From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to www.ukfinance.org.uk for wider content and updates from UK Finance.

Lenders will generally only lend on a newly built (or newly converted) property where the property is covered by a warranty scheme (for example, NHBC warranty) or the Professional Consultant's Certificate (PCC). The PCC is for use by professional consultants when designing and/or monitoring the construction or conversion of residential buildings.

The purpose of the PCC is to confirm to the lender (or its conveyancer) that a professional consultant:

  • has visited the property to check its progress of construction, its conformity with drawings approved under building regulations and its conformity with drawings/instructions issued under the building contract;
  • will remain liable to the first purchasers and their lender and subsequent purchasers and lenders for the period of 6 years from the date of the certificate;
  • has appropriate experience in the design and/or monitoring of the construction and conversion of residential buildings; and
  • will keep a certain level of professional indemnity insurance in force to cover his liabilities under the certificate.

For the purpose of the PCC, a professional consultant must belong to one of the professional bodies listed in section 6.7.4 of the UK Finance Mortgage Lenders' Handbook England and Wales and Scotland (for example, fellow or associate of the Royal Institution of Chartered Surveyors) or section 6.6.4 of the the UK Finance Mortgage Lenders' Handbook Northern Ireland and Isle of Man

The Lenders' Handbook provides comprehensive instructions for conveyancers acting on behalf of lenders in residential conveyancing transactions. Lenders' full new build requirements are set out in section 6.7 of the UK Finance Mortgage Lenders' Handbook England and Wales and Scotland and section 6.6 of the UK Finance Mortgage Lenders' Handbook Northern Ireland and Isle of Man. 

Completing the certificate

The PCC can be downloaded as a pdf document below. Please print out the form and fill in by hand. If you experience any problems using the form please contact your IT department to check your Adobe version/settings.