Short answer: No. An architect’s certificate — formally a Professional Consultant’s Certificate (PCC) — is not the same as a structural warranty. A PCC is professional assurance that a qualified consultant has monitored the build and that it aligns with plans and regulations, typically for a shorter period. A structural warranty is an insurance-backed policy that usually protects against major defects in design, workmanship and materials for around 10 years and is generally transferable to new owners.

 

Why this question matters

If you plan to sell or remortgage, many UK lenders expect a 10-year structural warranty on new homes. While some may accept a PCC in certain situations, a structural warranty typically offers broader protection and smoother resale because cover is insurance-backed and designed to meet lender expectations.

What is a structural warranty?

What is an architect’s certificate (PCC)?

A PCC (formerly known as an architect’s or CML certificate) is issued by a suitably qualified professional (e.g., architect or surveyor) to confirm that the property was monitored and built in accordance with approved plans and building regulations. It is not a structural warranty or latent defects insurance, and claims typically rely on demonstrating professional negligence rather than an insurance promise to pay for covered defects.

PCC vs structural warranty — the essentials

Feature Structural warranty (ABC+) Architect’s certificate (PCC)
Type of protection

 

 Insurance-backed latent defects cover

 

 Professional assurance/liability

 
Covers workmanship & materials

 

 Yes, within policy terms

 

 Generally no

 
Covers design issues

 

 Yes, within policy terms

 

 Limited (professional liability)

 
Typical duration

 

 ~10 years

 

 Shorter period

 
Claims route

 

 Insurer (no need to prove negligence for insured defects)

 

 Usually must evidence negligence

 
Transferable to buyers

 

 Typically yes

 

 Not designed as transferable insurance

 

Faq

Will a PCC satisfy my mortgage lender?
Some lenders may accept a PCC in specific circumstances, but many expect a 10-year structural warranty on new homes. Always check your lender’s requirements early.

Do I still need home insurance if I have a structural warranty?
Yes. A structural warranty covers latent structural defects; home insurance covers everyday risks (e.g., fire, escape of water, theft, accidental damage). They serve different purposes.

When should I arrange a structural warranty?
As early as possible — ideally before construction starts — so technical checks can be scheduled at key stages and your cover aligns with the build from the outset.

What does “latent defect” mean?
A hidden structural fault that wasn’t apparent at completion but appears later — often due to design, workmanship or materials. Structural warranties are intended to protect against such risks (policy terms apply).

Are ABC+ warranties acceptable to lenders?
ABC+ indicates its certificates and warranties are designed to be accepted by mortgage lenders and provides an approved lenders list; acceptance is ultimately at each lender’s discretion.

Next steps

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