Structural defects insurance for developers

Most lenders require to see a structural defect insurance policy from a recognised provider before releasing funds. This applies to all new residential properties as well as properties which are less than 10 years old.

As such, there are two main reasons you’ll probably need structural defects insurance as a developer. Firstly, you’ll need cover if you need a mortgage to finance your building project or development. But even if you don’t need to borrow for your own development, you’ll likely need structural defects insurance if you have plans to sell the property on (within 10 years) to someone who might need a mortgage. So finding a recognised and credible structural defects insurance specialist becomes a crucial part of any sale.

Structural defects insurance for homeowners and self builders

For most of us, buying a property is typically the single biggest investment in our lives. And seeing as the cost of righting a structural defect could cost as much as £40,000 in some instances, an insurance policy gives you peace of mind.

Most mortgage lenders require structural defects cover to safeguard new residential property developments before they release funds. For self-builders, mortgage funds are normally released in instalments at different stages of construction – these stage payments are only released once the construction has passed a key stage technical site inspection.

So, finding a provider that is widely recognised will speed up the mortgage process.


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  • Adam & Company
  • Aldermore Bank Plc
  • Aviva Equity Release UK Ltd
  • Bank of Ireland (Nothern Ireland)
  • Bank of Ireland (ROI)
  • Bank of Ireland (UK) Plc
  • Bank of Scotland Beginning A
  • Bank of Scotland Beginning O
  • Barclays Bank – Standard Life
  • Barclays Bank – The Woolwich
  • Bluestone Mortgages
  • Birmingham Midshires
  • Buckinghamshire Building Society
  • Cheshire Building Society
  • Coutts
  • Coutts Finance Company
  • Coventry Building Society
  • Cumberland Building Society
  • Danske Bank
  • Darlington Building Society
  • Derbyshire Building Society
  • Eastern Credit
  • Ecology Building Society
  • Family Building Society
  • First Direct
  • First Trust Bank
  • Godiva Mortgages Ltd
  • Halifax
  • Halifax Loans Ltd
  • Hampden & Co plc
  • Handelsbanken
  • Holmesdale Building Society
  • HSBC Bank plc
  • HSBC (Mortgage Express)
  • Intelligent Finance
  • Ipswich Building Society
  • Kensington Mortgage Company
  • Kent Reliance / One Savings Bank
  • Leeds Building Society
  • Leek United Building Society
  • Lloyds Bank Plc pre fixed 20/40
  • Lloyds Bank Plc pre fixed 50/30/77
  • Lloyds TSB Scotland plc
  • Metro Bank plc
  • Monmouthshire Building Society
  • National Counties Building Society
  • National Westminster Bank Plc
  • Nationwide Building Society
  • NatWest Bank Plc
  • Newbury Building Society
  • Newcastle Building Society
  • Paratus AMC Ltd
  • Penrith Building Society
  • Permanent TSB
  • Precise Mortgages
  • Principality Building Society
  • Progressive Building Society
  • Santander UK
  • Santander UK (Alliance & Leicester Mortgages)
  • Scottish Widows Bank plc
  • Skipton Building Society
  • Swansea Building Society
  • Tesco Bank
  • The Funding Circle
  • The Mortgage Business
  • The Mortgage Works
  • The Royal Bank of Scotland Direct Line Mortgages
  • The Royal Bank of Scotland plc
  • The Royal Bank of Scotland plc Direct Line One
  • The Royal Bank of Scotland plc First Active
  • The Royal Bank of Scotland plc Natwest One Account
  • The Royal Bank of Scotland plc One Account
  • The Royal Bank of Scotland plc Virgin One
  • The Tipton & Coseley Building Society
  • TSB Bank
  • UCB Home Loans
  • Ulster Bank Ltd
  • Virgin Money

It is a pleasure to work with Eddie and the team as the projects they take on are usually out of the ordinary – like CRL they have an appetite for adventure.

Our flexible approach meant that we were able to find structural defects insurance for The Metropolitan that ticked all of Juno’s boxes.