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Lenders will generally only lend on a newly built (or newly converted) property where the property is covered by a warranty scheme (for example, NHBC warranty, Premier guarantee) or the CML Professional Consultant Certificate.
The CML Professional Consultant Certificate can only be signed by a consultant with one or more of the qualifications listed in section 6.6.4 of the Lenders’ Handbook, for example, Fellow or Associate of the Royal Institution of Chartered Surveyors (RICS). By signing the certificate the consultant confirms that he has designed and/or monitored the construction of the property and that he will remain liable to the owner and any lenders for a minimum of six years.
You’ll need this type of certificate if:
Click on the links below for an example of a standard format certificate provided by the Council of Mortgage Lenders for your area.
Established 1989. Each member of our accredited CML team are members of one of the organisations listed below: