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.