Renters' Rights Act 2025, Phase 1 commencement
Transition readiness pack

New Build Landlord

New Build Snag List UK — Defects, NHBC Warranty, Developer Obligations, and Landlord Remedies

Snagging surveys, NHBC Buildmark warranty (years 1-2 builder warranty; years 3-10 structural insurance), Consumer Code for New Homes adjudication, Building Safety Act 2022 leaseholder protections, and legal remedies for persistent defects.

13 min readUpdated 8 June 2026Last reviewed: 17 May 2026new buildsnaggingNHBCBuildmark warranty

Snagging Before and After Completion

Pre-completion inspection: Consumer Code for New Homes (2021) requires developers to permit inspection in the 5 days prior to completion. Independent snagging surveyor (RICS/CIOB) produces written room-by-room report. Submit in writing to developer's customer care team; photograph and document every defect. Two-year developer warranty period: builder responsible for workmanship defects; NHBC Resolution Service is backstop where builder fails to respond.

NHBC Buildmark Warranty Coverage

Years 1-2 (builder warranty): housebuilder fixes workmanship defects at their cost; NHBC Resolution Service for disputes. Years 3-10 (NHBC insurance): structural and weatherproofing elements only (foundations, main structure, roof, drainage); cosmetic defects, normal settlement, maintenance items excluded. Sum insured: original purchase price + 1%/year. Assignment: passes automatically to successive owners on sale.

Building Safety Act 2022 and Leaseholder Protections

The BSA 2022 leaseholder protections apply to 'qualifying leaseholders' — those who owned the flat as their only or principal home. Buy-to-let investors may not qualify and could still face service charge remediation demands for cladding defects. Pre-purchase checks: Landlord Certificate; EWS1 form status; developer's Responsible Actors Scheme status. Specialist legal advice essential before purchasing into a block with potential cladding issues.

Legal Remedies for Persistent Defects

NHBC Resolution (years 1-2) and warranty claim (years 3-10). Consumer Code for New Homes adjudication — binding on registered developers, faster than court. Breach of contract: 6-year limitation period from breach. Defective Premises Act 1972 s.1 (fitness for habitation): 30-year limitation period for claims accruing post-28 June 2022 (BSA 2022 s.135). Pre-action: formal letter before claim; RICS-quantified schedule of works.

Found a gap or disagree with something?

Reply to any LetSafe email or write to Richard@letsafeuk.co.uk. We rewrite guides when we get something wrong, the sooner we hear, the sooner we fix it.

Hand-picked by topic overlap with this guide.

Fire Safety Compliance
Fire Safety Order UK — Landlord Duties Under the FSO 2005 and Fire Safety Act 2021
Responsible person duties, fire risk assessments, Fire Safety Act 2021 scope (external walls, flat entrance doors), Fire Safety (England) Regulations 2022, Building Safety Act 2022, and enforcement powers for landlords with common parts.
BTL Conveyancing 2026
Conveyancing for Buy-to-Let — Searches, Title Investigation, HMO Licence Checks, SDLT Surcharge and Land Registry
Conveyancing for buy-to-let purchase 2026: the BTL conveyancing process differs from residential purchase — HMO licence checks essential (HMO licences NOT transferable on sale; buyer must apply for a new licence); SDLT 3% additional dwelling surcharge applies; CML Handbook compliance for BTL mortgage lender. Key stages: (1) Searches: Local Authority (planning; enforcement; article 4 directions — critical for intended HMO use); water and drainage (CON29DW); environmental (contamination; flooding; ground stability); chancel repair liability; coal mining (where applicable). (2) Title investigation: Official Copies (OC1/OC2); existing charges (mortgages to discharge); restrictive covenants; easements; leasehold (lease term; ground rent; service charge history; section 20 notices); HMO licence enquiries. (3) Pre-contract enquiries (TA6/TA10): boundaries; tenancies; deposits; outstanding enforcement. (4) Exchange: 10% deposit; completion date. (5) Completion: balance transferred; keys released; buyer becomes legal owner. (6) SDLT (England): 14-day deadline; 3% surcharge for additional dwellings. LBTT + ADS 6% (Scotland; 30 days). LTT higher residential rates (Wales; 30 days). (7) Land Registry: TR1 transfer + CH1 charge; 1-6 months to register; title absolute.
Pension Property Investment 2026
Pension Buy-to-Let UK 2026 — SSAS Commercial Property, SIPP (Residential PROHIBITED), Tax-Free Rental Income and Purchase and Leaseback
Pension buy-to-let guide 2026: SSAS (Small Self-Administered Scheme) and SIPP (Self-Invested Personal Pension) can both hold commercial property with rental income and capital gains entirely tax-free within the pension wrapper. SSAS: for company directors and senior employees; can buy commercial property; borrow up to 50% of scheme assets; purchase and leaseback to sponsoring employer at market rent (rent is deductible for the company; tax-free income for SSAS); connected-party transactions: must be arm's length and at market rent. SIPP: can hold commercial property; CANNOT hold residential property — residential property is 'taxable property' (Finance Act 2004 s.174 and Schedule 29A): 40% unauthorised payment charge + 15% scheme sanction charge — combined can exceed 55% of property value. Residential definition is broad: includes holiday cottages; B&Bs; serviced apartments; student accommodation; mixed-use properties with material residential element. Lifetime Allowance (LTA) ABOLISHED from 6 April 2024 (Finance Act 2024) — no maximum pension pot. Annual allowance: £60,000 (2024/25 and 2025/26); MPAA: £10,000 after drawdown.
UK-Wide · PRA Supervisory Statement SS13/16 (Effective 30 September 2017): Special Underwriting Rules for Portfolio Landlords · Definition: 4+ Mortgaged BTL Properties Across ALL Lenders · Portfolio Questionnaire: All Properties; Balances; Rents; Rates; Values · Individual AND Aggregate ICR Stress Test: 125% at 5.5% Stressed Rate · Specialist Lenders: Paragon; The Mortgage Works; Kent Reliance; Fleet; Foundation · Top-Slicing: Personal Income Can Supplement ICR
Portfolio Landlord Mortgage UK 2026 — PRA SS13/16 Rules, 4-Property Definition, ICR Stress Test, Portfolio Questionnaire, Specialist Lenders and Top-Slicing
Portfolio landlord mortgage UK 2026: PRA Supervisory Statement SS13/16 (effective 30 September 2017) introduced specialist underwriting requirements for portfolio landlords — defined as landlords with 4 or more mortgaged BTL properties across ALL lenders (not per lender; properties owned outright do not count). Portfolio questionnaire required: all mortgaged properties (address; value; balance; rent; rate; lender; expiry); aggregate portfolio LTV; aggregate ICR; void periods; business plan. ICR stress test: individual property minimum 125% rental coverage at stressed rate (typically 5.5%); 145% for higher-rate taxpayers (Section 24 impact). Aggregate portfolio ICR also required across all mortgaged BTL properties. Background portfolio assessment: even on a single BTL remortgage, the whole portfolio must be assessed. Specialist lenders dominate post-SS13/16 (Paragon; The Mortgage Works; Kent Reliance; Fleet Mortgages; Foundation Home Loans; Accord). Top-slicing: personal income can supplement ICR where rental income alone does not meet the 125% threshold at stressed rates.
England, Wales, Scotland and Northern Ireland · PPR Election (TCGA 1992 s.222(5)): Where a Taxpayer Has Two or More Residences, They May Nominate One as Their Main Residence for PRR by Written Notice to HMRC — Within 2 Years of First Having Two Qualifying Residences · Election Can Be Varied at Any Time (Including the Day Before Sale) · Final Period Exemption: Last 9 Months of Ownership Automatically Exempt If Property Was EVER the Main Residence · Letting Relief: Post-April 2020 — Shared Occupation With Tenant Only (Max £40,000 Per Person) · HMRC Scrutiny: Genuine Occupation Required
Principal Private Residence Election — Main Residence Nomination, 2-Year Window, Varying the Election, Final Period Exemption and BTL CGT Planning Strategy
Principal private residence (PPR) election guide 2026: how to make and vary the main residence nomination under TCGA 1992 s.222(5); the 2-year window from first having two qualifying residences; how to vary the election at any time; the 9-month final period exemption for properties that were ever the main residence; letting relief restriction post-April 2020 (shared occupation only; max £40,000 per owner); BTL planning strategy — genuine occupation required for a valid nomination; HMRC enquiry risk on sham nominations.
England · New Build BTL · NHBC Warranty · EPC A · Mortgage Restrictions · Completion Risk
New Build Buy-to-Let UK 2026 — Landlord Guide to Buying New Build
New build buy-to-let UK 2026: BTL mortgage LTV restrictions for new build, developer incentives and disclosure, NHBC Buildmark warranty, EPC A/B compliance advantage, completion risk, off-plan buying, and new build premium impact on yield.