PCC for a mortgage
Need a PCC for a mortgage?
Selling a new build or conversion, remortgaging a home you built, or financing a self-build? Here's what lenders usually look for and how to avoid last-minute delays.
Why lenders ask
New homes need evidence they were built properly
When a home is less than ten years old, mortgage lenders usually want independent evidence that it was properly built and checked. That normally means either an insurance-backed new home warranty or a Professional Consultant's Certificate (PCC).
A PCC is common for self-builds, one-off homes and conversions, where a full developer warranty may not be practical. Many UK lenders accept PCCs, but criteria differ between lenders and even between products.
Our advice: before committing, ask your lender or broker to confirm in writing that they'll accept a PCC for this property.
Questions to ask your lender
- Do you accept a PCC for this property type?
- Do you need stage inspections, or is retrospective OK?
- Do you have a required certificate format?
- Is the Building Control completion certificate needed too?
- For self-build: which stages release funds?
Common situations
Where a PCC usually comes up
Selling a new home
Your buyer's lender wants a warranty or PCC before releasing funds. Without one, the sale can stall at the last minute.
Remortgaging
Built your own home and now want to remortgage? The lender will usually want to see a PCC or warranty.
Self-build finance
Staged self-build mortgages often need a PCC arranged before work starts, with sign-off at each stage.
Get your PCC sorted before it holds things up
Tell us the property, the stage and who's asking for the certificate. We'll take it from there.