Professional Consultants Certificate
A Professional Consultants Certificate (PCC) is the minimum requirement by mortgage lenders as defined by Section 6.7 of the UK Finance handbook in the steps to be taken when dealing with Building Standards Indemnity Schemes for new properties.
A Professional Consultants Certificate provides six years cover from the date of the final inspection and satisfactory sign off.
What We Do
Preliminary Surveys
As soon as construction is at foundation stage, we will carry out first inspection
Interim Surveys
We’ll carry out key inspections throughout the course of the build to monitor processes and standards.
Retrospective Surveys
For completed builds that have no form of structural insurance cover, we will carry out a single inspection to ensure theproperty has been built to a quality standard.
What’s the purpose of a Professional Consultants Certificate?
A Professional Consultants Certificate (PCC) is given as confirmation to a lender that the property has undertaken an inspection by a professional to ensure that it has been built to a satisactory quality of standard.
The PCC was first introduced by the Council of Mortgage Lenders (now UK Finance) in 2000 for use by professional consultants in the construction industry.
A PCC is a faster, cost-effective way of arranging a form of insurance cover for a property under 10 years old that will enable the sale of a property or ensure that an owner is not in breach of mortgage terms by not having a latent defects policy or PCC in place.
A PCC will cover most types of residential properties at any stage of the build and is accepted by over 85% of mortgage lenders nationwide.
A professional consultant will only be able to issue a PCC if they are accredited to a professional industry body such as the CIOB (Chartered Institute of Building) or RICS (Royal Institute of Chartered Surveyors).
They will also;
BE FULLY QUALIFIED
Be fully qualified in experience to monitor the construction and conversion of residential properties.
HAVE MADE PROGRESS CHECKS
Have made progress checks or retrospective checks on the property to ensure that it conforms with drawing plans that were approved under building regulations and also under the building contract.
RETAIN PROFESSIONAL INDEMNITY COVER
Retain a level of professional indemnity insurance to cover the respective liabilities under the certificate.
BE FULLY QUALIFIED
Be fully qualified in experience to monitor the construction and conversion of residential properties.
