Council of Mortgage Lenders Certification

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Council of Mortgage Lenders Certification

The CML Certificate is a Professional Consultant’s Certificate designed to provide assurance that a building has been constructed to a satisfactory standard. It is issued in accordance with CML guidelines and serves as confirmation that the construction meets the necessary standards. This certification runs alongside standard Local Authority Building Regulations Control or that of an Independent Assessor’s Building Regulations Control.

The primary purpose of the certificate is to facilitate mortgage lending against a property when a more formal warranty, such as those issued by NHBC, Premier Guarantee, or similar organisations, is not available. It provides a six-year limited guarantee, confirming that the building has been constructed in line with the approved plans.

Council of Mortgage Lenders Certification

The CML Certificate is a Professional Consultant’s Certificate providing six-year assurance that a building meets approved construction standards, facilitating mortgage lending when formal warranties are unavailable.

Ideal for

The CML Certificate is ideal for property developers, homeowners, and lenders who need assurance that a building has been constructed to satisfactory standards, particularly when formal warranties (e.g., NHBC or Premier Guarantee) are not available.

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Key Features

Expert Certification
Issued by experienced Chartered Surveyors to ensure accuracy and compliance with CML guidelines.

Six-Year Limited Guarantee
Provides a six-year assurance that the building has been constructed in accordance with the approved plans.

Facilitates Mortgage Lending
Enables property owners and developers to secure mortgage funds when formal warranties are not available.

Compliant with Building Regulations
Issued in alignment with Local Authority or Independent Assessor’s Building Regulations Control.

Trusted and Reliable
Backed by our team’s extensive experience and RICS regulation, ensuring professional and reliable service.

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Why Get A Home Survey?

Buying a home is a huge financial commitment, so it’s essential to ensure the property is in good condition. A home survey aims to help uncover issues you may not have noticed on your home viewing that could lead to costly repairs. Without one, you could risk unexpected problems after moving into your new home.

Choosing a trusted surveyor is key. Watsons offers expert, RICS-qualified surveyors with in-depth knowledge of the local areas they work in, allowing them to provide clear, professional advice tailored to your demographic area. With a range of surveys and a commitment to customer satisfaction, Watsons ensures you can move forward with your home buying experience with peace of mind.

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FAQs

No, the CML Certificate is not an insurance policy, warranty, guarantee, or ‘latent defects’ policy. It is a Professional Consultant’s Certificate that provides assurance about the building’s construction standards.

The certificate is primarily intended to assure lenders and property owners that the building has been constructed in accordance with the approved drawings under the Building Regulations process.

Liability applies to the first purchasers and their lenders, as well as any future owners and lenders for the remaining period of cover.

If you’re looking to secure a mortgage or facilitate property transactions, and there is no formal warranty in place (such as NHBC or Premier Guarantee), a CML Certificate may be required.

Yes, the liability applies to succeeding owners and their lenders for the remaining period of cover.

Helpful Downloads

Choosing The Right Survey (PDF)

Survey Services

An home survey will provide you with a clear understanding of the property’s condition.

Valuation Services

We provide a valuation service that gives our clients confidence they have the full picture.

Commercial Services

We offer a reliable and comprehensive service across all sectors of the commercial markets.

Regulated by RICS

We are regulated by The Royal Institution of Chartered Surveyors (RICS).

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PLEASE NOTE

Easter Opening Hours

Good Friday – Closed

Saturday – Open as normal

Sunday – Closed

Easter Monday – Closed

For out of hours contact/emergencies please see information below:

For Tenants/landlords – please call 01603 751555 and follow the instructions. This will provide you with an out of hours contact number, plus the number of an emergency plumber.

For Leaseholders – please call 01603 226500 and follow the prompts. Listed are numbers for various contractors, depending on the type of emergency. 

- From all of us at Watsons -
Have a Happy Easter!