A Professional Consultants Certificate (PCC) is a recognised alternative to a structural warranty and is widely accepted by UK mortgage lenders. It confirms that a newly built or converted residential property has been professionally inspected and complies with relevant building standards. But who can apply for one?
You may be eligible to apply for a PCC if you are the owner or developer of a newly built or newly converted residential property and require certification to support a sale, remortgage, or Buy-to-Let application. A PCC is commonly used where a traditional 10-year structural warranty is not available.
PCCs are issued for residential properties only. This includes new-build homes, residential conversions, and small residential developments. Commercial-only properties do not qualify for a Professional Consultants Certificate.
A Professional Consultants Certificate cannot be issued by the applicant or property owner. It must be completed and signed by a suitably qualified and fully insured professional consultant who meets the requirements set out in the UK Finance Mortgage Lenders’ Handbook.
PC Certificates works with approved professionals, including chartered architects registered with the ARB and chartered surveyors regulated by RICS, as well as other qualified consultants accepted by UK mortgage lenders. All issuing professionals hold appropriate professional indemnity insurance, as they are taking responsibility for confirming that the property has been constructed in accordance with relevant building regulations and recognised standards.
By arranging certification through PC Certificates, applicants can be confident that the PCC is issued by a compliant, lender-approved professional and will be suitable for mortgage and conveyancing purposes.
To be eligible, applicants must be able to provide access to relevant documentation and the property itself. This typically includes:
Planning permission and approved drawings
Building regulations documentation
Site access for inspection (either during construction or retrospectively)
The consultant will assess whether the property meets the necessary standards before issuing the certificate.
You are eligible to apply for a Professional Consultants Certificate if you:
Own or are responsible for a newly built or converted residential property
Need lender-accepted certification in place of a structural warranty
Can provide the required documentation and inspection access
Appoint a qualified, insured professional to issue the certificate
A PCC offers a practical, lender-approved solution for many residential property projects.
0800 404 5804
