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The National House Building Council is the house-building industry standard-setting body for newly built, and newly converted properties in the United Kingdom. Importantly, it provides consumer protection to new homebuyers, and issues warranties and insurance protection to cover properties built by NHBC registered builders and developers.
Below we take a more detailed look at the National House Building Council (NHBC) and its role, and the NHBC Buildmark Certificate. Plus we also take a look at how we can help you with the provision of mortgage facilities, whatever your circumstances!
Table of Contents:
So to recap then, the National House Building Council (or NHBC for short) is the United Kingdom house-building body that sets industry standards for newly built, and newly converted properties. The NHBC provides consumer protection for new homebuyers and also issues warranties and insurance protection to cover those properties built by NHBC registered builders and developers.
The NHBC reviews, sets and maintains the standards of construction for new homes, and ensures that its registered builders comply with the rules and standards laid down by the NHBC. The NHBC also provides a comprehensive range of services including engineering and technical advice and training, as well as health and safety, environmental and energy-rating services for new homes.
Approximately 80% of the new homes built in the UK each year are now built and covered by one of the 20,000 or so NHBC registered builders, and therefore benefit from the NHBC's warranty called "Buildmark".
The Buildmark warranty and insurance policy covers the property for ten years, and is widely acknowledged as being the United Kingdom's most comprehensive building warrant covering over 1.5 million homes.
The NHBC Buildmark Certificate is a very important feature of a property that has been built within the last ten years, and is usually a lender requirement for mortgage funding. Fact of the matter is, if the property you are purchasing is under ten years old, and doesn't have an NHBC Buildmark Certificate; the lender is unlikely to grant a mortgage, unless architect's certificates can be produced!
So highly viewed is the NHBC Certificate, Mortgage Lenders consider the build standard backed up by the warranty and insurance cover to be a valuable indication as to the quality of the security, both for you as the purchaser, and for them as lenders.
Yes, with pleasure!
Our qualified mortgage advisors are available to discuss the options open to you. Naturally we'll carefully assess your circumstances, needs, requirements and aspirations and come up with the most appropriate solution for you.
We believe you will find our service to be friendly, professional, helpful and unstuffy. Why not see for yourself by reading what just a few of our previous customers have had to say about us.
So, please don't hesitate to Contact Us if you would like to discuss your requirements, naturally without obligation! Our mortgage advisors are ready to take your call seven days a week from 8am until 10pm on Freephone 08000 282 281, or if you prefer, why not enquire online at any time. Either way, we'll assure you of a warm welcome, and will be delighted to provide you with a rapid in-principle decision, whatever your circumstances!
We hope we've managed to shed a little light for you on the National House Building Council and NHBC Certificate, and have answered any initial questions you might have had. Don't forget we're only ever a couple of mouse clicks or a free telephone call away, and would love to hear from you!
The overall cost for comparison is 9.8% APR.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Most customers are likely to receive a lower rate or the same rate as our overall cost for comparison rate - learn more about APR.
There are no upfront broker fees.
However, a fee may be charged on successful completion. An indication is that on conforming cases (straightforward applications with no or minimal adverse credit) a fee may be charged of up to 1% of the amount advanced, typically £795 and will depend on your circumstances.
For non-conforming cases (where case research and processing may be more complex due to adverse credit or unusual circumstances), a fee may be charged of up to 3% of the amount advanced, typically £1,995.
THINK CAREFULLY BEFORE
SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Adding existing debt to your mortgage will increase the repayment term and overall cost.
Are you worried and becoming stressed because you are having problems getting a mortgage or remortgage? Worry and stress no more! Here at Shire Direct we provide tailor made mortgage solutions to suit you, and can usually help with all kinds of circumstances including...
Remember, we're here to help, and would love to hear from you!
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Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
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