There is no denying that a Professional Consultants Certificate can be a complex thing to understand, especially if you have not owned a property before. Luckily, our team of experts are here to help you through the entire process. As a first-time property owner, knowing why you need a Professional Consultants Certificate is key. You need to know whether you need one, why you need one and how to get one. This is where we come in. We offer an unmatched service and can guide you from beginning to end.
Understanding a Professional Consultants Certificate
You need a Professional Consultants Certificate if you have built or converted a property, and you wish to sell the property and the purchaser needs a mortgage. Similarly, you will need a Professional Consultants Certificate if you want to rent the property and take out a Buy to Let mortgage to release equity. As a first-time owner, having a Professional Consultants Certificate is a vital way to ensure the property was built or converted under a building standards indemnity scheme. It shows mortgage lenders that there is no risk for them to lend money on the property. Many lenders won’t offer a mortgage without a Professional Consultants Certificate, so getting one is the first step in the right direction.
Almost all major residential mortgage lenders in the UK will accept a Professional Consultants Certificate as proof that the property has been built or converted in line with the required building standards. It’s valid for a total of six years and can be transferred to anyone who purchases the property in the future; the PCC can be transferred from owner to owner, as and when the property is sold and bought.
A lot of first-time owners are hesitant about getting a Professional Consultants Certificate, assuming that it’s a cost that is going to break the bank. However, it’s actually a more cost-effective option. It’s usually a more affordable way of showing a property is mortgage ready.
PPCs may seem daunting and confusing at first, but we are here to make the process as simple and as straightforward as possible. To find out more about PPCs and why they are important, speak to our helpful team of experts. We can offer help and advice for first time buyers. To find out more, get in touch today.
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