Is a structural warranty a legal requirement in the UK?

While not a direct legal requirement to build, virtually all mortgage lenders require a 10-year structural warranty for new builds, conversions, and self-builds before they will lend money on the property.

What does a structural warranty actually cover?

It typically covers major structural defects, such as issues with foundations, load-bearing walls, roofs, and other structural elements, that arise within 10 years of completion. It does not cover cosmetic defects or general wear and tear.

When should I apply for a self-build warranty?

It's best to apply and get the warranty in place before construction begins. This ensures that the warranty provider can carry out necessary technical audits throughout the build process.

Can I get a warranty if my project is already underway or finished?

It's more complex, but 'retrospective' warranties can sometimes be arranged. This usually involves a more intensive inspection process and may incur higher costs. It's always easier to arrange cover from the outset.

Conversion & self-build warranty

Legal requirement

The short answer

Latent defects cover for conversions

Price from: £1,500.00
Time on site: 30 to 60 minutes (detailed consultation)

What you get

You get an insurance certificate providing 10-year structural defect cover for your converted or self-built property, essential for mortgage lenders.

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When do you need a Conversion & self-build warranty?

This warranty is essential if you are building your own home or converting a property and plan to sell it or get a mortgage. Most mortgage lenders will insist on a structural warranty before releasing funds.

What happens on the day

This is an insurance consultation. You will discuss your project details with an experienced broker who will assess your needs, explain the different warranty options, and guide you through the application process.

How to prepare

Architectural plans and specifications
Details of your project timeline
Information about your builder/contractors
Planning permission and building control approval documents
Estimated project value

How to improve your result

Engage reputable, experienced builders and professionals.
Ensure regular inspections are carried out by qualified professionals throughout the build.
Keep meticulous records of all stages of construction and materials used.
Consider getting advice from a warranty provider early in your project planning.

Why it is useful day to day

Having this warranty allows you to secure mortgage financing, which is crucial for most self-build or conversion projects. It also provides long-term financial protection against potentially catastrophic structural defects, offering peace of mind.

Why we ask these questions

We ask about the project's scope, construction methods, and building professionals involved to assess the risk and ensure the correct level of cover. Details about the property's value help determine the appropriate sum insured.

Frequently asked questions

Often needed alongside

Development finance

Funding for new builds and conversions

From £2,500.00Get quotes

Recurring

Landlord insurance

Buildings, contents and liability for let property

From £150.00Get quotes

Recurring

Home (buildings) insurance

Buildings cover for owner-occupiers

From £150.00Get quotes

Bridging finance

Short-term loans for purchases and chains

From £1,000.00Get quotes

Renovation & contract works insurance

Cover during building works and self-build

From £300.00Get quotes

Recurring

Contents insurance

Cover for belongings

From £60.00Get quotes

Legal requirement

New-build structural warranty

10-year structural warranty for new homes

From £1,200.00Get quotes

Recurring

Commercial property insurance

Offices, shops, industrial units

From £500.00Get quotes