Jim Bulmer
17 Mar 2025
Are you building a new home or developing a property? If you want to sell or secure mortgage finance, you’ll need the right assurances in place.
If you’re a home or property developer, you know that securing a mortgage for a new build isn’t as straightforward as for existing properties. Lenders require reassurance that the building has been constructed to high standards, and that’s where Professional Consultants Certificates (PCCs) and Structural Warranties come in.
In this blog, we’ll explain why PCCs and Structural Warranties are essential for mortgage approval, and how they protect developers, lenders, and buyers alike.
What Are PCCs and Structural Warranties?
Professional Consultants Certificate (PCC) – A 6-year certification issued by a qualified consultant, confirming that a property has been built to appropriate standards. Recognised by mortgage lenders, it provides assurance that the project meets structural requirements.
Structural Warranty – A 10-year insurance-backed policy covering defects in design, workmanship, and materials. A must-have for new builds, it provides long-term protection for homeowners and buyers.
These two options provide different levels of coverage, but both play an essential role when it comes to mortgage lending.
Why are they important for mortgage approval?
1. Lender confidence
Mortgage providers will not lend on new builds or conversions without proof that they meet structural and safety standards. PCCs and Structural Warranties provide this assurance, ensuring lenders minimise their financial risk.
2. Easier & faster sales
If your buyers require a mortgage, they’ll need a PCC or Structural Warranty to secure their loan. Without one, they’ll struggle to get finance – leading to delays, lost buyers, or even failed sales.
3. Compliance with UK lending requirements
Many major lenders, including HSBC, Barclays, and Nationwide, require a 10-year structural warranty or a PCC issued by a qualified consultant. Not having one could limit your market to cash buyers only.
4. Protection against future defects
A Structural Warranty not only helps with mortgage lending but also provides long-term protection against structural issues. For developers, this means reduced liability, and for buyers, it offers peace of mind.
5. Adds value to your property
Buyers feel more secure purchasing a home that is certified and warrantied. Having a PCC or Structural Warranty makes your property more attractive and increases its marketability.
Which should you choose – PCC or Structural Warranty?
PCC: a lower cost option to Structural Warranties, this is often taken up by small-scale developers, self-builders, and conversion projects. Recognised by many lenders and provides 6 years of cover, with any liability for defects resting with the provider of the PCC.
Structural Warranty: Insurance backed and recognised by all lenders - the norm, if you will. Longer term often attractive to developers and lenders.
Not sure which is right for you? Certibuild can help you choose the right solution.
How Certibuild helps
As a team of qualified Approved Building Inspectors, we have years of experience in property inspection. We know property development can be a stressful experience, so we work closely with on-site teams to ensure a smooth and compliant build - removing worry from the process.
Our products are recognised by UK mortgage lenders and are competitively priced. Reach out to us for advice and to achieve the property assurance you need. Any immediate questions? Comment below.
Certibuild. The home of Professional Property Assurance.