichever is the greater) Building Life Plan (provided the cover includes the contaminated land and health & safety for occupiers options) Castle 10 from Checkmate (provided any outbuildings also being constructed are included in the cover by endorsement) The Q Policy for Residential Properties, Bespoke Properties & Completed Properties Construction Register (CRL) International Construction Warranties (ICW) Protek Advantage HCI Aedis Warranties Limited |
| Bank of Scotland Beginning A |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Bank of Scotland Beginning O |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC |
NOTE: For our purposes the definition of a new home (or new-build) is a property that was first registered two or fewer years ago OR a property that is subject to first sale by the developer, irrespective of how much time has passed since the property was first registered or any rental usage in the interim (e.g. this may be because the property is a new construction, a conversion or a renovation from an earlier use): • ABC+, • Advantage/ AHCI, (only warranties underwritten by CGICE), • ARK 10 Year Structural Defects Insurance, • Build Assure (New Homes Structural Defects Insurance), • Build-Zone Structural Warranty (including Build-Care), • CADIS • Checkmate Castle 10 New Home Warranty, • Global Home Warranties 10 Year Structural Defects Insurance, • Protek, • HomeProof (previously AEDIS Warranties Ltd), (Only warranties underwritten by Millenium, SCOR or Titanium Insurance Company) • ICW (International Construction Warranties), • LABC New Home Warranty, • NHBC, • One Guarantee, • Premier Guarantee, and • Q Policy. CRL (no longer trading): Policies backed by Casualty & General, or ARK are still acceptable BLP: Policies underwritten by AGCS for business accepted by BLP up to 27th November 2020 are acceptable |
| Barnsley Building Soc, a trading name Yorkshire Building Soc |
- NHBC - Zurich Muncipal provided there is already a warranty in place or the property is on a development which has already commenced. In both cases, Zurich must confirm that it will honour the warranty - Premier Guarantee - LABC New Home Warranty - Building Life Plans - Checkmate/Castle 10 - Build-Zone - HomeProof (nb. There must be no more than 20 units in the structure) Any other new home warranty schemes will be considered on their merits and details should be sent to whoever issued the offer/instructions. |
| Better HomeOwnership (Mortgages) |
We accept the following new home warranty Schemes: NHBC Zurich Municipal Build Zone including Self Build Zone (excluding self-builds under construction) Premier Guarantee Building Life Plans (excluding self-builds under construction) LABC Castle 10 (where out buildings are included in the construction e.g. a detached garage, an endorsement to include these in the cover is required) The Q Policy for Residential Properties Build Assure (New Homes Structural Defects Insurance) Aedis Group Advantage HCI ICW Protek New Homes warranty ARK Residential New Build Latent Defects Insurance CRL New Build 10 Year Structural Insurance Policy for Residential Property ABC+ Global Home Warranties Limited (10 year Structural Defects Insurance Policy) One Guarantee Professional Consultant's Certificate (PCC) which is valid for the first 6 years is also acceptable for developments of 10 properties or less, subject to: Appropriate PII cover is in place in favour of the applicant which is transferable to the lender. It is signed by a qualified architect who is a corporate member of RIBA or a qualified chartered building surveyor who is a corporate member (FRICS or MRICS) of the RICS. Confirmation exists that the entire project has been supervised by the relevant consultant. A re-inspection is not required to confirm the property has been completed, the solicitor confirming a satisfactory building warranty is in place is sufficient. |
| Birmingham Bank |
Advantage HCI • Aedis Warranties Ltd • Ark Residential New Build Warranty • BOPAS • Build Assure • Building Life Plans • Buildzone • Checkmate (Castle 10) • Global Home Warranties • International Construction Warranties (ICW) • LABC • N.H.B.C. guarantee • Premier Guarantee Scheme • Protek • The Q Policy |
| Birmingham Midshires |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Bluestone Mortgages | NHBC, Zurich Municipal, BLP, LABC New Home Warranty, Castle 10 provided by Checkmate, Build Assure, ICW (International Constructions Warranties), Aedis Warranties & The Q Policy, Build Zone Premier Guarantee, One Guarantee, Global Home Warranties, Ark Residential New Build & Latent Defects Insurance Policy, Advantage, Protek. |
| Bradford & Bingley Limited |
The National House Building Council (NHBC) Buildmark scheme; the Housing Association Property Mutual (HAPM) scheme; the Premier Guarantee for Private Housing and Completed Housing; the Building LifePlans scheme; LABC New Home Warranty |
| Britannia, a trading name of The Co-operative Bank plc | NHBC; Zurich Municipal; Premier Guarantee; Building Life Plans; LABC Hallmark; Checkmate Castle 10; FMB Latent Defects; Build-Zone; Q Assure Build (Q Policy for Residential Properties); International Construction Warranties (ICW); HomeProof New Build 10 (formerly AEDIS HomeProof New Build 10); One Guarantee; Advantage Home Construction Insurance (AHCI limited); Ark Residential New Build Latent Defects Insurance. |
| Buckinghamshire Building Society |
NHBC, CRL Structural Home Warranty, LABC, Buildzone, Premier Guarantee, Building Life Plans, Build Assure, International Construction Warranties, Checkmate/Castle 10 (requires an endorsement to the Policy to cover any outbuildings). The Q Policy, Protek |
| Chelsea Building Society (a trading name of Yorkshire BS) |
We accept the following new home warranty schemes: * NHBC * Premier Guarantee * LABC * Building Life Plans (BLP). These policies are underwritten by Allianz Global but written by BLP. * Checkmate/Castle 10 (nb. where out buildings such as a detached garage are also being constructed an endorsement to include these in cover is required). * Build-Zone * Build Assure (New Home Structural Defects Insurance) * Global Home Warranties (Structural Defects Insurance) * The Q Policy for Residential Properties * The Q Policy for Bespoke Properties (detached only) * Protek * Advantage - There must be no more than 10 units in any continuous structure * International Construction Warranties (ICW) * Ark Residential New Build Latent Defects Insurance. Where a detached garage/outbuilding has been constructed at the same time as the main building, the policy must include an endorsement confirming cover for the detached garage/outbuilding * Aedis (nb. There must be no more than 20 units in the structure) * One Guarantee * HomeProof (nb. There must be no more than 20 units in the structure) |
| CHL Mortgages |
The following are acceptable: • National House-Building Council Buildmark Scheme (NHBC) • Building Life Plan • Premium Guarantee Scheme • Checkmate Castle 10 • LABC New Home Warranty • Build-Zone Structural Warranty • Zurich Municipal • Advantage • Aedis Warranties • Global Home Warranties • Protek • ICW • One Guarantee • Ark Residential New Build Warranty • A UK Finance compliant Professional Consultants Certificate (PCC) with accompanying Professional Indemnity Insurance (see 6.7.6 for details). CHL Mortgages will consider other warranty providers subject to: • Confirmation is received from the Surveyor that the warranty scheme is not a known unacceptable one; and, • The warranty scheme including the following features: o Be provided by an ‘A’ rated insurer by one of the following rating agencies A.M Best, Fitch, Moody’s or S&P. o Cover is for a minimum of ten-years from completion of the first sale. o Cover includes the cost of complete or part rebuilding in the event of a building defect or structural failure. o The policy is fully transferable to a subsequent owner / buyer or a mortgage lender in possession within at least the first 10 years. o Physical technical site inspections occurred at key stages on at least a sample basis. o The maximum claim must not be less than the re-build cost of the property. o Claim excesses should be reasonable (in general this should not exceed £1,000). |
| Clydesdale Bank plc |
• HomeProof (Aedis Group) • Advantage HCI • Build assure - FMB • Building Life Plans (BLP) • Thomas Miller Specialty Construction (TMSC) • Build Zone (including Self-Build Zone) • Castle 10/Checkmate (Lockton) • Global Home Warranties • ICW • Local Authority Building Control New Home Warranty (MD Insurance Ltd) • NHBC • Premier Guarantee • Protek • Q-assured |
| Co-operative Bank plc |
- NHBC Certificate - Zurich Municipal policy - Premier Guarantee - Building Life Plans (BLP) - LABC New Home Warranty - Hallmark New Home Warranty - Build Zone Structural Warranty - FMB Latent Defects policy - Checkmate Castle 10 - International Construction Warranties (ICW) - Q Assure (The Q Policy) - HomeProof New Build 10 - changed (formerly AEDIS HomeProof New Build 10) - One Guarantee - Advantage Home Construction Insurance (AHCI Ltd) - Ark Residential New Build Latent Defects Insurance |
| Coutts |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/ Renovations (NOTE: Structural Warranties issued retrospectively are not acceptable to the Bank): •ABC + •Aedis Group Homeproof Structural Warranties. •Advantage Warranties. •Ark Residential New Build Latent Defects Insurance. •Build Assure (New Home Structural Defects Insurance). •Buildcare. •Building Lifeplans Limited (BLP, Allianz Guarantee). •Build Zone. •Castle 10 (Checkmate). •Global Home Warranties LABC (New Home Warranty – not self-build). •International Construction Warranties (ICW). •NHBC. •One Guarantee •Premier Guarantee. •Protek New Home Warranty. •The Q Policy. •Trenwick International. •Ward Cole (12 year structural warranty). •Zurich Municipal (no longer available from August 2009) •CADIS. Please note the level of cover available under the warranty will need to be sufficient to meet the full, reasonable costs of repairing any defects covered under the warranty. |
| Coutts Finance Co |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/ Renovations (NOTE: Structural Warranties issued retrospectively are not acceptable to the Bank): •Aedis Group Homeproof Structural Warranties. •Advantage Warranties. •Ark Residential New Build Latent Defects Insurance. •Build Assure (New Home Structural Defects Insurance). •Buildcare. •Building Lifeplans Limited (BLP, Allianz Guarantee). •Build Zone. •Castle 10 (Checkmate). •Global Home Warranties LABC (New Home Warranty – not self-build). •International Construction Warranties (ICW). •NHBC. •Premier Guarantee. •Protek New Home Warranty. •The Q Policy. •Trenwick International. •Ward Cole (12 year structural warranty). •Zurich Municipal (no longer available from August 2009) . Please note the level of cover available under the warranty will need to be sufficient to meet the full, reasonable costs of repairing any defects covered under the warranty. |
| Coventry Building Society |
NHBC Build Zone including Self Build Zone (excluding self-builds under construction) Premier Guarantee Building Life Plans (excluding self-builds under construction) LABC Castle 10/Checkmate (where outbuildings are included in the construction e.g. a detached garage, an endorsement to include these in the cover is required) The Q Policy for Residential Properties Build Assure (New Homes Structural Defects Insurance) Aedis Group Advantage HCI ICW Protek New Homes Warranty ARK Residential New Build Latent Defects Insurance ABC+ Global Home Warranties Limited (10 year Structural Defects Insurance Policy) One Guarantee The warranty must have been issued as a result of periodic checks of the property during the construction or conversion process – a retrospectively applied for and issued building warranty insurance is not acceptable. Refer all other warranty schemes to New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Cynergy Bank |
NHBC Building Life Plan Premier Guarantee LABC New Home Warranty Build Zone Structural Warranty Checkmate Castle 10 New Home Warranty Global Home Warranties 10 Year Structural Defects Insurance Policy ICW Building Warranties - only accepted for owner occupied properties. Aedis Warranties One Guarantee Q Assure Ark Residential New Build Latent Defects Insurance ABC+ Warranty Protek Group Limited ICW Insurance Services Limited |
| Danske Bank |
The following schemes are acceptable to us: • ABC+ Warranty • AHCI Limited (Advantage) • Ark Insurance Group Ltd • Build-Zone Insurance (a trading name of Sennocke International Insurance Services Limited) • Checkmate (Lockton LLP) - Castle 10 • Global Home Warranties Ltd • International Constructions Warranties Ltd (ICW) • LABC Warranty (MD Insurance Services Ltd is the scheme administer for LABC Warranty) • NHBC certificate • One Guarantee Limited • Premier Guarantee • Protek Group Limited • Zurich Municipal (provided there is already a warranty in place or the property is in a development which has already commenced - in both cases, Zurich must confirm that it will honor the warranty) • Architect/Surveyor (Professional Consultant) Certificate - Where the property is situated in a new development of up to six units, the Bank will accept a valid Professional Consultants Certificate in place of a warranty. The Certificate must follow the format provided in the appendix to this Handbook and Indemnity cover should be verified by the solicitor as specified. |
| Darlington Building Society |
NHBC LABC New Home Warranty Premier Guarantee Castle 10 New Home Warranty Build-Zone Protek Q Assure AEDIS (New Build; Self Build) Premier ICW One Guarantee Advantage Home Construction Insurance ARK Insurance Group BLP (Build Lifeplan Ltd) (excluding self-build under construction) ABC+ Checkmate |
| DB UK Bank Ltd |
NHBC Zurich Municipal Premier Guarantee |
| Dudley Building Society |
ABC+ Advantage (AHCI) Ark Checkmate/Castle 10 LABC (new build and self-build) NHBC (new build and self-build) Premier Guarantee (new build and self-build) Q Protek ICW Self-Build Zone Global Home Warranties Limited (new build only) Buildzone (new build only) |
| Ecology Building Society |
As a minimum, a certificate issued by an architect registered with the Architects Registration Board and holding adequate and current professional indemnity cover will be required for a new property. There are no restrictions on an architect certifying his/her own property. Where appropriate, other forms of new homes warranty such as NHBC, Premier Guarantee or LABC may also be acceptable, but any others should be referred to the Society. A Local Authority Building Regulations Practical Completion Certificate or verification from a Chartered Building Surveyor may be acceptable in certain circumstances, but these should first be referred to the Society (as in 1.7) |
| Family Building Soc (a trading name of National Counties BS) |
National House-Building Council (NHBC) Buildmark scheme Zurich Municipal Newbuild scheme Zurich Municipal Rebuild scheme Housing Association Property Mutual (HAPM) scheme Premier Guarantee for Private Housing and Completed Housing Building LifePlans scheme Build Assure (New Homes Structural Defects Insurance) LABC New Home Warranty Checkmate/Castle 10 (where outbuildings, such as a detached garage, are included in the construction, an endorsement to include these in the cover is required) Buildzone International Construction Warranties (ICW) Ark Residential New Build Latent Defects Insurance Advantage HCI - There must be no more than 10 units in any continuous structure Any other scheme must be referred to the Loans Underwriting Department, Epsom for approval. |
| First Direct |
• ABC+ Warranty • Advantage HCI • Ark Insurance Group Ltd • Build Assure New Homes/Build Assure 10 • Building Life Plans (BLP) • Build-Zone New Home Warranty • Checkmate Castle 10 Home Warranty • Global Home Warranties Ltd • Homeproof – formerly known as Aedis Warranties Ltd • International Construction Warranties Ltd (ICW) • Local Authority Building Control (LABC) New Home Warranty • NHBC • One Guarantee • Premier Guarantee • Protek • The Q Policy |
| Fleet Mortgages |
National House-Building Council Buildmark Scheme (NHBC), Premier Guarantee for Private Housing and Completed Housing, Building Life Plans Scheme, Build Zone, LABC Warranty, and ICW Warranty Scheme, Q Policy, Checkmate, Global Home Warranties (GHW), Protek, Homeproof, ABC+ Warranty, One Guarantee, Ark Group New Residential Warranty Insurance Scheme, Advantage and Build Assure. Please note that any warranty must have been issued following periodic checks of the property during the construction or conversion process, warranties issued retrospectively are not acceptable. |
| Foundation Home Loans |
ABC+ Warranty Advantage (ADHCI) Aedis Warranties Limited Architects Certificate (RIBA), with appropriate current professional Indemnity insurance. Ark Insurance Build Assure Building Life Plans - you must request and receive confirmation from BLP that the sum insured is adequate when compared to the rebuilding costs. The certificate must not contain any reservations. Build Zone Castle 10 Casualty General Insurance Company Europe (CGICE) Chartered Building Surveyors Certificate, or Architect's Certificate (RICS/RIBA) with appropriate current professional indemnity insurance. Checkmate Global Home Warranties International Construction Warranties (“ICW”) LABC NHBC One Guarantee Premier Guarantee, but the certificate must not contain any reservations Protek - New Home, Custom Build, Self-Build and Completed Housing Q Build Assure Schemes underwritten by Elite Insurance but administered by other providers. Zurich Municipal All other warranty schemes must be referred to us, see 1.11a. The level of cover under the warranty must be sufficient to meet the full costs of repairing any defects covered under the warranty. |
| Furness Building Society |
NHBC, Premier Guarantee, Buildzone, Checkmate, Protek, LABC New Home Warranty (only on individual new-build houses). Others are subject to referral to Centralised Mortgage Processing. |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H |
The following 10 year Structural Warranties are acceptable for new properties that have been built or renovated within the last 10 years: National House-Building Council Buildmark Scheme (NHBC) Zurich Municipal Newbuild Scheme Zurich Municipal Rebuild Scheme Premier Guarantee for Private and Completed Housing Build Assure (FMB) Building Life Plans Scheme Buildzone LABC Warranty LABC Warranty Scheme ICW Warranty Scheme One Guarantee Warranty Scheme Castle Ten / checkmate Global Home Warranties Protek Q Assure Advantage HCI |
| Godiva Mortgages Ltd |
NHBC Build Zone including Self Build Zone (excluding self-builds under construction) Premier Guarantee Building Life Plans (excluding self-builds under construction) LABC Castle 10/Checkmate (where outbuildings are included in the construction e.g. a detached garage, an endorsement to include these in the cover is required) The Q Policy for Residential Properties Build Assure (New Homes Structural Defects Insurance) Aedis Group Advantage HCI ICW Protek New Homes Warranty ARK Residential New Build Latent Defects Insurance ABC+ Global Home Warranties Limited (10 year Structural Defects Insurance Policy) One Guarantee The warranty must have been issued as a result of periodic checks of the property during the construction or conversion process – a retrospectively applied for and issued building warranty insurance is not acceptable. Refer all other warranty schemes to New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| Habito |
NHBC Zurich (provided the warranty is already in place, Armour Risk Management Limited must confirm that it will honour the warranty buildingguarantee@armourrisk.com). LABC Build Zone Premier Guarantee Building Life Plan Checkmate Castle Advantage Warranties Global Home Warranties The Q Policy Build Assure International Construction Warranties Protek |
| Halifax |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Halifax Loans Ltd |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Hampden & Co. plc |
The following 10 year Structural Warranties are acceptable for New Build / Self Builds/Renovations (including properties that were built or renovated within the last 10 years): NHBC, Advantage Home Construction Insurance, Aedis Warranties - Homeproof New Build 10 Residential Warranty, Aedis Warranties - Homeproof New Build 10 Residential Warranty for Self-Build, Ark Residential New Build Latent Defects Insurance, Build Assure (New Home Structural Defects insurance), Building Lifeplans Limited (BLP, Allianz Guarantee), Build Zone Ltd and BuildCare Combined Structural Warranty, Castle 10 (Checkmate), CRL New Build 10 year structural defects insurance policy for residential policy (up to £5m cover only), International Construction Warranties Limited, Ward Cole (12 year structural warranty), LABC (New Home Warranty - not self build), One Guarantee, Trenwick International, Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11) if offered on a flat. Please note the level of cover available under the warranty will need to be sufficient to meet full, reasonable costs of repairing any defects covered under the warranty. |
| Handelsbanken |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations (including properties that were built or renovated within the last 10 years): NHBC (including NHBC Solo for self build); Zurich Municipal (including Zurich Self Build scheme for self build); Premier Guarantee (including LABC Hallmark & LABC New Home Warranties), but the certificate must not contain any 'reservations', i.e. items not covered by the individual policy; Building Life Plans. You must ask and receive confirmation from BLP that the sum insured is adequate when compared to the rebuilding costs, the certificate must not contain any 'reservations', i.e. items not covered by the individual policy; Buildzone Structural Warranty: Where the Property comprises a flat within a building, these warranties must also be available for all common parts (including the structure) of the building prior to completion of the loan. Any other new home warranty scheme will be considered on their merits and should be sent to whoever issued the offer/instructions, confirming sufficient cover is provided by the scheme offered equivalent or on a par with those listed above.. |
| Harpenden Building Society |
• ABC+ (10 Year) • Advantage AHCI • Ark • BLP (Building Life Plans) • Build Assure - FMB • Buildzone • Castle10/Checkmate • Global Home Warranty • Homeproof (Aedis) • ICW (International Construction Warranties) • LABC (Local Authority Building Control) • NHBC Buildmark • One Guarantee • Premier Guarantee • Protek • The Q Policy |
| Hinckley and Rugby Building Society |
NHBC Zurich Municipal. (Cover issued up to 30/09/09) Premier Guarantee Protek One Guarantee Building Life Plans (Not for self-builds under construction) LABC New Home Warranty. Castle 10 New Home Warranty. Build Assure New Housing Warranty. Q Assure Build Ltd - Q Policy. Checkmate Castle 10 (out buildings must be included) Global Home Warranties - Structural Defects Insurance. Ark Residential New Build Latent Defects Insurance. Outbuildings must be covered by endorsement. Aedis Homeproof New Build 10 and Homeproof Self Build 10. New house warranties. Other new home warranty schemes will be considered on their merits, and details should be sent to Principal Office, Mortgage Department, Advances Section. |
| Hodge |
The following schemes are acceptable BUT YOU WILL BE REQUIRED TO CHECK THAT THE LEVEL OF COVER AVAILABLE UNDER THE WARRANTY WILL BE SUFFICIENT TO MEET THE REBUILDING COST OF THE PROPERTY. A calculation will be necessary when the proposed security forms part of a continuous structure: • NHBC • LABC New Home Warranty • Homeproof (Formerly AEDIS): There must be no more than 20 units in the structure • Advantage HCI New Build Scheme - 10 year structural defects insurance policy for residential property – no more than 10 units within one structure • BLP(Formerly known as Building Life Plan). • Build Zone • CADIS New Build Warranty Scheme • Checkmate’s Castle 10 • Global Warranties Ltd - 10 year Structural Defects Insurance Policy • International Construction Warranty (ICW) • One Guarantee • Premier Guarantee • Protek New Home Warranty Policy • The Q Policy - Structural Defects Insurance Residential Policy • Thomas Miller |
| Hodge Equity Release |
The following schemes are acceptable BUT YOU WILL BE REQUIRED TO CHECK THAT THE LEVEL OF COVER AVAILABLE UNDER THE WARRANTY WILL BE SUFFICIENT TO MEET THE REBUILDING COST OF THE PROPERTY. A calculation will be necessary when the proposed security forms part of a continuous structure: • NHBC • LABC New Home Warranty • Homeproof (Formerly AEDIS): There must be no more than 20 units in the structure • Advantage HCI New Build Scheme - 10 year structural defects insurance policy for residential property – no more than 10 units within one structure • BLP(Formerly known as Building Life Plan). • Build Zone • CADIS New Build Warranty Scheme • Checkmate’s Castle 10 • Global Warranties Ltd - 10 year Structural Defects Insurance Policy • International Construction Warranty (ICW) • One Guarantee • Premier Guarantee • Protek New Home Warranty Policy • The Q Policy - Structural Defects Insurance Residential Policy • Thomas Miller |
| Holmesdale Building Society |
NHBC Zurich Municipal Foundation 15 |
| HSBC UK Bank plc |
• ABC+ Warranty • Advantage HCI • Ark Insurance Group Ltd • Build Assure New Homes/Build Assure 10 • Building Life Plans (BLP) • Build-Zone New Home Warranty • Checkmate Castle 10 Home Warranty • Global Home Warranties Ltd • Homeproof – formerly known as Aedis Warranties Ltd • International Construction Warranties Ltd (ICW) • Local Authority Building Control (LABC) New Home Warranty • NHBC • One Guarantee • Premier Guarantee • Protek • The Q Policy |
| Intelligent Finance |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Investec Bank plc |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations (including properties that were built or renovated within the last 10 years): Buildmark Certificate NHBC Agreement Zurich Municipal Guarantee Other appropriate and market acceptable warranty cover may be considered by the Bank. |
| ITL Mortgages |
NHBC Build Zone including Self Build Zone (excluding self-builds under construction) Premier Guarantee Building Life Plans (excluding self-builds under construction) LABC Castle 10/Checkmate (where outbuildings are included in the construction e.g. a detached garage, an endorsement to include these in the cover is required) The Q Policy for Residential Properties Build Assure (New Homes Structural Defects Insurance) Aedis Group Advantage HCI ICW Protek New homes warranty ARK Residential New Build Latent Defects Insurance ABC+ Global Home Warranties Limited (10 year Structural Defects Insurance Policy) One Guarantee The warranty must have been issued as a result of periodic checks of the property during the construction or conversion process – a retrospectively applied for and issued building warranty insurance is not acceptable. Refer all other warranty schemes to New Lending Department, Oakfield House, PO Box 600, Binley, Coventry, CV3 9YR |
| JPMorgan Chase Bank, N.A. |
NHBC Zurich Municipal Premier Guarantee |
| Kensington Mortgage Company Ltd |
NHBC, Architects Certificate (Professional Consultant's Certificate), Zurich Municipal, Premier Guarantee, BLP Limited Guarantees, Checkmate Castle 10, LABC New Home Warranty, Build Zone, Advantage HCI, HomeProof, Build Zone, Global Home Warranties, International Construction Warranties (ICW), Protek, Ark, One Guarantee and ABC+ and Q Assure. Other new home warranty schemes may be considered on their merits, and details should be sent to the address at 1.11a |
| Kent Reliance (a trading name of OneSavings Bank plc) |
Advantage; HomeProof; Ark Residential New Build Warranty; BOPAS (Build Offsite Property Assurance Scheme); Build Assure (New Homes Structural Defects Insurance); Build Zone Structural Warranty; Building Life Plan; Checkmate Castle 10 New Home Warranty; Global Home Warranties; ICW; LABC New Home Warranty; N.H.B.C. guarantee; One Guarantee; Premier Guarantee Scheme; Protek; Q Policy; UK FINANCE Compliant Professional Consultants Certificate with proof of PI; Zurich Municipal; For developments previously holding a CRL warranty, a retrospective warranty will be accepted from one of the above providers subject to a site survey having been undertaken by the new warranty provider at the time the retrospective warranty was underwritten. |
| Keystone Property Finance |
NHBC Certificate, Zurich Municipal Policy, Premier Guarantee, Build Life Plans, Build Zone, Castle 10 (Checkmate), Local Authority Building Control (LABC), Build Assure, One Guarantee, Aedis Warranties Ltd, Ark Residential Latent Defects Insurance, Global Home Warranties, The Q Policy, International Construction Warranties (ICW), Advantage Home Construction Insurance (AHCI) Limited, Protek, ABC+ 10 Year structural warranty Please refer to the contact point detailed in 1.11a for Architect and other bodies supervision certificates we accept. All other warranty schemes must be referred to contact details in 1.11a The level of cover under the warranty must be sufficient to meet the full costs of repairing any defects covered under the warranty. |
| Landbay Partners Limited |
The acceptable schemes are listed below: ARK ACHI Limited/Advantage HCI Limited AEDIS/Home Proof Structural Warranties BLP New Build Warranty Scheme Build - Zone Checkmate UK Global Homes ICW (International Construction Warranties) LABC NHBC Premier Guarantee, the certificate must contain no reservations Protek Q Policy (new build) Zurich Municipal |
| Landmark Mortgages Limited |
NHBC Zurich Municipal Premier Guarantee Building Life Plans Building Zone Limited Local Authority Building Control New Home Warranty |
| Leeds Building Society |
• ABC+ • Advantage HCI • AEDIS • Ark • Build Assure • Building Life Plan (BLP) • Build Zone • Castle 10 (Sometimes called Checkmate) • Global Home Warranties 10 Year Structural Defects Insurance Policy • ICW (International Construction Warranties) • LABC • NHBC • One Guarantee • Premier • Protek • Q Policy • Zurich Municipal Scheme (for cover issued up to 30 September 2009) • A Professional Consultants Certificate (PCC) may be accepted provided it is signed by a corporate member of the CIAT, RIBA, RICS, MICE or MIStructE and accompanied by evidence of Professional Indemnity cover. |
| Legal & General Home Finance Ltd |
1.National House-Building Council (NHBC)Buildmark scheme. 2.Premier Guarantee (including LABC Hallmark and LABC New Home Warranties) 3.Building Life Plans Ltd 4.Checkmate 5.International Construction Warranties (ICW) 6. Homeproof (formally known as Aedis Warranties Ltd) 7. Q Assure Build Ltd. 8. Advantage HCI 9. Buildzone 10. Protek 11. Ark Insurance Group 12. One Guarantee 13. Global Home Warranties 14. ABC+ Warranty 15. Build Assure (FMB Insurance) 16. Cadis All other new home warranty schemes will be considered and details should be sent to instructing solicitors / Underwriting Department. |
| LendInvest |
ABC+ Warranty Advantage (ADHCI) Aedis Warranties Limited Architects Certificate (RIBA), with appropriate current professional Indemnity insurance. Ark Insurance Build Assure Building Life Plans - you must request and receive confirmation from BLP that the sum insured is adequate when compared to the rebuilding costs. The certificate must not contain any reservations. Build Zone Castle 10 Casualty General Insurance Company Europe (CGICE) Chartered Building Surveyors Certificate, with appropriate current professional indemnity insurance. Checkmate Global Home Warranties International Construction Warranties (“ICW”) LABC NHBC One Guarantee Premier Guarantee, but the certificate must not contain any reservations Protek - New Home, Custom Build, Self-Build and Completed Housing Q Build Assure Schemes underwritten by Elite Insurance but administered by other providers. Zurich Municipal The level of cover under the warranty must be sufficient to meet the full costs of repairing any defects covered under the warranty. |
| LiveMore Capital |
• ABC+ • Advantage HCI • Aedis Homeproof Structural Warranties • Building Life Plans • Build Zone • Castle 10 • CMLC Ltd • CRL Management Limited approved companies, to include but not be limited to Alpha Insurance • International Construction Warranties (ICW) • LABC Warranty (who partner with Local Authority Building Control) but provide warranties for non-local authority builds too • National House-Building Council (NHBC) • One Guarantee • Premier Guarantee for Private Housing and Premier Guarantee for Completed Housing • Protek • Q Assure Build Ltd • Zurich 10 (new build or conversion) |
| Lloyds Bank plc pre fixed 20/40 |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Lloyds Bank plc pre fixed 50/30/77 |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Lloyds TSB Scotland plc |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| M&S Bank |
• Advantage HCI • Aedis Warranties Ltd • Build Assure New Homes / Build Assure 10 • Building Life Plans (BLP) • Build-Zone New Home Warranty • Checkmate Castle 10 Home Warranty • Global Home Warranties Ltd • International Construction Warranties Ltd (ICW) • Local Authority Building Control (LABC) New Home Warranty • NHBC • Premier Guarantee • Protek • The Q Policy • Zurich Municipal |
| Magellan Homeloans |
NHBC Premier Guarantee Buildzone BLP LABC Zurich Checkmate CRL Certificate |
| Manchester Building Society | NHBC. |
| Market Harborough Building Society | Properties built within the previous 10 years provided they have the benefit of an NHBC Certificate, Premier Guarantee, Building Life Plan, LABC New Home Warranty or an Architect’s or Chartered Surveyor’s Certificate. If such certificates are not available, loans of up to 33.33% only may be made subject to receipt of a satisfactory building survey report and other criteria being met. Warranties from providers not on the approved list can be accepted subject to the agreement of the Head of Mortgages or Credit Committee. |
| Masthaven Bank | NHBC, Zurich, BLP, LABC New Home Warranty, Checkmate, Build Assure, Build Zone, Premier Guarantee, CML Professional Consultant's Certificate, AEDIS, ICW and Protek. |
| Metro Bank plc |
• ABC+ • Advantage Warranties • Ark Latent Defects Insurance • Build Assure • Build Zone • Building Life Plan • Checkmate Castle • Compariqo • Global Home Warranties • Homeproof / Titan (formally Aedis Warranties) • International Construction Warranties • LABC - New Home Warranty • NHBC • One Guarantee • Premier Guarantee • Protek • The Q Policy |
| ModaMortgages |
Properties aged less than 10 years must benefit from one of the following warranties, which must exist upon completion of the property and cannot be applied retrospectively. • Advantage HCI • Aedis Warranties Ltd • Build Assure • Building Life Plans • Buildzone • Checkmate (Castle 10) • International Construction Warranties (ICW) • LABC • NHBC Guarantee • Premier Guarantee Scheme • Professional Consultants Certificate (previously an Architect’s Certificate) • Protek • The Q Policy • BOPAS (Build Offsite Property Assurance Scheme) (Modern Methods of Construction) • Global Home Warranties • Ark Residential New Build Warranty • Zurich Municipal “New Build” (valid until 30/09/09) • One Guarantee |
| Molo Finance |
- ABC+ - Advantage - Aedis Warranties Ltd - Ark Insurance - Build Assure - Build Life Plans - Build Zone - Checkmate / Castle 10 - Global Home Warranties - ICW - LABC - NHBC - One Guarantee - Premier Guarantee - Protek - Q Assure - Zurich Municipal Where the Property comprises a flat within a building, these warranties must also be available for all common parts (including the structure) of the building prior to completion of the loan. |
| Monmouthshire Building Society |
NHBC, HAPM, Zurich Municipal (provided there is already a warranty in place or the property is on a development which has already commenced. In both cases, Zurich must confirm that it will honour the warranty.) LABC New Home Warranty, Premier Guarantee, Proteck Architect Supervised, Professional Consultants Scheme Build Zone 10 year warranty Castle 10 (where outbuildings such as detached garage are also being constructed an endorsement to include these in cover is required). Build Assure (New Home Structural Defects Insurance). CRL – 10 Year Structural Defects Insurance Policy for Residential Property, International Construction Warranties (ICW), The Q Policy, Aedis Warranties Ltd Homeproof New Build 10 Residential Warranty and Homeproof New Build 10 Residential Warranty for Self-Build. One Guarantee Ark Residential New Build Latent Defects Insurance. Building Life Plans (BLP - excludes self builds under construction) |
| Mortgage Agency Services |
NHBC; Zurich Municipal; Premier Guarantee; Building Life Plans; LABC Hallmark; Castle 10 (Checkmate); FMB Latent Defects; Build-Zone; Q Assure Build (Q Policy for Residential Properties); International Construction Warranties (ICW); HomeProof New Build 10 (formerly AEDIS HomeProof New Build 10) One Guarantee; Advantage Home Construction Insurance (AHCI Limited); Ark Residential New Build Latent Defects Insurance. |
| Mortgage Express |
The National House Building Council (NHBC) Buildmark scheme; the Housing Association Property Mutual (HAPM) scheme; the Premier Guarantee for Private Housing and Completed Housing; the Building LifePlans scheme; LABC New Home Warranty LABC New Home Warranty |
| Mortgage Express No 2 | |
| MPowered Mortgages |
Acceptable providers for both Owner occupier and BTL include: • Advantage HCI • Aedis Warranties Ltd • Build Assure • Build Zone New Home Warranty • Checkmate Castle 10 Home Warranty • Global Homes Warranties • International Construction Warranties Ltd • Local Authority Building Control (LABC) New Home Warranty • NHBC • One Guarantee Ltd • Protek • Premier Guarantee • Castle 10 (Checkmate) • The Q Policy and Zurich Municipal In addition to the above for owner occupier we will also accept ICW In addition to the above for BTL we will also accept Building Life Plans Please refer to the contact point detailed on 1.11a for Architect and other bodies supervision certificates we accept. A UK Finance compliant Professional Consultants Certificate(PCC) may also be accepted in respect of developments of less than 11 in total where: Appropriate PII cover is in place in favour of the applicant which is transferable to the lender. It is signed by a qualified architect who is a corporate member if RIBA or a qualified chartered building surveyor who is a corporate member(FRICS or MRICS) of the RICS. Confirmation exists that the entire project has been supervised by the relevant consultant. It must not be a retrospective certificate. Self build/stage release properties are not acceptable. All other warranty schemes must be referred to See 1.11a The level of cover under the warranty must be sufficient to meet the full costs of repairing any defects covered under the warranty. |
| National Counties Building Society |
National House-Building Council (NHBC) Buildmark scheme Zurich Municipal Newbuild scheme Zurich Municipal Rebuild scheme Housing Association Property Mutual (HAPM) scheme Premier Guarantee for Private Housing and Completed Housing Building LifePlans scheme Build Assure (New Homes Structural Defects Insurance) LABC New Home Warranty Checkmate/Castle 10 (where outbuildings, such as a detached garage, are included in the construction, an endorsement to include these in the cover is required) Buildzone International Construction Warranties (ICW) Ark Residential New Build Latent Defects Insurance Advantage HCI - There must be no more than 10 units in any continuous structure Any other scheme must be referred to the Loans Underwriting Department, Epsom for approval. |
| National Westminster Bank plc | The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations (including properties that were built or renovated within the last 10 years): NHBC, Zurich Municipal, Building Lifeplans Limited (BLP, Allianz Guarantee), Build Zone Ltd, BuildCare Combined Structural Warranty, Ward Cole (12 year structural warranty), LABC(New Home Warranty - not self build) Trenwick International, Castle 10 New Home Warranty, Build Assure (New Homes Structural Defects Insurance), Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11) if offered on a flat. Global Home Warranties, The Q Policy, BOPAS Accreditation (Buildoffsite Property Assurance Scheme), Protek New Home Warranty, Aedis Group Homeproof Structural Warranties, Advantage Warranty, International Construction Warranties, Ark Residential New Build Latent Defects Insurance, ABC+, One Guarantee, CADIS. |
| Nationwide Building Society |
- NHBC - LABC - Premier Guarantee - One Guarantee - ABC+ - BLP formerly known as Building Life Plan (excluding self builds under construction). These policies are underwritten by Allianz Global but written by BLP. - Build Assure (New Home Structural Defects Insurance) - Build-zone - CADIS - Checkmate's Castle 10 (where out buildings such as a detached garage are also being constructed an endorsement to include these in cover is required). - Global Home Warranties (Structural Defects Insurance) - The Q Policy for Residential Properties - The Q Policy for Bespoke Properties (detached only) - Protek - Advantage - International Construction Warranties (ICW). (If the property has a flat roof greater than 10sqm an endorsement will be required to include it in the cover). - Ark Residential New Build Latent Defects Insurance. Where a detached garage/outbuilding has been constructed at the same time as the main building the policy must include an endorsement confirming cover for the detached garage/outbuilding. - Homeproof (formerly Aedis) - TMSC - CRL new build 10 year structural defects insurance policy for residential property: Nationwide will only accept a CRL new build 10 year structural defects insurance policy in the following circumstances: a) The final certificate is dated 04/09/2019 or earlier, and the Underwriter is International General Insurance Company (UK) Ltd (IGI) or CGICE b) The final certificate is dated 05/09/2019 or later, and the underwriter is International General Insurance Company (UK) Ltd (IGI) and the final certificate has been signed by Ark Insurance Group Ltd. Please note Arks final certificates are titled: ‘10 year Structural Defect Insurance Policy’. For clarity all final certificates signed off by Ark are proof that the warranty is acceptable. Refer all other warranty schemes to Issuing Office |
| Nedbank Private Wealth Ltd |
NHBC Building Life Plan Build Assure (New Homes Insurance) Premier Guarantee LABC New Home Warranty Build Zone Structural Warranty Zurich Municipal Checkmate Castle 10 New Home Warranty Global Home Warranties 10 Year Structural Defects Insurance Policy CRL New Build 10 Year Structural Defects Insurance ICW New Build Structural Defects Insurance Policy Any other new home warranty scheme will be considered on their merits and should be sent to whoever issued the offer/instructions, confirming sufficient cover is provided by the scheme offered. |
| New Street Mortgages |
NHBC, Architects Certificate (Professional Consultant's Certificate), Zurich Municipal, Premier Guarantee, BLP Limited Guarantees, Checkmate Castle 10, LABC New Home Warranty, Build Zone and CRL. Certificates must not contain any "reservations" i.e. items not covered by the individual policy. |
| NRAM Ltd |
NHBC Zurich Municipal Premier Guarantee Building Life Plans Building Zone Limited Local Authority Building Control New Home Warranty |
| Paragon Buy to Let Mortgages |
ABC+ Advantage Home Construction Insurance AEDIS/HomeProof Warranties Ltd ARK Residential New Build Latent Defects Insurance Build Assure (New Homes Structural Defects Insurance) Build-Zone Structural Warranty Building Life Plan (BLP) CRL (no longer trading): Only policies backed by CGICE or ARK are still acceptable. Checkmate Castle 10 New Home Warrant Global Home Warranties 10 Year Structural Defects Insurance ICW (International Construction Warranties) LABC New Home Warranty NHBC One Guarantee Premier Guarantee Protek The Q Policy Zurich Municipal Where the Property comprises a flat within a building, these warranties must also be available for all common parts (including the structure) of the building prior to completion of the loan |
| Paragon Residential Owner-Occupied Mortgages | Advantage HCI; AEDIS Warranties Ltd; Build Assure (New Homes Structural Defects Insurance); Build-Zone Structural Warranty; Building Life Plan (BLP); CRL (Excluding Policies underwritten by Alpha); Checkmate Castle 10 New Home Warrant; Global Home Warranties 10 Year Structural Defects Insurance; ICW (International Construction Warranties); LABC New Home Warranty; NHBC; One Guarantee; Premier Guarantee; Protek; The Q Policy; Zurich Municipal. |
| Paratus AMC Ltd |
ABC+ Warranty Advantage (ADHCI) Aedis Warranties Limited Architects Certificate (RIBA), with appropriate current professional Indemnity insurance. Ark Insurance Build Assure Building Life Plans - you must request and receive confirmation from BLP that the sum insured is adequate when compared to the rebuilding costs. The certificate must not contain any reservations. Build Zone Chartered Building Surveyors Certificate, with appropriate current professional indemnity insurance. Checkmate Castle 10 Global Home Warranties International Construction Warranties (“ICW”) LABC NHBC One Guarantee Premier Guarantee, but the certificate must not contain any reservations Protek - New Home, Custom Build, Self-Build and Completed Housing Q Build Assure Schemes underwritten by Elite Insurance but administered by other providers. Zurich Municipal All other warranty schemes must be referred to New Business Department, Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA Email: FHL@foundationhomeloans.co.uk Tel: 01344 770 8033. The level of cover under the warranty must be sufficient to meet the full costs of repairing any defects covered under the warranty. |
| Parity Trust |
As a minimum, a certificate issued by an architect registered with the Architects Registration Board and holding adequate and current professional indemnity cover will be required for a new property. There are no restrictions on an architect certifying his/her own property. Where appropriate, other forms of new homes warranty such as NHBC, Premier Guarantee or LABC may also be acceptable, but any others should be referred to the Society. A Local Authority Building Regulations Practical COmpletion Certificate or verification from a Chartered Building Surveyor may be acceptable in certain circumstances, but these should first be referred to Parity Trust, as 1.7 |
| Pepper Money | NHBC Guarantee, Build-Zone, Zurich Municipal Guarantee, Architects Completion Certificate or Premier Guarantee/LABC Warranty are all acceptable to Pepper Money. Other warranty schemes may be considered on a case by case basis and details should be sent to Pepper Money Completions department. Tel No 0333 370 1101 or email lendingenquiries@pepper.money |
| Pepper Money (PUK) | NHBC Guarantee, Build-Zone, Zurich Municipal Guarantee, Architects Completion Certificate or Premier Guarantee/LABC Warranty are all acceptable to Pepper Money. Other warranty schemes may be considered on a case by case basis and details should be sent to Pepper Money Completions department. Tel No 0333 370 1101 or email lendingenquiries@pepper.money |
| Perenna |
The following home warranty schemes (or alternative) are acceptable: - o N.H.B.C. Guarantee o Premier Guarantee Scheme o Building Life Plan o LABC New Home Warranty o Checkmate Castle 10 New Home Warranty o Build Assure (New Homes Structural Defects Insurance) o Build Zone Structural Warranty o Zurich Municipal o UK FINANCE Compliant Professional Consultants Certificate with proof of PI o Advantage o Aedis Warranties o Global Home Warranties o Protek o ICW - Ark Residential New Build Warranty. - The Q Policy. - One Guarantee. |
| Platform (a trading name of The Co-operative Bank p.l.c.) | NHBC; Zurich Municipal; Premier Guarantee; Building Life Plans; LABC Hallmark; Castle 10 (Checkmate); FMB Latent Defects; Build Zone; Q Assure Build (Q Policy for Residential Properties); International Construction Warranties (ICW); HomeProof New Build 10 (formerly AEDIS HomeProof New Build 10); One Guarantee; Advantage Home Construction Insurance (ACHI Limited); Ark Residential New Build Latent Defects Insurance. |
| Precise Mortgages (Charter Court Financial Services Ltd) |
• Advantage • HomeProof • Ark Residential New Build Warranty • BOPAS (Build Offsite Property Assurance Scheme) • Build Assure (New Homes Structural Defects Insurance) • Buildzone Structural Warranty • Building Life Plan • Checkmate (Castle 10) New Home Warranty • Global Home Warranties • International Construction Warranties (ICW) • LABC New Home Warranty • N.H.B.C. guarantee • One Guarantee • Premier Guarantee Scheme • Protek • Q Policy • UK FINANCE Compliant Professional Consultants Certificate with proof of PI; • Zurich Municipal For developments previously holding a CRL warranty, a retrospective warranty will be accepted from one of the above providers subject to a site survey having been undertaken by the new warranty provider at the time the retrospective warranty was underwritten. New Builds / conversions / converted properties may be considered. For New Build (previously unoccupied) properties, the conveyancer will be required to obtain a completed Disclosure of Incentives Form (DIF). Where applicable, the underwriter must consider these details to ensure that there is no effect on the Offer provided. |
| Principality Building Society |
The following schemes are acceptable BUT YOU WILL BE REQUIRED TO CHECK THAT THE LEVEL OF COVER AVAILABLE UNDER THE WARRANTY WILL BE SUFFICIENT TO MEET THE REBUILDING COST OF THE PROPERTY. A calculation will be necessary when the proposed security forms part of a continuous structure: 1. NHBC 2. Zurich Municipal (for cover issued up to the 30/09/09) 3. HAPM 4. Premier Guarantee 5. Building Life Plans 6. LABC New Home Warranty 7. Checkmate / Castle 10 8. Build-Zone (Where out buildings such as a detached garage are also being constructed an endorsement to include these in cover is required). 9. International Construction Warranty (ICW) - Residential Warranty 10. Advantage HCI New Build Scheme - 10 year structural defects insurance policy for residential property. 11. Protek New Home Warranty Policy 12. AEDIS Warranties Ltd - Homeproof New Build 10 Residential Warranty and Homeproof New Build 10 Residential Warranty for Self Build 13. The Q Policy - Structural Defects Insurance Residential Policy 14. ABC+ Residential New Build Latent Defects 15. Global Warranties Ltd - 10 year Structural Defects Insurance Policy 16. Ark Residential New Build Latent Defects Insurance 17. One Guarantee Structural Indemnity Policy - New Residential Housing Unit 18. CADIS |
| Reliance Bank Ltd |
Refer to lender |
| Rooftop Mortgages Ltd | All necessary documentation to support potential claim shoul be placed with the title deeds. |
| Saffron Building Society |
Compariqo BW Build Warranty Group CADIS NHBC LABC Premier Guarantee ICW Limited Buildzone Castle 10/ Checkmate Buildassure One Guarantee Global Home Warranties Q Assure Protek Advantage HCI Ark Residential Insurance *Zurich (*historical) *BLP (*historical) are all acceptable. Please refer Warranties from any other provider. |
| Sainsbury's Bank |
An acceptable New Build/Self Build warranty must be in place for any property which has been built or converted in the last 10 years, or is to be occupied for the first time. Acceptable warranty schemes include; • NHBC Buildmark • NHBC Solo (discontinued for New Builds from 2016) • Zurich Municipal • Castle 10 New Home Warranty – provided by Checkmate • LABC New Home Warranty • Premier Guarantee for New HomesBuilding Life Plan Ltd • Buildzone • International Construction Warranties (ICW) - Residential New Build • The Q Policy for residential |
| Santander UK plc |
1 NHBC Buildmark 2 Premier Guarantee (New Homes; Self Build; Completed Housing) 3 BLP (Building Life Plans) residential housing warranty insurance (BLP Secure; BLP Secure Plus; TMSC) 4 BOPAS (Build Offsite Property Assurance Scheme) 5 LABC Warranty (New Homes; Self Build; Completed Housing) 6 Build Zone 10 year warranty (New Home; Self Build; Completed Housing; Basic) 7 Checkmate New Home Warranty (Castle 10; Knight 10) 8. Build Assure New Homes 10 year Structural Defects Insurance 9. Global Home Warranties 10 year Structural Defect Insurance 10. Q Assure Build (Q Policy for Residential Properties) 11. Aedis/Homeproof Structural Warranties (New Build 10; Self Build 10) 12. International Construction Warranties (ICW Residential New Build UK) 13. Protek (New Home; Custom Build; Self Build; Completed Housing) 14. Ark Residential New Build Latent Defects Scheme. 15. ABC+ 16. One Guarantee (New Home; Completed Home; Self Build; Conversion) 17. Advantage Structural Defects Insurance (ACHI) 18. Cadis 19. CIR (Construction Insurance Risk) |
| Scottish Building Society |
- NHBC - Checkmate's Castle 10 - HAPM - Premier Guarantee - Other warranty schemes to be referred to the Society on a case by case basis. |
| Scottish Widows Bank |
ABC+ Advantage HCI Aedis Warranties LTD Ark Insurance Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| Secure Trust Bank PLC |
• NHBC • Premier Guarantee • One Guarantee • BLP formerly known as Building Life Plans (excluding self-builds under construction); • Build Zone • LABC New Home Warranty • Build Assure (New Homes Structural Defects Insurance) • Checkmate/Castle 10 • International Construction Warranties (ICW) • AEDIS Group Homeproof Structural Warranties • Global Home Warranties Any other new home warranty schemes will be considered on their merits and should be sent to the address at 1.11. |
| Skipton Building Society |
ABC+ Aedis Warranties Ltd (HomeProof) Ark Insurance Group Ltd BLP (Building Life Plans) Build Assure / FMB Insurance Build -Zone CADIS Castle 10 Checkmate Global Home Warranties Ltd International Construction Warranties (ICW) LABC NHBC One Guarantee Premier Guarantee Protek. The Q Policy for Residential Properties, Bespoke Properties & Completed Properties Thomas Miller Specialty Construction |
| St James Place Bank |
NHBC (including NHBC Solo for self build) Zurich Municipal (including Zurich Self Build scheme for self build) Premier Guarantee (including LABC Hallmark & LABC New Home Warranties), but the certificate must not contain any 'reservations', i.e. items not covererd by the individual policy. Building Life Plans You must ask and receive confirmation from BLP that the sum insured is adequate when compared to the rebuilding costs; The certificate must not contain any 'reservations', i.e. items not covererd by the individual policy. Castle 10 - provided by Checkmate We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. Please note we do not require cover under a Building Standards Indemnity Scheme or architect supervision for newly converted properties. |
| State Bank of India UK |
Please note that a minimum property reinstatement value is required. The acceptable schemes are listed below: ARK ACHI Limited/Advantage HCI Limited AEDIS/Home Proof Structural Warranties BLP New Build Warranty Scheme Build - Zone Checkmate UK Global Homes ICW (International Construction Warranties) LABC NHBC Premier Guarantee, the certificate must contain no reservations. Protek Q Policy (new build) Zurich Municipal Please refer to us for any other warranty provider as per section 1.11a |
| Swansea Building Society |
NHBC Zurich Municipal LABC New Home Warranty Premier Guarantee Castle 10 New Home Warranty Build-Zone FMB Insurance Services-Build Assure New Homes Structural Defects Insurance Aedis Warranties Limited One Guarantee CADIS New Build Warranty Scheme Advantage Insurance |
| The Mortgage Business |
ABC+ Advantage HCI Aedis Warranties/HomeProof Ark Insurance Build Warranty Group Building Life Plans (BLP) Buildzone Cadis Checkmate CIR Compariqo FMB Insurance/Build Assure Global Home Warranties International Construction Warranties (ICW) NHBC One Guarantee Premier Guarantee (including LABC Hallmark & LABC New Home Warranties) Protek Q Assure Thomas Miller We only require cover under a building standards indemnity scheme for a new property being occupied for the first time. |
| The Mortgage Lender Limited |
National House-Building Council Buildmark Scheme (NHBC), Zurich Municipal Newbuild Scheme, Premier Guarantee for Private Housing and Completed Housing and Building Life Plans Scheme. Other warranties may be accepted on a case by case basis, please contact us if the new home warranty scheme is not listed above; completions@themortgagelender.com Tel: 0344 257 0426 |
| The Mortgage Works |
NHBC, HAPM, LABC, ABC+,Premier Guarantee, BLP formerly known as Building Life Plan (excluding self builds under construction), Build-zone, Checkmate`s Castle 10 (where outbuildings such as a detached garage are also being constructed an endorsement to include these in cover is required), Build Assure (New Home Structural Defects Insurance), Global Home Warranties (Structural Defects Insurance), The Q Policy for Residential Properties, The Q Policy for Bespoke Properties (detached only), Advantage (Note: there must be no more than 10 units in any continuous structure), CADIS Protek, One Guarantee, International Construction Warranties (ICW). If the property has a flat roof greater than 10sqm an endorsement will be required to include it in the cover. Ark Residential New Build Latent Defects Insurance (where a detached garage/outbuilding has been constructed at the same time as the main building the policy must include an endorsement confirming cover for the detached garage/outbuilding), Homeproof (formerly Aedis) TMSC CRL new build 10 year structural defects insurance policy for residential property:TMW will only accept a CRL new build 10 year structural defects insurance policy in the following circumstances: a) The final certificate is dated 04/09/2019 or earlier, and the Underwriter is International General Insurance Company (UK) Ltd (IGI) or CGICE b) The final certificate is dated 05/09/2019 or later, and the underwriter is International General Insurance Company (UK) Ltd (IGI) and the final certificate has been signed by Ark Insurance Group Ltd. Please note Arks final certificates are titled: ‘10 year Structural Defect Insurance Policy’. For clarity all final certificates signed off by Ark are proof that the warranty is acceptable. Refer all other warranty schemes to Issuing Office. |
| The Royal Bank of Scotland plc |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations(including properties that were built or renovated within the last 10 years): NHBC,Zurich Municipal, Building Lifeplans Limited (BLP,Allianz Guarantee), Build Zone Ltd, BuildCare Combined Structural Warranty, Ward Cole (12 year structural warranty), LABC(New Home Warranty - not self build) Trenwick International, Castle 10 New Home Warranty, Build Assure (New Homes Structural Defects Insurance), Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11a) if offered on a flat. Global Home Warranties, The Q Policy, BOPAS (Buildoffsite Assurance Scheme), Protek New Home Warranty, Aedis Group Homeproof Structural Warranties, Advantage Warranty, International Construction Warranties, Ark Residential New Build Latent Defects Insurance, ABC+, One Guarantee, CADIS. |
| The Royal Bank of Scotland plc Direct Line Mortgages |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations(including properties that were built or renovated within the last 10 years): NHBC, Zurich Municipal Building Lifeplans Limited (BLP,Allianz Guarantee), Build Zone Ltd, BuildCare Combined Structural Warranty, Ward Cole (12 year structural warranty), LABC(New Home Warranty - not self build) Trenwick International, Castle 10, Build Assure (New Homes Structural Defects Insurance), Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11a if offered on a flat.) Global Home Warranties, The Q Policy, BOPAS (Buildoffsite Property Assurance Scheme), Protek New Home Warranty, Aedis Group Homeproof Structural Warranties, Advantage Warranty, International Construction Warranties, Ark Residential New Build Latent Defects Insurance. |
| The Royal Bank of Scotland plc Direct Line One |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations(including properties that were built or renovated within the last 10 years): NHBC, Building Lifeplans Limited (BLP, Allianz Guarantee), Build Zone Ltd, BuildCare Combined Structural Warranty, Ward Cole (12 year structural warranty), LABC(New Home Warranty - not self build) Trenwick International, Castle 10, Build Assure (New Homes Structural Defects Insurance), Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11a) if offered on a flat. Global Home Warranties, The Q Policy, BOPAS (Buildoffsite Property Assurance Scheme), Protek New Home Warranty, Aedis Group Homeproof Structural Warranties, Advantage Warranty, International Construction Warranties, Ark Residential New Build Latent Defects Insurance. |
| The Royal Bank of Scotland plc First Active |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations(including properties that were built or renovated within the last 10 years): NHBC, Zurich Municipal, Building Lifeplans Limited (BLP,Allianz Guarantee), Build Zone Ltd, BuildCare Combined Structural Warranty, Ward Cole (12 year structural warranty), LABC(New Home Warranty - not self build) Trenwick International, Castle 10 New Home Warranty, Build Assure (New Homes Structural Defects Insurance), Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11a) if offered on a flat. Global Home Warranties, The Q Policy, BOPAS (Buildoffsite Property Assurance Scheme), Protek New Home Warranty, Aedis Group Homeproof Structural Warranties, Advantage Warranty, International Construction Warranties, Ark Residential New Build Latent Defects Insurance. |
| The Royal Bank of Scotland plc Natwest one Account |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations(including properties that were built or renovated within the last 10 years): NHBC, Zurich Municipal, Building Lifeplans Limited (BLP,Allianz Guarantee), Build Zone Ltd, BuildCare Combined Structural Warranty, Ward Cole (12 year structural warranty), LABC(New Home Warranty - not self build) Trenwick International, Castle 10 New Home Warranty, Build Assure (New Homes Structural Defects Insurance), Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11a) if offered on a flat. Global Home Warranties, The Q Policy, BOPAS (Buildoffsite Property Assurance Scheme), Protek New Home Warranty, Aedis Group Homeproof Structural Warranties, Advantage Warranty, International Construction Warranties, Ark Residential New Build Latent Defects Insurance, Ark Residential New Build Latent Defects Insurance, ABC +, One Guarantee.. |
| The Royal Bank of Scotland plc One Account |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations(including properties that were built or renovated within the last 10 years): NHBC, Zurich Municipal, Building Lifeplans Limited (BLP,Allianz Guarantee), Build Zone Ltd, BuildCare Combined Structural Warranty, Ward Cole (12 year structural warranty), LABC(New Home Warranty - not self build) Trenwick International, Castle 10 New Home Warranty, Build Assure (New Homes Structural Defects Insurance), Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11a) if offered on a flat. Global Home Warranties, The Q Policy, BOPAS (Buildoffsite Property Assurance Scheme), Protek New Home Warranty, Aedis Group Homeproof Structural Warranties, Advantage Warranty, International Construction Warranties, Ark Residential New Build Latent Defects Insurance, Ark Residential New Build Latent Defects Insurance, ABC +, One Guarantee.. |
| The Royal Bank of Scotland plc Virgin One |
The following 10 year Structural Warranties are acceptable for New Builds/Self Builds/Renovations(including properties that were built or renovated within the last 10 years): NHBC, Zurich Municipal, Building Lifeplans Limited (BLP,Allianz Guarantee), Build Zone Ltd, BuildCare Combined Structural Warranty, Ward Cole (12 year structural warranty), LABC(New Home Warranty - not self build) Trenwick International, Castle 10 New Home Warranty, Build Assure (New Homes Structural Defects Insurance), Premier Guarantee for houses, but please refer to us (as detailed above in section 1.11) if offered on a flat. Global Home Warranties, The Q Policy, BOPAS (Buildoffsite Property Assurance Scheme), Protek New Home Warranty, Aedis Group Homeproof Structural Warranties, Advantage Warranty, International Construction Warranties, Ark Residential New Build Latent Defects Insurance, ABC +, One Guarantee. |
| The Tipton & Coseley Building Society |
• 10 Year Structural Protection Warranty issued by NHBC. • ARIBA Architect’s Certificate and transferable warranty issued by an architect who is a member of the Architects Registration Board. • MCIAT (Member of the Chartered Institute of Architectural Technologists) architects certificate and transferable warranty provided the individual architects qualifications has been seen and approved by the Society beforehand. • Building LifePlans Scheme. • Premier Guarantee. • LABC New Home Warranty. • Checkmate – Castle 10. • A fellow or member of the Royal Institution of Chartered Surveyors (FRICS or MRICS). • A fellow or member of the Institution of Structural Engineers (F.I.Struct.E or M.I.Struct.E). • A fellow or member of the Chartered Institute of Building (FCIOB or MCIOB). • A fellow or member of the Architecture and Surveying Institute (FASI or MASI). • A fellow or member of the Association of Building Engineers (FB.Eng or MB.Eng). • A fellow or member of the Institution of Civil Engineers (FICE or MICE). • Build-Zone 10-year warranty. • CML Professional Consultants Certificate. • CRL 10-year warranty. • Aedis Group Homeproof 10 year Structural Warranty • International Construction Warranty (ICW). |
| Together Personal Finance Limited | NHBC, Zurich Municipal, Premier Guarantee, Global Home Warranties Limited, Architect Certificate with satisfactory Professional Indemnity insurance to cover the Lender. |
| Topaz Finance Ltd |
NHBC Zurich Municipal Premier Guarantee |
| TSB Bank plc |
* NHBC * Premier Guarantee * Building Life Plans * LABC New Home Warranty * Castle 10 provided by Checkmate. * Buildzone. * Global Home Warranties. * International Construction Warranties. * Protek. * The Q Policy (Q assure) * Advantage HCI * Build Assure * One Guarantee * Aedis/ HomeProof * ABC+ * ARK * Thomas Miller Speciality Construction (TMSC) |
| Ulster Bank |
- NHBC - Zurich Municipal - Building Life Plans - Global Home Warranties - Checkmate/Castle 10 - Build Assure New Homes Structural Defects Insurance (Aon Benfield) - Premier Guarantee - The Q Policy for Residential Properties, Bespoke Properties & Completed Properties - ABC+ - One Guarantee. - Ark Residential New Build Latent Defects Insurance. |
| Vida Homeloans |
The following Structural Warranties are acceptable for New Builds (NOTE: Structural Warranties issued retrospectively are not acceptable to Vida) ABC+ Warranty Aedis Warranties Limited / HomeProof Advantage / Advantage HCI Build Assure Building Life Plans (BLP) Build Zone Castle 10 ( Checkmate) Global Home Warranties Limited ICW Warranty Local Authority Building Control (LABC) NHBC Certificate Premier Guarantee (provided the insurance cover offered is greater than, or equal to, the market value or insurance figure, whichever is the greater and the certificate must not contain any reservations) Protek Q Assure Build Limited / The Q Policy Zurich Municipal Policy Other new home warranty schemes may be considered on their merits, and details should be sent to the address at 1.11a. The level of cover under the warranty must be sufficient to meet the full costs of repairing any defects covered under the warranty. |
| Virgin Money |
• HomeProof (Aedis Group) • Advantage HCI • Build assure - FMB • Building Life Plans (BLP) • Thomas Miller Specialty Construction (TMSC) • Build Zone (including Self-Build Zone) • Castle 10/Checkmate (Lockton) • Global Home Warranties • ICW • Local Authority Building Control New Home Warranty (MD Insurance Ltd) • NHBC • Premier Guarantee • Protek • Q-assured |
| Whistletree (a trading name of TSB Bank plc) |
NHBC Premier Guarantee Building Life Plans Build Zone International Construction Warranties. |
| Yorkshire Bank Home Loans Ltd |
• HomeProof (Aedis Group) • Advantage HCI • Build assure - FMB • Building Life Plans (BLP) • Thomas Miller Specialty Construction (TMSC) • Build Zone (including Self-Build Zone) • Castle 10/Checkmate (Lockton) • Global Home Warranties • ICW • Local Authority Building Control New Home Warranty (MD Insurance Ltd) • NHBC • Premier Guarantee • Protek • Q-assured |
| Yorkshire Building Society |
We accept the following new home warranty schemes: * NHBC * Premier Guarantee * LABC * Building Life Plans (BLP). These policies are underwritten by Allianz Global but written by BLP. * Checkmate/Castle 10 (nb. where out buildings such as a detached garage are also being constructed an endorsement to include these in cover is required). * Build-Zone * Build Assure (New Home Structural Defects Insurance) * Global Home Warranties (Structural Defects Insurance) * The Q Policy for Residential Properties * The Q Policy for Bespoke Properties (detached only) * Protek * Advantage - There must be no more than 10 units in any continuous structure * International Construction Warranties (ICW) * Ark Residential New Build Latent Defects Insurance. Where a detached garage/outbuilding has been constructed at the same time as the main building, the policy must include an endorsement confirming cover for the detached garage/outbuilding * Aedis (nb. There must be no more than 20 units in the structure) * One Guarantee * HomeProof (nb. There must be no more than 20 units in the structure) |
| Zephyr Homeloans |
NHBC Build mark NHBC Solo Zurich Accepted provided that the warranty is already in place. Zurich (Armour Risk Management Limited) must confirm that it will honour the warranty. Castle 10 New Home Warranty LABC Premier Guarantee Certificate Build zone Buildings Life Plan Aedis Warranties Advantage/Advantage HCI International Construction Warranties ( ICW) Protek Build Assure/FMB Insurance Global Home Warranties Q Assure/Q Policy One Guarantee Certification by certain professional consultants may be accepted subject to it being in standard UK Finance format, where the property has been built/converted within the last 6 years. Architect’s certificates may also be accepted, if signed by a Qualified Architect, who is a corporate member of the Royal Institute of British Architects, or a Qualified Chartered Building Surveyor, who is a corporate member of the Royal Institution of Chartered Surveyors. Evidence of appropriate valid personal indemnity insurance will be required and the certificate must be for the benefit of the borrower(s). The Architect must confirm that they have supervised the whole project |