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.

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