The UK’s Best Structural Warranty
The UK’s Best Structural Warranty
Accepted by over 20,000 Homes Protected by ABC+ Warranty & Architects Certificate – UK‑Finance Approved Structural Certification
Fully trusted professional certificates (PCC, formerly Architects’ Certificates), fully accepted by 95% of UK mortgage lenders and backed by RICS and FCA Regulation Authorities.
The UK’s Best Structural Warranty
Over 20,000 Homes Protected by ABC+ Warranty & Architects Certificate – UK‑Finance Approved Structural Certification
Highlighting trusted professional certificates (PCC, formerly Architects’ Certificates), fully accepted by 95% of UK mortgage lenders and backed by RICS and FCA Regulation Authorities.
What is a Structural Warranty?
We monitor and certify the construction works to tens of thousands of residential and commercial properties every year throughout the UK.
The UK’s most cost-effective Structural Warranty, with no membership fees, renewal fees, holding bonds or hidden costs unlike some other Warranty Providers.
The only RICS registered Structural Warranty company in the UK to offer both our ABC+ 10 and 12 Year Structural Warranty and our 6 Year and 10 year Professional Consultants Certificate for complete peace of mind.
Our Award Winning Services
Which service should you choose?
Cover For All Circumstances
A Six or 10 Year Mortgage Lender Approved Certificate / Professional Consultants Certificate
Are you about to commence a new housing project or self-build? Do you want to convert an old barn or maybe transform an older property into several flats? Or perhaps you have completed properties without valid certification. For any of these scenarios a Professional Consultants Certificate could be the answer.
This type of certificate is very cost effective and is pre-approved by the council of mortgage lenders for your sale, mortgage or re-financing requirements. This certificate used to be known as an ‘Architects Certificate‘ and is not an insurance policy or structural warranty; however, it is possible to start with this low cost option certificate and upgrade at a later date to a full ten or twelve year warranty.
A Ten Year Structural Warranty
Would you like the peace of mind of having a ten year warranty to cover significant structural defects? Or perhaps your purchaser is demanding a full Structural Warranty also known as latent defects insurance. Do you want to upgrade from the CML Certificate? Then you need our ABC+ warranty service.
We can offer our unique warranty ABC+, which is our premium service to the client and bank. In addition to the OPTION 1. CML, now known as UK Finance Certificate, you will also receive our ABC+ Warranty. Remember that with our unique system it is possible to start with Option 1, the CML, now known as UK Finance Certificate and then upgrade to Option 2, a ABC+ Warranty, if later preferred. This type of warranty is an insurance policy which covers against structural defects.
Extra protection that ensures peace of mind for homeowners
At ABC+ Warranty, our Insurance Backed Guarantee (IBG) provides an additional layer of security for your investment. This policy safeguards homeowners in the event that their contractor ceases trading after completing the work. If a problem arises due to faulty materials or workmanship, the IBG steps in to honour the original guarantee — ensuring you’re not left to cover costly repairs yourself.
An IBG from ABC+ Warranty demonstrates your commitment to quality and customer care. It’s designed to give both developers and purchasers complete confidence, showing that every project is backed by reliable protection from a trusted, long established provider
Flexible financial solutions designed to keep your project on track
ABC+ Warranty understands that managing development cash flow is one of the biggest challenges in property construction. Our tailored Finance options are designed to ease that pressure providing structured, flexible funding that supports you from the start of your project through to completion.
Whether you need help bridging short-term funding gaps, accessing capital for development stages, or spreading warranty costs, our financial solutions are simple, transparent, and designed to keep your build moving forward. With ABC+, you gain access to dependable finance partners and expert support every step of the way.
Why Choose ABC Warranty?
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| Question | ABC+ Warranty | PCC | NHBC & similar |
| Can I have a minimum of 10 years cover? | Yes | No | Yes |
| Can I have a minimum of 6 years cover? | Yes | Yes | No |
| Do you issue interim certificates for my loan? | Yes | Yes | No |
| Can I still get cover if I have started building? | Yes | Yes | No |
| Will claims for latent structural defects be insured? | Yes | No | Yes |
| Are all of your surveyors fully Chartered and hold at least one of the following qualifications: RICS, RIBA, CIOB or CABE? | Yes | Yes | No |
| Can I pay in instalments? | Yes | No | No |
| Is the policy transferable to a new purchaser? | Yes | No | Yes |
| Do you cover barn conversions/similar projects? | Yes | No | No |
| I don’t want to pay for a security bond? | Yes | No | No |
| Will you do all negotiations with my bank and solicitor? | Yes | No | No |
| Can you provide cover retrospectively? | Yes | No | No |
| Do you provide complete UK coverage? | Yes | Yes | Yes |
| Are all your surveyors Chartered Professionals? | Yes | No | No |
| Do you cover Social Housing schemes? | Yes | No | Yes |
Types of Developments Covered
Robust 10 and 12-year structural warranties designed for developers, housing associations, builders, self-builders, contractors, and new-build developments—trusted and accepted by all major mortgage lenders.
Other Services We Offer
Frequently Asked Questions
ABC+ Warranty is our warranty product, and it offers some of the best value for money on the market. We do not require membership fees or holding bonds, and we can issue our certifications within hours, not weeks, giving you comprehensive protection as soon as possible.
Our 6-Year CML Certificate, known as a UK Finance Professional Consultants Certificate, gives you the option to upgrade to a 10-Year Building Warranty – helping you to save money with a PCC until a lender requires you to have a Structural Warranty.
Through key inspections, our chartered surveyors perform their due diligence to ensure that latent structural defects won’t occur down the line on completed properties. However, even the best builders can’t always guarantee that nothing will happen, so it’s worth upgrading to a 10-year Structural Warranty.
Many approved lenders accept our PCC and 10-year Structural Warranty for a range of development types, so you can rest assured that your paperwork will be in order. Get an indicative QUICK QUOTE in minutes, or call 0161 928 8804 to discuss your building project.
When you apply through our website, you can either submit our quick quote form to receive an indicative quotation as quickly as possible or fill out our longer application form with more details. You can also apply for a quick PCC quote.
The more information you give us about your building project, the more accurate your prospective quote will be. As we don’t use brokers, the process of receiving a quote from us is faster than many other providers who rely on middlemen – and we can offer lower prices without those additional fees.
Of course, the process may take longer if we require more information about your building proposal, or should we need to visit your site to conduct an inspection. Whatever the case may be, we always offer a fair and honest quote, so you’re sure to get a competitive rate with a speedy turnaround.
According to Part 5 Section 144–145 of the Building Safety Act 2022, a new build home warranty is now required by law for any developer building new residences. This means that developers must provide an appropriate building warranty to the purchaser to legally sell the home.
This applies to anyone ‘undertaking or commissioning’ the ‘construction or conversion’ of a building to create one or more dwellings. If you’re carrying out a self-build or conversion project for your own use, you may not be obligated to take out a warranty unless you intend to sell it later on – but it’s still advisable to set up a building warranty from the outset for your own financial protection.
Mortgage providers will also be keeping abreast of the new law, so you can expect a 15-year building warranty to be a definite requirement for obtaining a mortgage for your new build or converted residence, regardless of which lender you go to.
If you have any questions about our structural building warranties, please call us on 0161 928 8804 to speak to our team, or email your query to info@architectscertificate.co.uk and we will reply as soon as possible with more information.
Sometimes known as Latent Defects Insurance, it is a construction insurance policy that protects you against structural defects in a new build, conversion, or renovated building.
This means that if your building develops problems due to poor workmanship or materials, the structural warranty will provide cover, ensuring you receive financial compensation to help cover the costs of structural damage and repairs.
The Structural Warranty usually lasts 10-12 years from the date on the Building Control Completion Certificate, whether it’s for social housing, mixed-use projects or commercial sites.
Under the Building Safety Act 2022, the liability period will be extended to 15 years for claims relating to faulty design or workmanship on new buildings that have rendered the property unsafe for human use or habitation as a result of latent defects.
Most mortgage lenders will not release funds without an approved Structural Warranty in place, to protect their investment as much as yours. This can delay property sales and purchases, so you should make sure a suitable Building Warranty is in place as early as possible.
Structural defects can become apparent at any time in the years after construction finishes. It’s best to have at least 10 years of precautionary cover to help you with the expense of fixing such issues.
Even if the buyer of a new build pays in cash, it’s still advisable to get a warranty in place.
This is because if they ever come to sell the property, the new buyer may be reliant on a mortgage to fund the purchase, and if there’s no structural warranty in place, it could cause delays or result in the purchase falling through.
Having a structural warranty provides reassurance to lenders that the property is financially covered for any defects and reduces the risk of them losing money if problems are discovered.
These building warranties are usually taken out by the builders or developers to cover the new owners.
Whilst all might seem well immediately following the completion of your building work, structural defects can be made evident at any time in the years after the construction work finishes. It’s therefore best to have at least 10 years of structural warranty cover to assist with the expense of fixing any issues.
Whilst there is no requirement by law to obtain a structural warranty, the majority of mortgage lenders won’t sign off on a mortgage without one.
This will cause a delay in the sale of the property. Additionally, not having a structural warranty in place can make it difficult for you to sell a house that’s under 10 years old.
