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Completed Housing Warranty

If you are selling a house that has been built within the last 10 years and it does not have a Structural Warranty in place, mortgage lenders will insist that you obtain one before they release funds to your buyer.

The Warranty provider will undertake a full structural survey of the existing building and identify any building defects prior to policy inception. These can then either be rectified or excluded from the cover.


If you built a block of 15 flats four years ago and now intend to sell, a Structural Warranty will be required by mortgage lenders who are providing finance to each new purchaser. Alternatively if you decide to refinance your existing loan with another mortgage provider, then it is very likely that lender will require a Structural Warranty.

Key features of a Completed Housing Warranty

  • Cover can be arranged by either the vendor or purchaser of the property
  • Cover available for the balance of 10-Years from the date of Building Regulations Sign Off
  • Fast turnaround from survey to the inception of cover (Approx. 14 working days)
  • Policy covers the cost of complete or part rebuilding in the event of a defect or structural failure
  • Policy includes professional fees (Architects/Engineers)
  • Recognised by lenders and complies with Council of Mortgage Lenders (CML) requirements

The Process

  1. Request Completed Housing quotes from Evolution
  2. Comparable market quotations provided
  3. Payment of survey fees and deposit premium
  4. Survey undertaken once full plan/specification check by surveyor
  5. Existing defects noted and either rectified or excluded from cover
  6. Policy issued
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