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Have a question? Ask an architect! Please note that any advice given is offered in good faith but is subject to clarification when the full facts are known

Mr J Macray of Tunbridge Wells Kent

August 2012

RIBA Architects in Kent
RIBA Chartered Architects

I'm looking to build my own house, as a self-build project.  Am I legally obliged to ensure the property has a warranty?

The short answer is no, you do not have a legal obligation to ensure that the finished property has a warranty.  But you would still be advised to seek one.  The Council of Mortgage Lenders (CML) advises that money can only be lent against a 'newly created dwelling' if a recognized warranty is in place.  Different lenders have slightly different lending criteria, and these can be checked on the CML website.  If you elect to build without a warranty, you will find it difficult to sell the property or raise a mortgage against it.

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