First Direct want Copy of Structural Defects Warranty

jezza270

For my mortgage application First Direct want a copy of a Structural Defects Warranty. Does anyone know what this is and how I go about obtaining one. The house I am buying is a new build and is only partially built.

I contacted the Persimmon sales advisor and he didn't understand what they were requesting. He just said all houses come with an NHBC warranty but I will not get this until the house is built.

Afterwards I spoke to someone at First Direct who wasn't sure as it was a new build but said Persimmon should have some sort of warranty to cover the house building or some sort of policy in place for the whole estate or just the plot I am buying or something to say the houses will by under an NHBC warranty. Very vague!!!

Does anyone know what First Direct are after. Thanks.

kingstreet

They want the NHBC Certificate.

This isn't issued until after the property is built and signed-off.

Usually, the mortgage offer is issued subject to the NHBC Certificate being with the solicitor before completion.

If they stick to this daft requirement, you are going to have to find another lender. Perhaps one that understands newbuild, which HSBC really doesn't.

jezza270

Thanks very much for your help. With the information you gave me I phoned First Direct again and spoke to someone who knew what they were talking about. All sorted now as they will wait for the NHBC Certificate after the house is finished.