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  • 10 Things To Know Before Getting A PCC

  • Posted by on 3rd Dec 2018
  • Professional consultants certificates are an ideal quick and cost-effective solution for securing mortgage lending on newly built or renovated properties. Applying for mortgages can be an exhaustive process, which is why we’ve compiled a list of everything you need to know about professional consultants certificates to make the service hassle-free and easy to use.

    Everything You Need To Know About Professional Consultants Certificates 

    #1. Professional Consultants Certificates are vital for securing mortgages or newly built or converted properties – both for individuals who wish to sell their property and want to secure their purchaser a mortgage and those who want to rent a property and raise a buy-to-let mortgage to release equity. Mortgage lenders will only release the funds where the property is covered by a warranty scheme or The Council of Mortgage Lenders (now referred to as the UK Finance Mortgage Lenders) Professional Consultants Certificate (PCC).

    #2. The PCC was formerly know within the industry as an Architects certificate. This can lead to some confusion when purchasing.

    #3. Your professional consultant can provide you with a letter that confirms they will be supervising all building work. This is sometimes required by the mortgage lender.

    #4. Your professional consultant must belong to a professional body such as the Royal Institution of Chartered Surveyors.They must also have their own professional indemnity insurance that can be enforced throughout the certificate’s lifetime – usually a minimum of six years.

    #5. There are two types of service – monitoring and retrospective. For developments that have not yet been built, the monitoring service gives interim certificates as the project goes along. If the building work has already been completed then you require a post completion ‘retrospective’ service.

    #6. Buildings are certified with a copy of the provider’s Professional Indemnity Insurance – with buildings valid up to 3 million at Professional Consultants Certificate!

    #7. Your professional consultants certificate is personally supervised and signed off by a chartered accountant, guaranteeing quality assurance.

    #8. Evidence will need to be provided for your case to secure your certificate – this includes project drawings, planning consent and in some cases copies of the building regulations completion certificate.

    #9. Detailed case management systems are provided with your certificate – allowing you to review and monitor progress at every step of the way.

    #10. Although new home warranties are available, PCC is a much more cost-effective option of providing mortgage ready certification for newly built properties. Find out why a professional consultants certificate is the ideal solution for you, here. 

    Get Your PCC Today

    We pride ourselves in delivering quick and effective professional consultant certificates that comply with the UK Finance Mortgage Lenders Handbook. Based in the Midlands, we can service individuals nationwide with ease. We offer discounts for multiple dwellings on the same building site, so get in touch today to see how we can help your development. Get started now by calling us free on 0800 404 5804 or filling out our quick quote form, here.

Professional Consultants Certificate

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Whether you have one or multiple properties, have not yet commenced construction, are part way through construction or have completed your project, we can help.

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