Looking for a reliable alternative to Structural Defects Insurance?
Our Professional Consultants Certificate (PCC), also known as an Architect’s Certificate, offers fast, secure cover for new build and conversion projects. With options for 6 or 10-year cover, every certificate is fully compliant with UK Finance requirements and accepted by major mortgage lenders.
At PCC Group, we combine expert technical knowledge with unrivalled service to deliver affordable, streamlined solutions. All projects are professionally monitored and supported from start to finish, giving you and your stakeholders complete peace of mind.
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Frequently Asked Questions
What is a PCC?
A Professional Consultants Certificate (PCC), formerly known as an Architect’s Certificate, is a recognised document developed by UK Finance to standardise the certification process for newly built or newly converted residential properties. It must be completed and signed by a qualified and registered professional, such as a surveyor (CIOB) or architect (ARB), to be considered valid.
The PCC provides mortgage lenders with assurance that the property has been monitored throughout construction in accordance with accepted industry standards.
Why Should We Use The PCC Group?
Choosing The PCC Group Limited means partnering with a trusted specialist in Professional Consultants Certificates (PCCs), also known as Architect’s Certificates. We offer fast, compliant, and UK Finance-approved certification for newly built or newly converted residential properties, helping you meet lender requirements with ease. Our certificates are signed off by qualified professionals, ensuring full compliance and reliability.
With years of industry experience and a focus on service and efficiency, we provide a seamless process from instruction to completion. Whether you’re a developer, homeowner, or lender, The PCC Group is your go-to provider for peace of mind, competitive pricing, and certification you can trust.
What is the difference between a structural defects warranty and a professional consultants certificate?
A Professional Consultants Certificate (PCC) is not the same as a Structural Defects Warranty. While both are used to satisfy lender requirements for new builds or conversions, a PCC offers limited legal protection and does not provide the same level of cover for latent structural defects. Structural Defects Insurance gives long-term peace of mind with a 10- or 12-year policy backed by an insurer, covering major issues that may arise after completion.
In contrast, a PCC simply confirms the property has been monitored by a qualified professional, offering basic recourse through professional indemnity insurance. When deciding between a Structural Warranty and a PCC, it’s vital to consider the level of protection required for your build or investment.
Why do I need a PCC For a newly converted residential property?
A Professional Consultants Certificate (PCC) is essential for newly converted residential properties, as it’s recommended under the UK Finance (formerly CML) guidelines for mortgage lending. While some lenders may have previously taken a more relaxed approach, recent shifts in lending criteria over the past 12–18 months mean many are now strictly requiring a valid PCC to proceed. Having a PCC in place ensures your property meets lender expectations and helps avoid delays in the sales or remortgaging process.
Our Benefits
Flexible Cover
Period
Choose from 6 year or 10 year coverage, depending on your project’s needs, giving you the flexibility you require.
Versatile
Coverage
Suitable for both new builds and conversions, ensuring that a wide range of projects can benefit from our coverage.
UK Finance
Recognised
Our PCC is recognised by over 100 UK lenders listed on the UK Finance Approved Lender List (formerly the CML), making it easier to secure financing.