Professional Consultants Certificate (PCC) – UK Lender Approved
Looking for a reliable alternative to Structural Defects Insurance? We provide Professional Consultants Certificates (PCC) accepted by major UK lenders.
- 6 or 10 Year Option Available
- Fast Turnaround
- Clear, Fixed Pricing
⏰ Quick response. No obligation.
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About PCC
What Is a Professional Consultants Certificate (PCC)?
A Professional Consultants Certificate (PCC) is an alternative to a structural warranty, used for newly built or recently converted properties.
It confirms that:
- The property has been inspected during construction
- Work has been carried out to an acceptable standard
- A qualified professional has overseen the build
👉 It is often required by lenders when a 10-year warranty is not available
Construction Oversight
Issued by a RICS-regulated professional who has monitored the build process from foundation through to completion.
Lender Recognition
Accepted by the majority of UK mortgage lenders as a valid alternative to a structural warranty.
6 or 10 Year Coverage
Choose from a 6-year or 10-year certificate depending on your lender’s requirements and project type.
Eligibility
When Do You Need a PCC?
A PCC may be required in a number of common property and build scenarios.
You are building a new property
You have completed a conversion (e.g. house → flats)
You don’t have an NHBC or structural warranty
Your lender requests certification before mortgage approv
Why MSR Surveying
Why Choose MSR Surveying for PCC?
We keep it simple, fast, and compliant.
RICS Regulated Surveyors
Qualified professionals trusted across the UK
Lender-Approved Format
Accepted by major UK mortgage lenders
Fast Turnaround
Avoid delays in your project or sale
Clear Process
No confusion — we guide you step-by-step
How It Works
Our PCC Process (Simple & Clear)
Three straightforward steps to your certificate.
1
Step 1 – Send Project Details
Share your drawings, build stage, and location
2
Step 2 – Review & Inspection
We assess your project and carry out required checks
3
Step 3 – Certificate Issued
Receive your PCC once requirements are met
👉 Simple. Fast. Reliable.
Mortgage Lenders
What Lenders Look For
Lenders require reassurance that your property meets their standards before approving a mortgage.
The property has been built to a reasonable standard
A qualified professional has monitored construction
Risks are reduced compared to uncertified builds
👉 A PCC helps meet these requirements and move your purchase forward
Comparison
PCC vs Structural Warranty
Understand the key differences to choose the right solution for your project.
| Feature | PCC | Structural Warranty |
|---|---|---|
| Time to Obtain | Faster to obtain | Takes longer |
| Cost | Lower cost | Higher cost |
| Coverage Type | Covers certification | Includes insurance |
| Lender Acceptance | Accepted by many lenders | Widely accepted |
👉 PCC is ideal when a warranty is not available
FAQs
Common Questions
Most UK lenders accept PCCs, but requirements may vary
It depends on inspection stages and documentation — contact us to review your case.
Most cases are handled quickly depending on project details.
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