What does a PCC look like?
A Professional Consultants Certificate (PCC) is a document issued by a professional consultant (usually a surveyor or architect) confirming that a newly built or renovated property has been constructed or refurbished in accordance with the relevant standards and specifications.
Key features of a Professional Consultants Certificate
Lender Requirement
Many mortgage lenders request a PCC for newly built or significantly renovated properties that do not have a full structural warranty. The certificate provides reassurance that the property has been constructed to acceptable standards.
Validity Period
A PCC is typically valid for six years from the date of completion, giving both buyer and lender confidence in the quality of the build over this time.
Inspection Process
The consultant issuing the certificate carries out periodic inspections throughout the construction process, ensuring the work complies with building regulations, approved plans, and good building practice.
Insurance
To protect both lender and homeowner, the consultant must hold sufficient professional indemnity insurance to back the certificate. We carry £1m of aggregate PI cover.
What the certificate confirms
- The consultant's qualifications and insurance cover
- That the property has been built in line with building regulations and industry standards
- That inspections were carried out during the build
For a clearer idea of what your own certificate will look like, please get in touch, we're happy to share a sample.
Will my mortgage lender accept it?
Most UK mortgage lenders accept a Professional Consultants Certificate as an alternative to a structural warranty, in line with the UK Finance Lenders' Handbook. Use our lender check tool to confirm the requirements of your specific lender before booking.
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