FAQs

If you have built or converted a property and:

1. You wish to sell the property and your purchaser needs a mortgage, or

2. You wish to rent the property and raise a Buy-to-Let mortgage to release equity,

then you must ensure that it was built or converted under a building standards indemnity scheme acceptable to mortgage lenders. Mortgage Lenders will generally only lend on a newly built or newly converted property where the property is covered by a warranty scheme or UK Finance Professional Consultants Certificate (PCC).

A PCC is a much more cost-effective option of providing mortgage ready certification for newly built properties.

The PCC is not an insurance backed warranty, nor is it a latent defects policy.

Generally speaking, if you have not yet started the build you will require a monitoring service. This is where we make inspections during the course of the works.

A monitoring service provides you with interim (or stage) certificates, which can be used for 'draw down' payments from the banks. This is an added value service.

If your build has been completed, then you will require the retrospective service as we can only make one post completion inspection.

No.

UK Finance has created the PCC on behalf of the banks to formalise and standardise the certification of newly built or newly converted residential property.

The UK Finance standard PCC certification needs to be administered and signed off by a professional consultant such as an Architect (who must be registered with the Architects Registration Board - ARB) in order for it to be valid.

It was formerly known through the construction industry as an Architects Certificate, but this no longer applies.

Quite simply, no other company can match us for a combination of expertise, speed and cost.

1. Expertise: Our certificates are administered by a leading midlands based Chartered Architect with 25 years of residential property experience.

2. Speed: Our systems are online and automatically generated. This means quotes; receipts and certificates are issued instantly. Our surveyors cover the UK and have access to the systems on the go. We have been known to issue retrospective certificates in less than 24 hours - which is great for those who are relying on this for a property exchange.

3. Cost: Our digital systems drive efficiencies, which reduce cost. We can pass these onto customers. Our instant quotes offer great value, and our system builds in great discounts for those with multiple properties to certify.

Yes. If you would like to see a copy prior to order, please call 0800 404 5804 and speak with a member of our support staff who can help, or alternatively email us to receive an example.

We have flexible payment options to suit your particular circumstances:

• Online by following the link on your quote, using Stripe.

• Over the phone via credit or debit card.

• By bank transfer via invoice.

Yes. The certificate is valid for 6 years from the date of issue and is transferable to any future purchasers of the dwelling.

Yes. This can be emailed to you following your order.

You will be quoted an “all-inclusive” price which includes vat, all disbursements and costs, all the necessary pre-visit checks, site visits and post-visit administrative work in respect of certifying the property.

Yes. Each certificate is issued with a copy of insurance. If you would like to see a copy prior to order, please call 0800 404 5804 and speak with a member of our support team who can help.

We certify builds up to a value of £2 million.

To exercise your right to be forgotten, please contact us at support@professionalconsultantscertificate.com and we will administer your request.

The majority of the mainstream residential mortgage lenders accept the PCC. You can find the current list of lenders by viewing the UK Finance Mortgage Lenders' Handbook.

To fully satisfy yourselves, contact the lenders direct.