New Build Warranty Types — NHBC, LABC, Premier Guarantee, and Others

A new build warranty provides protection against significant structural defects that appear in the first 10 years of a new property's life. Most mortgage lenders require a recognised new home warranty as a condition of lending.

Why a New Build Warranty Matters

Even a well-built property can develop structural problems: foundation movement, major roof failures, wall tie deterioration. These are expensive repairs. Without a warranty, the cost falls entirely on you. Without a recognised warranty, most lenders won't offer a mortgage.

NHBC Buildmark — The Market Leader

The NHBC (National House Building Council) Buildmark warranty is the most widely recognised and is used on the majority of new build homes in England and Wales.

What it covers:

• Years 1–2 (builder warranty period): the developer is responsible for fixing any defects. NHBC backs this up if the developer refuses or is unable to act
• Years 3–10 (NHBC insurance period): NHBC provides insurance against significant structural defects, contamination, and builder insolvency
• Deposit protection: if the developer becomes insolvent after exchange but before completion, your deposit is protected

What it doesn't cover: cosmetic defects, shrinkage cracks (normal building settlement), defects caused by the homeowner, normal wear and tear.

LABC New Build Warranty

The Local Authority Building Control (LABC) New Build Warranty is an alternative recognised by most lenders, backed by insurance underwriters. Coverage is broadly equivalent to NHBC Buildmark.

Premier Guarantee

Premier Guarantee (part of the MD Insurance group) is another NHBC-equivalent used by smaller developers and self-builders. Most lenders accept it. Check the specific lender's requirements.

Other Schemes

ABC+ Warranty and Build-Zone are additional providers. Always verify acceptance with your mortgage lender before purchase — particularly on non-mainstream developments.

What to Check Before Purchase

1. Which warranty scheme is in place — obtain the certificate and scheme name

2. Warranty registration number — confirm the specific plot is registered, not just the development

3. Transferability — warranties transfer to the new owner on resale (critical for your own future sale)

4. Scheme expiry date — confirm the 10-year clock started from legal completion, not from reservation

What to Do If There Is No Warranty

On unusual properties, self-builds, or conversions, standard warranties may not apply. Your solicitor should identify this early. Some lenders will accept a professional consultant's certificate (PCC) as an alternative, or a single-premium structural defects insurance policy. These are more expensive and less comprehensive than a full 10-year warranty.

Store your warranty certificate and NHBC registration documents in your Property Passport UK from the day you complete — future buyers and their lenders will need them.