New build warranty help

Jon C
last year

I’m in the process of buying a new build house, but as part of the mortgage application process the developer has revealed there is only an architects certificate rather than something like NHBC warranty.

My understanding is that the architects certificate essentially confirms that the house has been built according to the plans and to the required standards etc but provides absolutely zero warranty. If some kind of structural problem were to develop then the architect could be sued if they were negligent but it doesn’t cover snagging type issues in the first 2 years as NHBC.

HSBC have already confirmed they won’t mortgage the property without an appropriate warranty, but before I search for another mortgage I just wanted to see what the general opinion was. I feel very exposed if there’s no warranty and may have to pull out unless there’s a sensible alternative.

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