If you have built or converted a property and:
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).
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.
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.
The PCC is not an insurance backed warranty, nor is it a latent defects policy.
A PCC is a much more cost-effective option of providing mortgage ready certification for newly built properties.
Yes absolutely. 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.
Yes, absolutely. The certificate is valid for 6 years from the date of issue and is transferable to any future purchasers of the dwelling.
Yes, absolutely. This can be provided for you in the case management area or emailed to you following your order.
Yes, absolutely. 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.
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.
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.
You will be quoted an “all-inclusive” price meaning there are no extra's. Your quote 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.
It also includes 24/7 access to your dedicated case management system online and access to our support team over the phone.
We have flexible payment options to suit your particular circumstances:
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If you have further questions please call 0800 404 5804 to speak with a member of our support team and obtain a copy of our FAQ definitive guide.