ICR, After you've contacted us, please complete our survey to let us know how we handled your query. Product withdrawn 06 August 2020, Rates effective as of 04 June 2020. At Kent Reliance for Intermediaries, our strength lies in our flexible common sense approach with a willingness to consider cases that fall outside of standard criteria helping provide tailored solutions. Minimum property value, Please use our portfolio submission platform, the Buy to Let Hub, to submit this information. Product withdrawn 21 October 2021, Rates effective as of 10 September 2021. We can accept single or multiple ASTs where applicable. Were able to consider self-employed applicants whove been trading for a minimum of 12 months. Product withdrawn 01 December 2022, Rates effective as of 25 November 2022. Product withdrawn 25 May 2023, Rates effective as of 21 April 2023. You can find out more about the wider ESG commitments of OSB Group as whole at www.osb.co.uk/corporate-responsibility. Freehold block of self-contained flats, Our limited edition buy to let range is suitable for any property type, including HMO and MUFBs with up to 10 bedrooms/units. From buy to let lending for personal ownership and limited companies to residential mortgages for those with non-standard income, large loan . The passing rent adopted doesnt exceed 10% of the market rent supported by the valuer. Unless a bespoke valuation report is requested by us, the Complex valuation fee scale shall apply. Tenure, Product withdrawn 14 January 2021, Rates effective as of 06 August 2021. Overtime, Product withdrawn 19 May 2022, Rates effective as of 11 July2023. Product withdrawn 08 June 2023, Rates effective as of 19 May 2023. Please see our Valuation fee scale for more information. The solicitor acting for us should ensure an acceptable warranty is in place. Complex valuation fees, For sole trader/partnerships well use net profit. Product withdrawn 19 July 2021, Rates effective as of 25 June 2021. Product withdrawn 14 July 2022, Rates effective as of 20 May 2022. These mortgage products are portable. Your eligible deposits held by a UK establishment of Kent Reliance are protected up to a total of 85,000 by the Financial Services Compensation Scheme, the UKs deposit guarantee scheme. krbs, Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. Contractors are treated as employed if paid net of tax (self-employed if paid on a gross basis). Institute of Chartered Accountants in England and Wales (ICAEW): ACA qualified. We know that ensuring the safety of your hard-earned money is paramount, so eligible deposits with Kent Reliance are protected up to a total of 85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. In all instances, evidence of ownership of the property must be provided by way of confirmation from solicitors, TR1 form or being registered at the Land Registry as owned by the applicant(s), during the application process. Further income proof (including P60) may be requested where appropriate (e.g. Support | FAQs and Downloads | Kent Reliance Home > Support Support From downloads to Frequently Asked Questions, this page should have what you need to make the most of our products and services. All mortgage payments must be paid by direct debit and the applicant must choose between the 10thand 28thdays of the month for the payment to be collected. Download our required documents on submission checklist. Rates effective from 11 July2023. Tax calculations, Applicant 1 gross annual discretionary bonus. Flats in blocks must be of modern construction. Furlough payments, Basement flats can be considered on a case by case basis. Product withdrawn 05 April 2023, Rates effective as of 24 March 2023. Arrears, Chartered Institute of Taxation (CIOT): CTA qualified. For more information about HMOs, please visit www.gov.uk/private-renting/houses-in-multiple-occupation. Product withdrawn 08 September 2020, Rates effective as of 01 July 2020. Registered in England and Wales (company number 7312896). Product withdrawn 26 September 2019, Find out more about running your Kent Reliance account, Rates effective as of 11 July 2023. Get in touch Savings Enquiries Business Savings Enquiries Mortgages Enquiries How did we do? EEA Nationals, Product withdrawn on 07 October 2021, Rates effective as of 19 March 2021. Kent Reliance For Intermediaries Financial Services Chatham, Kent . The security isnt in a pre-emption period. Leasehold, Rates effective from 11 July2023. Maximum LTV, Product withdrawn 25 August 2022, Rates effective as of 14 January 2022. Product withdrawn 08 December 2022, Rates effective as of 15 November 2022. Please use our residential affordability calculator to check your clients affordability. We can accept 100% of net rental income, which must be evidenced by way of finalised accounts, SA302s, submitted tax calculations or an accountants reference. Please read our product guide and Further Advance Application submission for further details. Our support is vital in allowing the hospice to continue to provide end of life care and special memories to terminally ill children and their families throughout Kent, London and Sussex. I joined the company as an intermediary sales consultant in 2019 before moving to my role as an office-based business development manager in 2022. All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application. Registered office: Reliance House, Sun Pier, Chatham, Kent, ME4 4ET. Studio flats, Bankruptcy, Valid UK driving licence* photocard (full or provisional). Product withdrawn on 17 June 2021, Rates effective from 17 July 2020. Any bankruptcies or IVAs must be clear for at least three years, with no residual debt, and there can be no repossession as part of the order. Registered office: Reliance House, Sun Pier, Chatham, Kent, ME4 4ET. Government benefits (excluding child/working tax credits) are not acceptable. Product withdrawn on 20 May 2021, Rates effective as of 05 March 2021. Rate effective from 11 July2023. Product withdrawn 04 May 2023, Rates effective as of 06 April 2023. From first-time landlords to those with large portfolios, get an indication of what we could lend to your buy to let clients. krbs, Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. Gifted deposits, Product withdrawn 21 May 2021, Rates effective as of 05 March 2021. I really enjoy solving problems and if this results in the right outcome for you and your clients, then all the better. Product withdrawn 02 March 2023, Rates effective as of 11 July2023. Please ensure the application is noted to state which applicant is the guarantor and well ensure they dont appear on the deeds on the mortgage offer. Product withdrawn 07 October 2021, Rates effective as of 06 August 2021. . Product withdrawn 09 September 2021, Rates effective as of 18 June 2021. Product withdrawn 04 March 2021, Rates effective from 24 February 2023. We subscribe to the Financial Services Compensation Scheme and the Financial Ombudsman Service. Submissions after 4pm will be considered as submitted the following working day. Product withdrawn on 14 May 2020, Rates effective as of 11 July2023. I joined the company in 2019 and bring nearly a decade of experience working in the mortgage industry. Shared ownership, Product withdrawn 08 October 2020, Rates effective as of 08 October 2020. Purchases where the applicant is married or in a civil partnership and their spouse or partner isnt included on the application. Employed applicants, Number of applicants, As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time. Exposure limits, Product withdrawn on 17 June 2021, Rates effective as of 16 April 2021. Product withdrawn from sale 22 October 2014. Product withdrawn 16 March 2023, Rates effective as of 11 July2023. , The Mortgage Adviser Event in London is now underway! Must have acceptable warranty or CML compliant certificate. A breakdown outlining the purpose of the further advance is required. Non-portfolio landlords, External link for Kent Reliance For Intermediaries, An incredible night last night at the Mortgage Solutions British Mortgage Awards! Application fee, Furlough payments, Specialties. Whether you need to make payments or check your latest balance, the easiest way to manage your account is by registering with online services. Security, From high net worth individuals to self-employed applicants or young professionals, get an indication of what we could lend to your residential clients. We have the necessary experience for a range of client cases anything from first-time buyers looking to take that initial step onto the property ladder, to professional landlords managing extensive Buy to Let portfolios the more unique or complex, the better. Product withdrawn from sale 25 April 2018, Rates effective as of 11 July 2023. Product withdrawn from sale 04 April 2018, Rates effective as of 11 July 2023. Product withdrawn 14 June 2017, Rates effective as of 11 July2023. Product withdrawn 29 June 2023, Rates effective as of 16 June 2023. Product withdrawn 01 February 2018, Rates effective as of 11 July 2023. County court judgments, Product withdrawn 16 November 2020, Rates effective as of 07 August 2020. This content is best experienced with your device in landscape mode. Registered in England and Wales (company number 7312896). Rate effective from 11 July2023. please speak to your business development manager for more information. An aggregate value shall be reported assuming they are to be sold on individual freehold or long leasehold titles with appropriate or prudent lotting of gardens or other communal areas. Lines are open between 8:30 and 5:30 Monday to Friday. Product withdrawn from sale 28 June 2017. Rates effective from 11 July 2023. Product withdrawn 31 December 2020, Rates effective as of 27 November 2020. If the overtime fluctuates, well include 50% of the average of the last three months in our affordability calculation. Product withdrawn 23 June 2022, Rates effective as of 11 July2023. (not internet printed) - dated within the last three months. Mortgage payments (direct debit), Product withdrawn 27 April 2023, Rates effective as of 11 July 2023. Product fees, Product withdrawn 10 June 2021, Rates effective as of 19 March 2021. Self Employed Income Support Scheme (SEISS), Product withdrawn 11 May 2021, Rates effective as of 11 July2023. Product switching fee, Second income, For purchases, a copy of the licence or evidence the applicant holds a licence on an alternative property must be received prior to release of funds. Directors salary and/or dividends havent been steadily increasing for the last three years. Product withdrawn 01 April 2021, Rates effective from 30 April 2020. Further advances for shared ownership is only available for staircasing. Total credit card / store card balance. Warranties, Accountant representation, Remortgage, Local Authority Council tax bill - dated within the last 12 months. Hours worked should be sustainable and not excessive. Self-build properties, Newly converted properties, Rates effective from 11 July 2023. Wolverhampton. For customer service and training purposes, calls may be monitored and/or recorded. Product withdrawn 23 March 2023, Rates effective as of 09 December 2022. You can view your latest rates by clicking on the link below. Age limits, Visit the MoneyHelper, Rates effective from 11 July 2023. The tenant is an independent third party. Intermediaries . Criteria guide This handy tool is created with our brokers in mind, to provide the information you need as quickly as possible with our search functionality. You can also earn a regular income from your ISA with monthly interest. Rates effective from 11 July2023. Energy efficiency regulations, Product withdrawn 21 May 2019, Rates effective as of 05 March 2019. Welcome to KRFI TVHere you can enjoy coverage of the latest news about Kent Reliance for Intermediaries, market insights and important changes to the industr. Rates effective from 11 July 2023. Making alterations to the property or allowing the property to fall into disrepair. Employment history, Rates effective from 11 July 2023. Product withdrawn 24 June 2021, Rates effective as of 16 April 2021. The applicant will be liable for our costs where a case proceeds under separate representation. Personal guarantees for 100% of the loan must be provided by all LLP members. Maximum 80% LTV applies for first-time landlords. Fully self-contained, including separate services. The certifiers name and their position within the company, All submitted documents must be certified as follows, Where the document contains a photograph it must also be certified as. Any limited company or LLP application will need to select a solicitor from our limited company/LLP panel ofapproved solicitors. The AST provides for a rent review every 12 months or less. Product withdrawn on 20 June 2016. Without this, your application wont be underwritten. A full mortgagee protection clause (MPC) must be in place. There's still time to register for the event here, https://lnkd.in/eQ7jERg6 I suspect this is just a technical change to change names and nothing else. We also help investors with buy to let, commercial and semi commercial mortgage products. We can accept 100% of a second income that is sustainable and held for a minimum of 12 months. Product withdrawn 14 June 2017, Rates effective as of 11 July 2023. HMO/multi-let/student lets with up to six rooms, Freehold block/titles of land with up to six residential units, HMO/multi-let/student lets with seven to ten rooms with more on exception, Freehold block/titles of land with seven to ten residential units. Today, our savings accounts, bonds and tax-free cash ISAs win awards for letting people across the UK make the most of their money in a way that suits them. Product withdrawn 05 April 2023, Rates effective as of 20 January 2023. With a detailed knowledge of the mortgage market, I understand the challenges brokers face and Im happy to assist them with their cases. Product withdrawn 05 April 2012, Rates effective as of 11 July2023. Rate effective from 11 July2023. Multiple units on a single freehold, Product withdrawn 30 June 2020, Rates effective as of 11 July 2023. We began supporting this Kent-based childrens hospice when it was founded in 1998 through various fundraising and sponsorship initiatives. Product withdrawn 03 December 2020, Rates effective as of 11 July 2023. Product withdrawn 15 April 2021, Rates effective as of 11 July 2023. Product withdrawn 08 December 2022 (for existing online customers only), Rates effective as of 25 November 2022. Minimum loan, For developments previously holding a CRL warranty, a retrospective warranty will be accepted from one of the above providers. As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time. Login to your Knowledge Bank account. Did you miss our latest masterclass? Product withdrawn 03 September 2020, Rates effective as of 20 March 2020. Please speak to your business development manager for more information. You can find out where to find us on our branches page. Product withdrawn 08 December 2022, Rates effective as of 15 November 2022. We can accept 50% where used as additional income. Product withdrawn 27 October 2022, Rates effective as of 07 October 2022. Edit - I think there may be some confusion here. Separate representation, Subject to valuation, the following properties can be considered: The property will be valued on a comparable basis with regard to transactions of other student lets/HMOs and private dwellings in the surrounding area. Product withdrawn 26 May 2022, Rates effective as of 22 April 2022. Timespan: 6-12 months acceptable as standard; maximum three years. If any of the individual houses are to be used as HMOs/student lets, please refer to the HMO/student lets criteria. Product withdrawn on 16 July 2020, Rates effective as of 14 April 2023. Product withdrawn 13 January 2022, Rates effective as of 12 November 2021. Commission, If each individual house is marketable in isolation, either to owner occupier purchasers or investors and fully self-contained, including separate services, the houses will be valued on a comparable basis, considering transactions of other houses in the surrounding area. Direct debit, KR is just their brand name used. Individual voluntary agreement, Complete our survey
Rental income requirements, OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504). Focused solely on the intermediary sector, Kent Reliance for Intermediaries takes a leading position in the specialist Buy to Let and residential mortgage market, where our established expertise and flexibility are highly sought after. Large student lets, Product withdrawn 19 June 2020, Rates effective as of 16 October 2020. Where the property is not licensed but the applicant holds other licensed property a copy of a licence for another of the applicants properties, plus undertaking to apply for a licence on the subject, is required. Applicants must be represented by an accountant with suitable qualifications: Length of accountant/customer relationship may be less than 12 months at the discretion of the underwriter. Income-backed mortgages, Product withdrawn 05 August 2021, Rates effective as of 11 June 2021. Product withdrawn 03 June 2020, Rates effective as of 17 April 2020. Maintenance / other committed expenditure. Maximum LTV, Dry cleaners (where dry cleaning takes place on the premises). Product withdrawn 19 March 2020, Rates effective as of 06 November 2020. Internet Explorer retired and is no longer supported as at 15 June 2022. Its large underwriting team assess each case individually, applying flexibility and common sense to ensure brokers can access best-suited products. Mortgage payment, We look after those who work with us and offer many benefits, including an internal award and recognition programme, a long service incentive and family-friendly benefits. Flats, Product withdrawn 16 March 2023, Rates effective as of 09 December 2022. Product withdrawn 15 April 2021, Rates effective as of11 July 2023. Product withdrawn 22 July 2021, Rates effective as of 15 January 2021. Intermediaries | The Mortgage Lender REAL LIFE LENDING Ours is a world of individuals - everyone is unique. For developments previously holding a CRL warranty, a retrospective warranty will be accepted from one of the above providers, subject to a site survey having been undertaken by the new warranty provider at the time the retrospective warranty was underwritten.The solicitor acting for us should ensure an acceptable warranty is in place. Rate effective from 11 July 2023. Retrospective PCCs arent acceptable. Evidence must be provided; for example, proof of income from previous employment. Monthly hire purchase payments. #TogetherWeProsper, Join to see who you already know at Kent Reliance For Intermediaries. Maximum number of floors accepted as standard: High rise blocks outside of standard criteria may be considered on a case by case basis as an exception at our discretion. Swipe away and find out more Asset-backed, Minimum income requirement, TV Licence or renewal/reminder letter All - dated within the last 12 months. New-builds, Product withdrawn from sale 1 January 2011. Rates effective from 11 July2023. We apologise for any inconvenience caused. First-time landlords, Product withdrawn 16 April 2020, Rates effective as of 11 July2023. Product withdrawn 03 June 2020, Rates effective as of 11 July2023. It is the responsibility of the Solicitor to ensure the Borrower is aware there is a requirement, and will a condition of the mortgage, for any properties rented out in the private rented sector (including existing lettings, new lets and renewals) to normally achieve the minimum energy performance rating (an EPC) set out in the relevant applicable regulations in force. The loan needs to be repayable and a term agreed with a documented loan agreement (a copy will be required to be held on file). Tenure, Taking a personal, common sense approach to underwriting and flexible lending criteria. Product withdrawn from sale 08 February 2013. Rates effective from 11 July2023. The applicant must provide evidence of the onward residential purchase by way of a mortgage offer prior to completion of the mortgage with us. krbs, Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. Product withdrawn 13 April 2023, Rates effective as of 11 July 2023. Pension income, Acceptable repayment strategies and required evidence. If you have queries about your procuration fees, you can contact us Mon-Fri between 10am-4pm on 0370 900 5010 or email us at agency.payments@landg.com Call charges may vary. You can find out where to find us on our branches page. LTV, Product withdrawn on 20 June 2016. Evidence of two rental periods (defined as two 6 month periods) through either bank statements or confirmation of rent received from an ARLA-registered letting agent. Rates effective from 11 July2023. Kent Reliance for Intermediaries. Registered in England and Wales (company number 7312896). Product withdrawn on 04 March 2019, Rate effective from 11 July2023. Product withdrawn 30 August 2019, Rates effective as of 08 June 2018. Registered office: Reliance House, Sun Pier, Chatham, Kent, ME4 4ET. Product withdrawn from sale 01 January 2011. We can only accept maintenance income if this is ordered by either the courts or child support agency. Flats, Buy to let, If the term takes the guarantor beyond their declared/intended retirement age, we will require evidence of retirement income for affordability purposes. In this case, any early repayment charges wont be charged but the existing rate wont apply to any additional funds that your client borrows. An aggregate value shall be reported assuming the flats are to be sold in individual long leasehold titles. Specialist products, Ive been working in financial services for the past five years, during which time Ive developed an in-depth understanding of the property market. We give back to our communities in many different ways, including volunteering, sponsorships, partnerships, supporting community organisations, financial donations and fundraising. Product withdrawn 19 May 2022, Rates effective as of 11 July2023. Debt, Minimum property value: 75,000 (subject to product criteria). Product withdrawn 01 June 2023, Rates effective as of 19 May 2023. The block must benefit from a 10-year new homes warranty or UK Finance compliant Professional Consultants Certificate (PCC), with accompanying professional indemnity insurance. Product withdrawn 6 April 2021, Rates effective as of 30 June 2023. Any monthly payment will be included in the ICR calculation. Up to 75% LTV No matter how complex a case, Im here to support you from start to finish to ensure the best outcome for your clients. Home > Savings and ISAs; . Product withdrawn 15 April 2021, Rates effective as of 02 July 2021. Product withdrawn 15 June 2023, Rates effective as of 02 June 2023. Existing Kent Reliance for Intermediaries borrowers may switch a buy to let asset from an individual name into a limited company or an LLP. Child maintenance by court order: 100% (child can be up to 13 years old). Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. https://lnkd.in/earm6aZB The valuation will include any HMO planning premium (Article 4) and enhanced value arising from additional facilities. Product withdrawn 20 May 2021, Rates effective as of 05 March 2021. If your landlord customer is looking for a holiday let mortgage, our sister company InterBay Commercial could help. Product withdrawn 17 March 2022, Rates effective as of 14 January 2022. Vendor deposits are deducted from the lower of the purchase price or valuation. Product withdrawn 10 June 2021, Rates effective as of 16 April 2021. Term, Rates effective from 11 July 2023. Existing OneSavings Bank borrowers, Retrospective certificates are also not acceptable. Minimum unexpired lease term, Product withdrawn 07 July 2022, Rates effective as of 27 May 2022. Weve been helping our customers save for the important things in life since the 1840s, and throughout those years always stayed true to our founding principles of loyalty, service and putting our customers first something we continue to aspire to today. Product withdrawn from sale 15 August 2012, Rates effective from 01 September2022. If you need to let us know that something has gone wrong, please see our guide to how to complain and we will do our best to put things right. Rental income, Product withdrawn from sale 01 June 2015. Portfolio landlords are defined as landlords with four or more mortgaged buy to let properties, including: The portfolio validation process will include an assessment of the wider portfolio ICR and must be a minimum of 125% ICR at 5% pay rate and a maximum of 85% LTV. Please rotate your device for optimal display. Tenancy, Product withdrawn from sale 01 October 2015, Rates effective from 11 July2023. In August 2021 we began our partnership with XL@Football , a female football academy. Well base income calculation on the finalised accounts, SA302s, accountants reference or tax calculation submitted to HMRC. As a leader in the specialist intermediary mortgage market, Kent Reliance for Intermediaries offers a range of buy to let and residential products that help brokers with cases that may not fit the criteria of mainstream lenders. Product withdrawn 01 June 2023, Rates effective as of 11 July 2023. Ex-local authority flats, Product withdrawn on 08 April 2019. Latest three calendar months personal bank statements showing income and expenditure. Product withdrawn 30 June 2020, Rates effective as of 17 April 2020. Jon Hall and Neil Chambers discuss OSB Group's latest Landlord Leaders research which highlights the emergence of a more professional type of landlord, one whos passionate about positive opportunities in the industry thatll ultimately improve the lives of their tenants. Product withdrawn 17 June 2021, Rates effective as of 22 May 2021. Ive worked in finance since 2014 in a variety of roles, including junior stock and foreign exchange broker, and my previous experience as an underwriter means I have a good understanding of our criteria and policies. Amenities, Application fee, The projected income for the second year from a suitably qualified accountant and a business plan.The level of projected income used can be up to 30% greater than the year one figure. Must allow staircasing up to 100% ownership. Rate effective from 11 July2023. ASTs, Product withdrawn 07 August 2020, Rates effective as of 11 July2023. Source of deposit, Product withdrawn from sale 10 November 2016. The HMO must have the correct level of communal space, amenities and fire precautions as set out by the respective local authority. Maximum age at end of term is 85 (including lending into retirement). Self-assessment returns or SA302s arent accepted as proof of income. With our market knowledge, empowered BDM team and flexible criteria, were able to offer specialist buy to let and residential mortgage solutions where other lenders may struggle. What can we help you with? Product withdrawn from sale 1 January 2006. Product withdrawn 10 March 2022, Rates effective as of 3 December 2021. Product withdrawn 13 October 2022, Rates effective as of 11 July2023. HMOs, Product withdrawn on 21 May 2019, Rates effective as of 11 July 2023. Product withdrawn from sale 30 November 2016. Product withdrawn 27 April 2023, Rates effective as of 06 April 2023. New mortgage products for existing customers, Online submission available for some accounts, For existing customers requiring additional borrowing, Product transfer broker authorisation form, Portfolio submission platform (BTL Hub) user guide. Product withdrawn 05 April 2023, Rates effective as of 11 July 2023. MUFBs, Intermediaries . Rates effective from 11 July2023. Product withdrawn 31 March 2022, Rates effective as of 10 September 2021. Sole traders, Products from Kent Reliance can be accessed by using Dynamo for Intermediaries as your payment route or you can choose our expert packaging service. Product withdrawn 24 April 2019, Rates effective as of 02 November 2018. Maximum status, We request the valuer considers minimum room size and communal space standards in accordance with current RICS guidance. Product withdrawn 25 May 2023, Rates effective as of 11 July 2023. Leasehold properties on an interest-only basis where the remaining lease term is less than 85 years will be accepted at a maximum 75% LTVLoan to value. Interest-only mortgages (not available for shared ownership). Our heritage is built on the belief of maintaining strong relationships with our customers, ensuring that their savings goals are met and that we deliver on what we promise every single time. Product withdrawn 22 June 2023, Rates effective as of 09 June 2023. Product withdrawn 10 December 2020, Rates effective as of 11 July2023. This flexible, personal approach to underwriting case submissions is beneficial for brokers and clients alike, particularly for larger, more complex or hard-to-place loans. Product withdrawn from sale 16 August 2018, Rates effective as of 11 July 2023. Rates effective as of 01 July 2020. Are less than two years old (from the date of practical completion), and/or, BOPAS (Build Offsite Property Assurance Scheme), Build Assure (New Homes Structural Defects Insurance), International Construction Warranties (ICW), Modern Methods of Construction (MMC) only, UK FINANCE Compliant Professional Consultants Certificate with proof of PI.
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