- Project plans
- Project activities
- Legislation and standards
- Industry context
- Specialist wikis
Last edited 22 Feb 2021
Professional consultant's certificate
New properties may be provided with a Professional Consultant's Certificate (PCC) by the professional consultants who designed and/or monitored the construction of the property. Lenders will generally only lend against a newly built or converted property if it is covered by a 10 year warranty or by a PCC.
A PCC provides evidence that a professional consultant has inspected the construction works to ensure they conform with the specification and with legal requirements such as the building regulations. This requires that the consultant has appropriate experience of such works. To qualify as a ‘professional consultant’, consultants must belong to one of the bodies listed in the UK Finance Mortgage Lenders' Handbook.
The consultant remains liable to current and future owners of the property under the certificate for 6 years from the date on the certificate and must maintain adequate professional indemnity insurance to cover this liability.
It is recommended that consultants make clear to owners the limitations of PCC’s and that they keep thorough records of what they did and did not inspect during the works, and the reasons for this. They should also verify they have the appropriate professional indemnity insurance, and maintain this for the period of liability.
PCC’s may be cheaper than warranties, but they will generally provide less cover – only giving the right to sue the consultant if they have negligently issued the certificate. In contrast, a warranty will generally last longer and does not require that blame is proved. An alternative might be the provision of a collateral warranty in favour of the owner or occupier.
 Related articles on Designing Buildings Wiki
- Bonds v guarantees.
- Breach of contract.
- Collateral warranty.
- Fit for purpose.
- Latent defects.
- Patent defects.
- Reasonable skill and care.
 External references
Featured articles and news
IHBC publishes response to consultation.
Institute applauds funding initiatives but presses for additional retrofit and tax measures.
The switch from analogue to digital has begun.
The fourth industrial revolution is well underway.
Free online resource will offer guidance on conserving places and the planet during COP26.
Government allocates additional money for building new homes on derelict land.
Smart built environments can be designed around the requirements of real people.
Consistency is at the core of realistic strategies.
Entries being accepted until 20 November 2021.