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Yearly Archives: 2016



2016 CPD Meeting


A great day was had by all on our 5th annual CPD day last Friday.

Our surveyors from all over the UK met in our Manchester events room to receive 5 hours of useful CPD and also a very nice lunch. We heard about straw bale construction, changes to the building regulations, risk avoidance, modular construction and  current news within the warranty market.


Published Date: 6th December 2016
Category: Uncategorized



BREXIT: 6 months on

Six months on from the pivotal referendum result and the UK electorate are slowly starting to understand what being outside of the EU may look like.  Theresa May has stressed that the UK will have control of its boarders and maintain sovereignty, but has failed to deliver any details for a reassurance of the economic outlook…

The economy has slowed slightly but by nothing like as much as feared and the Office for National Statistics has said that “the pattern of growth continues to be broadly unaffected following the EU referendum”.

However, we have not left the EU yet and the pattern is an unbalanced one, the only sector of the economy that continued to grow was services up by 0.8%; agriculture, manufacturing production and construction all shrank. Also, it is that very services area that we might lose once we exit the EU with many banks and financial institutions considering relocating to mainland Europe.

Brexit supporters will take these figures as a sign that warnings about the economic costs of voting to leave the EU were nothing more than scaremongering. Remain supporters will argue that they were warning about potential damage over a period of several years. They say that only prompt action by the Bank of England saved deeper damage to the economy and that worse is to come.

While growth in the services sector was robust, the construction sector contracted by 1.4% and industrial production fell 0.4%, with manufacturing output down 1%.

UK construction shrank at its fastest pace since 2009 after the UK voted to Leave the EU in June.

The figures offer little comfort to prospective homeowners after a damning report from the Resolution Foundation revealed that home ownership has fallen to its lowest level for 30 years. The research shows supply has failed to keep pace with demand in the UK, shutting buyers out of the market.

Slowing house prices are helping first-time buyers

Slowing house price growth since the vote for Brexit vote is helping first-time buyers get on to the property ladder, according to the National Association of Estate Agents (NAEA).

After falling in September, the proportion of homes bought by first-timers last month hit 32 per cent – a rise of nine per cent to the highest figure since records began in 2000, says The Times.

In the wake of reports from Nationwide and Halifax showing rapid house price growth cooling, added the paper, “Mark Hayward, managing director of the association, said that this could be down to… houses appearing more affordable to buyers”.

First-time buyers are also benefitting from record lows for mortgage rates and a return of 100 per cent loans, including one launched by a regional building society this week using the homes of the buyers’ parents as security.

Market Harborough Building Society’s “family assistance mortgage” follows Barclays’ 100 per cent “family springboard mortgage”, which similarly uses parents’ deposited cash as security.

While house prices are slowing, they are still rising, in defiance of analyst predictions prior to the EU referendum. The NAEA report suggests this will continue.

The number of properties being offered for sale grew 7.5 per cent to 43 per estate-agent branch, offering a welcome sign of confidence returning since the Brexit vote.

But at the same time, the number of buyers seeking a property rose 32 per cent to 440 per branch, the highest since February. There are now more than 10 prospective buyers for every house for sale in the UK.

A shortage of supply is constantly cited as the main reason for consistent house price rises in recent years.

“After shrugging off the uncertainty, we have seen an increase in supply and a rise in the number of sales to [first-time buyers] this month – proof the market is beginning to bounce back,” Hayward said, reports FTAdviser.

“Clearly what we need now, though, is a clear plan as to how the government is going to tackle the chronic shortage of homes that we are facing.”



Published Date: 30th November 2016
Category: Uncategorized



BREXIT should we be worried?

“Brexit” is not a disaster for the world economy

Once the dust has settled, the global economic implications of the UK’s vote to leave the European Union are likely to prove much less dramatic than many had suggested during the past few weeks. The adverse effects on the UK itself and the direct impact on other European economies should be small.

And there may be some offsetting benefits for the global economy, including looser monetary
conditions. However, the long-term political consequences could turn out to be far more significant.
The immediate focus is on the market turmoil triggered by the UK vote to leave the European Union. At the time of writing, sterling is down by around 8% against the dollar (compared to yesterday evening) and European equity markets have fallen by 5-10%. These are big moves for a single day and, if they are sustained, will have a negative impact on sentiment. However, the fall in sterling should not have any implications for the world economy as a whole. And the knock-on effects of falling asset prices for the economy need not be huge. After all, equity markets in advanced economies fell by over 20% in the first six weeks of this year but this did not trigger a recession, and these moves were soon reversed.

In brief, we think the adverse effects for the UK itself will be smaller than widely feared. It is likely that the process of leaving will not be initiated until October this year and that the UK will remain an EU member for at least two years after that. Investment may be weaker than it would otherwise have been – although note that officials are already trying to boost sentiment by stressing that Brexit is not, after all, the end of the world. But consumer confidence
should hold up well given that 52% of the electorate actually voted to leave the EU. Finally, while a sustained and large fall in sterling would lead to higher import prices, inflation should remain low by past standards, and a more competitive currency would give a boost to exports.

If we are right about the implications for the UK, it follows that the direct economic impact on the rest of the European Union should also be small. Indeed, even if the hit to the UK turns out to be much bigger than we anticipate, the consequences for other European economies need not be large because –
other than for Ireland – exports to the UK typically account for less than 3% of GDP.

Moreover, there are some silver linings. For a start, global monetary conditions may well be looser than they would otherwise have been. The Bank of England is likely to keep interest rates low for longer and, if necessary, may even announce further policy easing. The ECB will also be willing to consider not just an extension of its asset purchase programme but an increase in its size.

The UK referendum will not be a game-changer for US monetary policy, although it probably rules out a July rate hike. After all, Fed officials have cited the risk of a Brexit as a factor behind their decision to leave rates on hold in June and they may want to see how things pan out in the coming months before tightening policy. This has already been reflected in a fall in OIS rates and ten-year US Treasury yields, which have declined from around 1.75% yesterday to 1.5%. Brexit has also strengthened the case for further policy easing in Japan because of the appreciation of the yen.

Overall, therefore, the world economy should be able to weather the shock of the UK voting to leave the EU fairly well. Over the long run, the more important consequences may turn out to be political. Opinion polls show high levels of demand for a referendum on EU membership in France, Italy and the Netherlands; such demands may now be harder to resist. (See our European Economics Update, “UK vote to leave EU raises doubts over future of Europe,” also published today.) Moreover, even if the rest of the EU holds together, its members may struggle to agree on further reforms, including those which are necessary to sustain the monetary union.

Finally, the referendum result will exacerbate concerns that support for populist movements
elsewhere will continue to grow. This could prevent further progress with trade agreements such as TPP and TTIP and potentially reverse some of the liberalisation which has taken place in past decades. Support for Brexit in the UK and for Donald Trump in the US taps into the same concerns about the impact of globalisation and rising inequality. But parallels between the two movements are not as close as many assume, because the Brexit campaigners have argued for more, not less, free trade. For now, at least, fears of a wholesale reversal of globalisation appear over-stated.

Andrew Kenningham Senior Global Economist (+44 (0) 20 7808 4698,


Published Date: 15th July 2016
Category: Uncategorized



Professional Consultants Certificate Ltd sponsor local charity ball

On Friday 24th June we were delighted to support the Bowdon prep School Ball raising money for a local charity CAFT (The Children’s Adventure Farm Trust) who organise special events and holidays for disabled and disadvantaged children.

A fabulous time was had by all from the celebrity compare Mike Toolan, Can Can Girls, Accordionist Yvette and the infamous ‘Chamber Choir’ presented by Mrs Patterson.

The event raised in excess of £16,000.

Professional Consultant Certificate Ltd offer home warranties for new and converted properties


Published Date: 11th July 2016
Category: architects certificate news, Home warranty, Professional Consultants certificates



Cheaper alternative to NHBC 10 Year home warranty

Need a cheaper Home Warranty than NHBC offer? have been supplying 6,10 and 12 year cover for new homes since 1989. They are often over 50% cheaper than NHBC. Please get a quote today.




Published Date: 22nd June 2016
Category: Cheaper than NHBC, Home warranty



Home Warranty – do I need one?

Home Warranty’s are important when you are buying or building a brand new home. Mortgage and lending companies need to understand the home they are lending on has been built correctly and they are minimising any risk of the home not being ‘fit for purpose’.

300dpi300x250bannerbuildingwarrantyCompanies such as offer home warranties as well as professional consultants certificates which are Council of Mortgage Lender (CML) approved, these are a good and often much cheaper alternative to those offered by companies such as NHBC.


Published Date: 8th June 2016
Category: New Home Warranty Insurance



Self Build Checklist

Building your own home is a dream many have please use this self build checklist to help with your planning. One important element which many self builders forget is getting a house warranty to ensure you can raise a mortgage on your new home. To secure a mortgage you can get a 6 year year professional consultants certificate or a more comprehensive 10 year home warranty.



Published Date: 18th May 2016
Category: self build checklist, self building first time buyers



Can your buyer get a mortgage on the house you are building?

Getting a mortgage on a new build house can sometimes be difficult.

To be sure you can get a mortgage it is often necessary to have a home warranty or professional consultants certificate which is CML (Council of Mortgage Lenders) Approved.

Larger home builders typically arrange for new build homes to be covered by NHBC cover. It is often cheaper though to ‘shop around’ for other suitable home warranty’s which the CML also approve. This will be of particular interest to smaller builders building just one or two new homes and self builders.

Companies such as Professional Consultants Certificates Ltd offer both professional consultants certificates and long 10+ year home warranty’s. These are often over half the price of NHBC cover and are well worth investigating.


Published Date: 16th May 2016
Category: New Home Warranty Insurance, Professional Consultants certificates



Commercial Property Warranty

Professional Consultants Certificate Ltd.

We now offer Commercial warranty.


All of our services, certification and warranty are now available for commercial property. This is particularly useful in the cases where a residential development sits on top of a commercial unit such as retail, childrens’ nursery, cafe etc. We can insure buildings up to £5 million Rebuild Value.


Published Date: 28th January 2016
Category: building warranty, commercial



Residential Real Estate Development in Manchester Tops Pre-Recession Days


Come to Manchester for residential real estate opportunities!

The number of properties currently under construction are at their highest levels since 2008. The Annual Crane Survey by Deloitte Real Estate indicates a clear agenda of development and growth for the Northern and City Centre areas. They are also indications that 2016 will be the busiest building period since prior to the recession. Active residential developers in and around Manchester include Beech Properties, De Trafford Estates, English Cities Fund, Lend Lease, Pinnacle MC Global, Renaker and the Select Property Group.

Here at PCC Ltd we advise for and provide warranty for all residential development and look forward to a very busy 2016.


Published Date: 28th January 2016
Category: building warranty, New Home Warranty Insurance
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