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Using Your PCC to Get a Mortgage: A Guide

Posted 28th May 2024

Are you in the process of purchasing a new home, planning to add an extension, or considering renovating your existing property? If so, you may already know the importance of obtaining a Professional Consultant's Certificate (PCC). But did you know that using your PCC to get a mortgage significantly increases your chances of getting approved?

In this blog post, we'll explore how and why your PCC can be a valuable asset in the mortgage application process.

Understanding the Professional Consultant's Certificate (PCC)

A Professional Consultant's Certificate is a document that guarantees that a property was built/converted while adhering to a building standards scheme. This gives mortgage lenders confidence that the construction work has been completed to a high standard and is safe. The certificate covers a range of aspects pertaining to the quality, safety, and reliability of the work being carried out—further providing vital reassurance.

You'll need a PCC to take out a loan to build or renovate a property. Again, this tells mortgage lenders that the construction has been completed safely and adequately while reassuring them that underlying issues are unlikely. You'll also need a PCC if you've built or converted a property and want to sell.

Using your PPC to get a mortgage offers peace of mind to homeowners and mortgage lenders alike, demonstrating that any work done is high-quality. A mortgage is a significant investment, so it's vital to have peace of mind backed by impartial experts. A PCC will include the consultant's inspections, insights, and analysis relating to the property. Information about recommendations or insights relating to the construction of the property and value may also be included.

Enhanced Credibility

A PCC provides additional reassurance to lenders that the property meets necessary safety and quality standards. Using your PPC to get a mortgage is beneficial as you demonstrate to the lender that the property is a low-risk investment, potentially increasing your credibility as a borrower.

Streamlined Approval Process

Lenders typically require various documents and assessments during the mortgage application process. By using your PCC to get a mortgage, you provide comprehensive evidence that the property meets regulatory requirements, streamlining the approval process and potentially reducing the time it takes to secure a mortgage.

Mitigated Risk for Lenders

Lenders are inherently risk-averse and prefer to lend on properties with minimal risk factors. A property with a valid PCC signals to the lender that the property has been professionally assessed and is less likely to encounter issues in the future, reducing the lender's risk and increasing the likelihood of approval.

Negotiating Power

Using your PCC to get a mortgage can also give you greater negotiating power when discussing terms with lenders. A property with a PCC may be perceived as more desirable, allowing you to negotiate more favourable interest rates or loan terms.

Why Choose Us for Your Professional Consultant's Certificate?

PC Certificates established the UK's first dedicated portal to deliver PCCs, featuring an online quotation system, case management portal, and rapid turnaround times. Our experts have been leaders in the PPC field and serve customers from all over the UK.

Whether you're building a new home or extension or renovating an existing property, our team ensures you obtain a Professional Consultant's Certificate quickly, easily, and affordably. Get in touch with us today for a quote and to learn more about using your PCC to get a mortgage.

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