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Professional Consultants Certificates

Lender-ready from the ground up.

Professional Consultants Certificates for builders, developers and self-builders. We inspect as you build, so your buyers get their mortgage and your sale completes.

Get my quote Why you need one
100+lenders on the UK Finance list
£5mprofessional indemnity cover
24hwritten quote turnaround
The lender journey

No certificate, no mortgage. No mortgage, no sale.

Lenders usually need a new home warranty or a PCC before they will lend on a newly built or converted property. Here is where we fit in.

  1. Step 1

    You build

    New build or conversion, one plot or a small scheme.

  2. Step 2

    We audit on site

    Qualified surveyors visit at key stages of construction.

  3. Step 3

    PCC issued

    We sign your certificate at completion, backed by £5m PI cover.

  4. Step 4

    Lender says yes

    Recognised by over 100 lenders on the UK Finance list.

  5. Step 5

    Sale completes

    Your buyer gets their mortgage. You get paid.

Lenders
100+

lenders on the UK Finance Approved Lender List recognise our certificate

Insurance
£5million

professional indemnity cover behind every certificate

Cover
6/10years

choose the term that suits your build and your buyers

Response
24hours

to receive a clear, written quote for your project

The certificate

A signature lenders trust.

A Professional Consultants Certificate is a legally binding document. A qualified surveyor inspects your build as it goes up and confirms it complies with planning permission, building regulations and the building contract.

For small developers and self-builders it is often the faster, more affordable route to a mortgageable home than a traditional structural warranty.

Meets UK Finance
requirements

Professional Consultants Certificate

Property
New build or conversion
Signed by
Qualified surveyor meeting UK Finance requirements
Inspections
On-site audit visits during construction
Insurance
Professional indemnity up to £5 million
Excludes
Garages and commercial property
6/10Year cover
How it works

Quote to certificate. Four steps.

A qualified surveyor visits your site at key stages, records progress and quality, and signs your certificate at completion.

Surveyor in a hard hat and hi-vis vest inspecting a new home with a clipboard
On-site audit visits
  1. 12 minutes

    Request a quote

    Tell us about the project using the form, or call us.

  2. 2Within 24 hours

    Get your quote

    A clear written quote setting out the visits your build needs.

  3. 3During the build

    Site audit visits

    Our surveyor inspects at key stages and records progress and quality.

  4. 4At completion

    Certificate issued

    Your signed PCC, ready for your buyer's solicitor and lender.

Who we work with

Built for the people who build.

Developers

Keep sales moving to completion.

Give buyers' lenders the paperwork they need so completions aren't held up at the last minute.

Self-builders

Make your home mortgageable.

Mortgage, remortgage or sell a home you have built or converted yourself.

Lenders and conveyancers

Certainty on the file.

Signed by qualified surveyors with professional indemnity cover in place.

PCC vs structural warranty

Know what you're buying.

A PCC is not a structural warranty. For many smaller schemes it gives lenders what they need, typically for less. Here is the honest comparison.

PCC from PCC Group

Lender acceptedRecognised by over 100 lenders on the UK Finance list
Typically lower costA more affordable route for small schemes
6 or 10 year termChoose the cover that suits you
Inspected as you buildOn-site audit visits by qualified surveyors
Latent defectsLimited. Claims rely on the surveyor's PI cover
Consumer Code for New HomesNot covered

Structural warranty

Lender acceptedAccepted by most lenders
Typically higher costAn insurance premium on top of inspection
Usually 10 yearsFixed policy term
Inspected as you buildBy the warranty provider
Latent defectsInsured cover for defined defects
Consumer Code for New HomesUsually covered

Lender policies vary, particularly on larger schemes. Always check your buyer's lender will accept a PCC for your development before you commit.

FAQs

Questions builders ask.

Can't see your question? Call a surveyor on 0151 837 5039.

Why do I need a PCC?

Lenders usually need a newly built or converted home to have an approved new home warranty or a Professional Consultants Certificate before they will lend on it, including Buy to Let mortgages.

Which lenders accept your certificate?

Our certificate is recognised by over 100 lenders on the UK Finance list (formerly the CML). Policies change and some limit the number of units, so always check with the buyer's lender.

How quickly will I get a quote?

Usually within 24 hours. Fill in the form or call us on 0151 837 5039.

How many site visits are there?

We carry out on-site audit visits at key stages of construction. Your quote sets out the visits for your project.

Is a PCC the same as a structural warranty?

No. A PCC is a certificate from a qualified professional, not an insurance policy. It has limits on legal cover and on protection against latent defects.

Does a PCC meet the Consumer Code for New Homes?

No. This may matter for some properties and buyers, so check your sales and lending requirements.

What is not covered?

Garages and commercial properties.

How long does the certificate last?

Choose 6 or 10 years of cover from the date of the certificate.

Your build, lender-ready.

Request your PCC quote and hear back within 24 hours.

Get my quote

or call 0151 837 5039