Professional Consultants Certificate (PCC)
Previously known as an Architect’s Certificate or a CML Certificate (Council of Mortgage Lenders), the UK Finance Professional Consultants Certificate (PCC) is now the industry standard for newly built or converted properties. It must be issued by a qualified professional, such as an architect or surveyor.
If you plan to secure a mortgage for your property purchase, you must provide evidence that the construction meets accepted building standards. Most mortgage lenders require proof, such as a PCC or a 10-year Structural Warranty, before approving a loan.
A Professional Consultants Certificate is also essential if you intend to re-mortgage, sell, or rent the property under a Buy-to-Let mortgage. Valid for six years from the date of issue, the PCC is granted after a final inspection by a qualified surveyor, confirming the satisfactory completion of the works.
FAQS
How long is a PCC valid for?
A PCC is valid for six years from the date of issue.
Who can issue a PCC?
A PCC must be issued by a qualified professional, such as a Chartered Architect, Chartered Surveyor, or Chartered Engineer, who has appropriate professional indemnity insurance.
Can I use a PCC instead of a structural warranty?
Yes, but it depends on the lender. Some mortgage lenders accept PCCs as an alternative to a structural warranty, while others may require a full 10-year warranty.
How long does it take to obtain a PCC?
The process can take a few days to a couple of weeks, depending on the availability of documentation, site inspections, and report preparation.
How do I apply for a PCC or warranty?
You can apply through our website or by contacting our team. We will guide you through the process, including any necessary inspections and documentation requirements.
