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Question: 6.7.1. What new home warranty schemes are acceptable to the lender?

Lender Answer
Accord Buy to Let Where the loan is explicitly identified in the Mortgage Offer as a Buy to Let purchase or remortgage, we do not accept properties classified as newly built and the property must have been occupied for a minimum period of 2 years prior to completion of our mortgage. In these cases we will accept the following:
* NHBC
* Zurich Municipal provided the
warranty is already in place.
Zurich must confirm that it will
honour the warranty
* Premier Guarantee
* LABC New Home Warrranty
* Building Life Plans (BLP)
* Checkmate/Castle 10
* Build-Zone
* HAPM
* Build Assure (New Home Structural Defects Insurance)
* Global Warranties (Structural Defects Insurance)
* The Q Policy for Residential Properties
* The Q Policy for Bespoke Properties (detached only)
* CRL new build 10 year structural defects insurance policy for residential property (NB: where the building was a newbuild and completed between August 2011 and May 2015 there must be no more than 10 units in the building; there is no limit on the number of units in a building that was converted during that time)
* Protek
* Advantage (Insurer: Elite Insurance Company). There must be no more than 10 units in any complete structure.
* Capital Warranties
* 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 a endorsement confirming cover for the detached garage/outbuilding.
Any other new home warranty scheme will be considered on their merits and details should be sent to: Accord Buy to Let, PO BOX 869, Newport, NP20 9GY.
Accord Mortgages Ltd * NHBC
* 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.
* Premier Guarantee
* LABC New Home Warranty
* Building Life Plans (BLP)
* Checkmate/Castle 10
* Build-Zone
* HAPM
* 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)
* CRL newbuild 10 year structural defects insurance policy for residential property. (NB: where the building was a newbuild and completed between August 2011 and May 2015, there must be no more than 10 units in the building; there is no limit on the number of units in a building that was converted during that time)
* Protek
* Advantage (Insurer: Elite Insurance Company). There must be no more than 10 units in any complete structure.
* Capital Warranties
* 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.
Any other new home warranty schemes will be considered on their merits and details should be sent to Lending Shared Services, Accord Mortgages, Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ DX 11798 Bradford.


















Any other new home warranty schemes will be considered on their merits and should be sent to Accord Mortgage Unit.
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).
•CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property.
•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).
•CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property.
•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 Advantage HCI
Aedis Warranties Limited
Build Assure
Build Life Plans
Build Zone
Capital Warranties
Castle 10
CRL Management Ltd
Global Home Warranties
International Construction Warranties (ICW)
LABC
NHBC
Premier Guarantee
Protek
Q Assure
Zurich Municipal

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
Atom Bank plc The following home warranty schemes (or alternative) are acceptable:-
• NHBC
• Zurich Municipal (properties built up to 2007)
• Premier Guarantee
• Building Life Plans, Building Zone,
• LABC New Home Warranty
• Checkmate Warranty
• Construction Register Limited
* ACHI Limited
* Aedis Warranties Limited
* International Construction Warranties Limited
* Q Assure Build Limited

• HAPM, 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 NHBC
Zurich
Premier
Building Life Plan
Build Zone
LABC
Checkmate/Castle 10
CRL
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
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 LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

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 LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

We only require cover under a building standards indemnity scheme for a new property being occupied for the first time.
Banks and Clients Plc NHBC, Premier Guarantee, Zurich, Trenwick International, Buildings Life Plans Ltd
Barclays Bank UK PLC - AEDIS Warranties Ltd
- Build Assure (New Homes Structural Defects Insurance)
- Build-Zone Structural Warranty
- Building Life Plan
- CRL 10 Year Structural Defects Insurance
- Checkmate Castle 10 New Home Warranty
- Global Home Warranties 10 Year Structural Defects Insurance
- LABC New Home Warranty
- NHBC
- Premier Guarantee
- ICW (International Construction Warranties)
- Advantage HCI
- Protek
- The Q Policy
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
Any other new home warranty schemes will be considered on their merits and details should be sent to whoever issued the offer/instructions.
Birmingham Midshires ABC+
Advantage HCI
Aedis Warranties LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

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, CRL Management Ltd, LABC New Home Warranty, Castle 10 provided by Checkmate, Build Assure, ICW (International Constructions Warranties), Aedis Warranties & The Q Policy
Bradford & Bingley Plc 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); Aedis Warranties Limited
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
Capital Home Loans NHBC
ZURICH
PREMIER
BUILDING LIFE PLANS
Please refer others.
Chelsea Building Society (a trading name of Yorkshire BS) We accept the following new home warranty schemes:
- NHBC
-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.
- Premier Guarantee
- Building Life Plans (BLP)
- LABC New Home Warranty
- Checkmate/Castle 10
- Build-Zone
- HAPM
- 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)
- CRL newbuild 10 year structural defects insurance policy for residential property.(NB: where the building was a newbuild and completed between August 2011 and May 2015 there must be no more than 10 units in the building; there is no limit on the number of units in a building that was converted during that time.
- Protek
- Advantage (Insurer: Elite Insurance Company) There must be no more than 10 units in any complete structure.
- Capital Warranties
- 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.
Any other new home warranty schemes will be considered on their merits and should be sent to Lending Shared Services, Chelsea Building Society, Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ DX 11798 Bradford.
Clydesdale Bank plc NHBC
Zurich Municipal please refer to “October 2009-Recent Notification Lenders
Handbook” )
HAPM
Premier Guarantee
Building Life Plans
LABC
Castle 10
Build-Zone
Co-operative Bank plc NHBC, Zurich Municipal, Premier Guarantee, Building Life Plans, LABC New Home Warranty, Hallmark New Home Warranty, Build Zone Structural Warranty, FMB Latent Defects and Checkmate Castle 10.
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):

•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).
•CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property.
•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.
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).
•CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property.
•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
• 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 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
CRL New Build 10 Year Structural Insurance Policy for Residential Property
ABC+
•Refer all other warranty schemes to New Lending Department, Godiva House, Binley Business Park, Harry Weston Road, Coventry, CV3 2TQ.
Cynergy Bank 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 Building Warranties - only accepted for owner occupied properties.
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
DB UK Bank Ltd NHBC
Zurich Municipal
Premier Guarantee
Dudley Building Society NHBC
Zurich Municipal
LABC
Premier Guarantee
Building Life Plans
Castle 10
Build Assure
Earl Shilton Building Society NHBC, LABC, Premier Guarantee, Building Life Plan.
Any others refer to Mortgage Dept at Head Office - Earl Shilton 01455 844 422
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)
CRL new build 10 year structural defects insurance policy for residential properties

Any other scheme must be referred to the Loans Underwriting Department, Epsom for approval.
Fleet Mortgages National House-Building Council Buildmark Scheme (NHBC), Zurich Municipal Newbuild Scheme, Zurich Municipal Rebuild Scheme, Premier Guarantee for Private Housing and Completed Housing,Building Life Plans Scheme, Build Zone, CRL Warranty Scheme, LABC Warranty, and ICW Warranty Scheme, Q Policy, Checkmate, Global Home Warranties (GHW), Advantage HCI, Protek, Aedis Warranties, ABC+ Warranty and Ark Group New Residential Warranty Insurance Scheme
Foundation Home Loans NHBC;
Zurich Municipal;
Architects Certificate (RIBA);
Chartered Building Surveyor's Certificate (RICS);
Premier Guarantee, but the certificate must not contain any reservations;
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;
Buildzone;
CRL Management Ltd (CRL) (provided it is not backed by Alpha Insurance);
Schemes underwritten by Elite Insurance but administered by other providers, currently
- International Construction Warranties (“ICW”)
- Advantage Insurance (“ADHCI”);
Build Assure; and
LABC.

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: 0344 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.
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.
Godiva Mortgages Ltd • 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 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
CRL New Build 10 Year Structural Defects Insurance Policy for Residential Property
ABC+
• Refer all other warranty schemes to New Lending Department, Godiva House, Binley Business Park, Harry Weston Road, Coventry, CV3 2TQ.
Halifax ABC+
Advantage HCI
Aedis Warranties LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

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 LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

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, 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), 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:

CRL Management Ltd (CRL).

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.
Harpenden Building Society NHBC
Zurich
Buildzone
LABC (Local Authority Building Control)
Premier Guarantee
Castle10/Checkmate
CRL (provided it is not underwritten by Alpha Insurance)
BLP (Building Life Plans)
ICW
ABC+ (10 Year Warranty Only)
Global Home Warranty
Hinckley and Rugby Building Society NHBC
Zurich Municipal. (Cover issued up to 30/09/09)
Premier 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)
CRL new build 10 year structural defects insurance policy for residential property.
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.
Holmesdale Building Society NHBC
Zurich Municipal
Foundation 15
HSBC Bank plc • 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
• CRL Management Ltd (Care: CRL Management Ltd warranties that are underwritten by Alpha Insurance are not acceptable)
• 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
HSBC UK Bank plc • 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
• CRL Management Ltd (Care: CRL Management Ltd warranties that are underwritten by Alpha Insurance are not acceptable)
• 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
Intelligent Finance ABC+
Advantage HCI
Aedis Warranties LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

We only require cover under a building standards indemnity scheme for a new property being occupied for the first time.
Investec Bank plc Please refer to Part 2, para 12.2 of Standing Instructions.
ITL Mortgages • 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 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
CRL New Build 10 Year Structural Defects Insurance Policy for Residential Property
ABC+
Refer all other warranty schemes to New Lending Department, Godiva House, Binley Business Park, Harry Weston Road, Coventry, CV3 2TQ.
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 and CRL.
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) NHBC
Building Life Plan
Premium Guarantee Scheme
Checkmate Castle 10
LABC New Home Warranty
Build-Zone Structural Warranty
Zurich Municipal
CRL (save for Alpha Insurance backed policies)


Keystone Property Finance NHBC certificate, Zurich Municipal Policy, Premier Guarantee, Build Life plans, Build Zone, Castle 10 (Checkmate), Local Authority Building Control and Build Assure. 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 Architects Certificate (RIBA) supported by suitable current professional indemnity cover
Checkmate UK
ICW (International Construction Warranties)
NHBC
Premier Guarantee, the certificate must contain no reservations
Zurich Municipal
ACHI/Vantage
CRL
Protek
AEDIS
Build - Zone
LABC

Landmark Mortgages Limited NHBC
Zurich Municipal
Premier Guarantee
Building Life Plans
Building Zone Limited
Local Authority Building Control New Home Warranty
Leeds Building Society • Advantage HCI
• AEDIS
• Build Assure
• Building Life Plan (BLP)
• Build Zone
• Castle 10 (Sometimes called Checkmate)
• CRL 10 Year Structural Defects Insurance Policy
• Global Home Warranties 10 Year Structural Defects Insurance Policy
• NHBC
• ICW (International Construction Warranties)
• LABC
• 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 BIAT, 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.Zurich Municipal Newbuild scheme (for policies issued up to 30/9/2009)
3.Premier Guarantee (including LABC Hallmark and LABC New Home Warranties)
4.Building LifePlans Ltd
5.Castle 10
6.International Construction Warranties (ICW)
7.CRL Management Ltd. (CRL)
8. Aedis Warranties Ltd.
9. Q Assure Build Ltd.
10. Advantage HCI
11. Buildzone

All other new home warranty schemes will be considered and details should be sent to instructing solicitors / Underwriting Department.
LendInvest National House-Building Council Buildmark Scheme (NHBC), Zurich Municipal Newbuild Scheme, Zurich Municipal Rebuild Scheme, Premier Guarantee for Private Housing and Completed Housing,Building Life Plans Scheme, Build Zone, CRL Warranty Scheme, LABC Warranty, and ICW Warranty Scheme, Q Policy, Checkmate, Global Home Warranties (GHW), Advantage HCI and Protek
Lloyds Bank plc pre fixed 20/40 ABC+
Advantage HCI
Aedis Warranties LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

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 LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

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 LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

We only require cover under a building standards indemnity scheme for a new property being occupied for the first time.
M&S Bank NHBC, Zurich Municipal Newbuildor or Rebuild, MD Insurance Services (Premier Guarantee), LABC New Home Warranty, BLP, Checkmate Castle 10 Home Warranty, Build-Zone New Home Warranty, Build Assure 10, Build Assure New Homes, Global Homes Warranties Ltd, The Q Policy, Protek, International Construction Warranties (ICW), Advantage HCl
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.
Metro Bank plc NHBC. Zurich. LABC. New Home Warranty.
Build Zone. Premier Guarantee.
CRL Management Ltd. Building Life Plan. Checkmate Castle, Advantage Warranties, Global Home Warranties, The Q Policy, Build Assure, International Construction Warranties, Protek, Aedis Warranties
Molo Finance Buy to Let Mortgages NHBC, LABC, Build Assure, Build Life Plans, Build Zone, Castle 10
CRL Management Limited, Premier Guarantee, Protek and 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, Building Life Plans (excludes self-builds under construction), 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.

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); Aedis Warranties Limited
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  
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)
CRL new build 10 year structural defects insurance policy for residential properties

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, CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property, 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.
Nationwide Building Society - NHBC
- LABC
- Premier Guarantee
- BLP formerly known as Building Life Plan (excluding self builds under construction). These policies are underwritten by Allianz Global but written by BLP.
- Build-zone
- 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).
- 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: There must be no more than 20 units in the structure.
- CRL new build 10 year structural defects insurance policy for residential property:
o New properties where the insurer is International General Insurance Company (UK) Ltd and Ark have signed the final certificate. Please see the final paragraph on the final certificate which will confirm Ark details and the fact they are signing on behalf of the insurers. Acceptable.
o New build properties underwritten by Alpha. Not acceptable.
o Second hand properties being sold by first or subsequent owner and property is under two years old, with the warranty underwritten by Alpha. Unacceptable.
o Second hand properties over two years old. 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
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 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; 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; Premier Guarantee; Protek; The Q Policy; Zurich Municipal.
Paratus AMC Ltd NHBC;
Zurich Municipal;
Architects Certificate (RIBA);
Chartered Building Surveyor's Certificate (RICS);
Premier Guarantee, but the certificate must not contain any reservations;
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;
Buildzone;
CRL Management Ltd (CRL) (provided it is not backed by Alpha Insurance);
Schemes underwritten by Elite Insurance but administered by other providers, currently
- International Construction Warranties (“ICW”)
- Advantage Insurance (“ADHCI”);
Build Assure; and
LABC.

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: 0344 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 Homeloans NHBC Guarantee, Build-Zone, Zurich Municipal Guarantee, Architects Completion Certificate or Premier Guarantee/LABC Warranty are all acceptable to Pepper Homeloans. Other warranty schemes may be considered on a case by case basis and details should be sent to Pepper Homeloans Completions department. Tel No 0333 370 1101 or email LendingEnquiries@pepperhomeloans.co.uk
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
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); Aedis Warranties Limited.
Precise Mortgages (Charter Court Financial Services Ltd) • N.H.B.C. guarantee
• Zurich Municipal
• Premier Guarantee Scheme
• Local Authority Building Control (LABC)
• Professional Consultants Certificate (previously an Architects Certificate). Detailed requirements are provided in section 6.7.4 of the Lender's Handbook. The issuing architect should have minimum professional indemnity insurance equivalent to the greater of £500,000 or the property value
• Building Life Plans (see detailed requirements in CML Lender's Handbook Part 2 section 6.7.4)
• Checkmate (Castle 10)
• Buildzone;
• International Construction Warranties (ICW)
• Advantage HCI
• Protek
• Aedis Warranties Ltd
• The Q Policy





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. 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 New Build - UK Policy version 6.
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. ICW (Sompo Canopius) Residential Warranty – UK Version 1
15. CRL 10 Year Structural Defects Insurance
16. ABC+ Residential New Build Latent Defects
17. ICW (Canopius) Residential Warranty – UK Version 2
18. Global Warranties Ltd - 10 year Structural Defects Insurance Policy
19. International Construction Warranty (ICW) - Residential New Build - UK Policy version 7
Rooftop Mortgages Ltd All necessary documentation to support potential claim shoul be placed with the title deeds.
Saffron Building Society NHBC
Zurich
Premier Guarantee
BLP
are all acceptable.

Please refer others. See 1.11 for contact point to send warranty scheme policy documentation.
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
• CRL Management Ltd
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)
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 CRL Structural Defect Insurance
9 Build Assure New Homes 10 year Structural Defects Insurance
10 Global Home Warranties 10 year Structural Defect Insurance
11 Q Assure Build (Q Policy for Residential Properties)
12. Advantage (AHCI Latent Defects Insurance Policy)
13. Aedis Structural Warranties (New Build 10; Self Build 10)
14. International Construction Warranties (ICW Residential New Build UK)
15. Protek (New Home; Custom Build; Self Build; Completed Housing)
16. Ark Residential New Build Latent Defects Scheme.
17. ABC+

Santander UK plc for Alliance & Leicester mortgages only 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)
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 CRL Structural Defect Insurance
9 Build Assure New Homes 10 year Structural Defects Insurance
10 Global Home Warranties 10 year Structural Defect Insurance
11 Q Assure Build (Q Policy for Residential Properties)
12. Advantage (AHCI Latent Defects Insurance Policy)
13. Aedis Structural Warranties (New Build 10; Self Build 10)
14. International Construction Warranties (ICW Residential New Build UK)
15. Protek (New Home; Custom Build; Self Build; Completed Housing)
18. Ark Residential New Build Latent Defects Scheme
Scottish Building Society - NHBC
- Checkmate’s Castle 10
- HAPM
- Premier Guarantee
Scottish Widows Bank ABC+
Advantage HCI
Aedis Warranties LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

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
AHCI Limited ('Advantage')
BLP (Building Life Plans)
Build Assure / FMB Insurance
Build -Zone
Castle 10 Checkmate
CRL Management
International Construction Warranties (ICW).
LABC
NHBC
One Guarantee
Premier Guarantee
Protek.
The Q Policy for Residential Properties, Bespoke Properties & Completed Properties.
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 The National House-Building Council (NHBC) Buildmark scheme.
The Zurich 10 (New Build or Conversion) scheme.
The Housing Association Property Mutual (HAPM) scheme.
The Premier Guarantee for Private Housing and Completed Housing schemes.
The Local Authority Building Control (LABC) Hallmark New Homes Warranty Scheme.
The Build-Zone 10 year warranty.
Building Lifeplans Limited (BLP, Allianz Guarantee).
Swansea Building Society NHBC
Zurich Municipal
LABC New Home Warranty Premier Guarantee
Castle 10 New Home Warranty
Build-Zone
CRL
FMB Insurance Services-Build Assure New Homes Structural Defects Insurance
Tesco Bank (a trading name of Tesco Personal Finance plc) The property must have certification of suitable 10 year warranty cover provided by one of the following organisations:
- NHBC
- 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.)
- Premier Guarantee
- Building Life Plan (BLP)
- LABC New Home Warranty
- Castle 10 New Home Warranty - provided by Checkmate
- Build-Zone
- CRL Management Ltd. (CRL)
- The Q Policy for Residential Properties
- The Q Policy for Bespoke Properties (detached only)
- International Construction Warranties (ICW)


The Mortgage Business ABC+
Advantage HCI
Aedis Warranties LTD
Building Life Plans (BLP)
Buildzone
Checkmate
CRL Management LTD (CRL)
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

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 0428
The Mortgage Works NHBC, HAPM, LABC, 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),
Protek,
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 (there must be no more than 20 units in the structure).
CRL new build 10 year structural defects insurance policy for residential property:
New properties where the insurer is International General Insurance Company (UK) Ltd and Ark have signed the final certificate. Please see the final paragraph on the final certificate which will confirm Ark details and the fact they are signing on behalf of the insurers: Acceptable.
New build properties underwritten by Alpha: Not acceptable.
Second hand properties being sold by first or subsequent owner and property is under two years old, with warranty underwritten by Alpha: Unacceptable.
Second hand properties over two years old: 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, CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property, 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.
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, CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property, 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, CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property, 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, CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property, 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, CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property, 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.
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, CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property, 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.
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, CRL - New Build 10 Year Structural Defects Insurance policy for Residential Property, 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 Tipton & Coseley Building Society NHBC, Zurich Municipal, Building Life Plans, LABC New Home Warranty, Build Zone 10 year warranty, CML Professional Consultants Certificate, CRL 10 year warranty, Premier Guarantee, Checkmate Castle 10.
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 (Developments with 10 units or less)
Ulster Bank Ltd - NHBC
- Zurich Municipal
- Building Life Plans
- Construction Register (CRL)
- 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
- Ark Residential New Build Latent Defects Insurance.
Vida Homeloans Advantage/Advantage HCI
Aedis Warranties Limited
Ark Insurance Group Limited - Latent Defects Insurance
Build Assure
Build Life Plans
Build Zone
Castle 10 (Checkmate)
CRL (Construction Register Limited)
Global Home Warranties Limited
Local Authority Building Control (LABC)
NHBC certificate
Premier Guarantee
Protek
Q Assure Build Limited
Zurich Municipal Policy
Virgin Money plc Advantage HCI
Aedis
Build Assure
Building Life Plans
Build Zone (including Self-Build Zone)
Castle 10
Global Home Warranties
International Construction Warranties (ICW)
Local Authority Building Control New Home Warranty
NHBC
Premier Guarantee
Protek
Q Assure
Zurich Municipal
Whistletree (a trading name of TSB Bank plc) NHBC
Premier Guarantee
Building Life Plans
Build Zone
International Construction Warranties.
Yorkshire Bank Home Loans Ltd NHBC
Zurich Municipal (please refer to "October 2009-Recent Notification Lenders Handbook")
HAPM
Premier Guarantee
Building Life Plans
LABC
Castle 10
Build-Zone
Yorkshire Building Society We accept the following new home warranty schemes:
* NHBC
* 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
* Premier Guarantee
* LABC New Home Warranty
* Building Life Plans (BLP)
* Checkmate/Castle 10
* Build Zone
* HAPM
* 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)
* CRL newbuild 10 year structural defects insurance policy for residential property. (NB: where the building was a newbuild and completed between August 2011 and May 2015, there must be no more than 10 units in the building; there is no limit on the number of units in a building that was converted during that time.
* Protek
* Advantage ( Insurer:Elite Insurance Company) There must be no more than 10 units in any complete structure
* Capital Warranties
* 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
Any other new home warranty schemes will be considered on their merits and should be sent to whoever issued the offer/instructions.
Zephyr Mortgages NHBC Build Mark
NHBC Solo
Zurich
Castle 10 New Home Warranty
LABC
Premier Guarantee Certificate
Build Zone
CRL Management Ltd
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