Customize Consent Preferences

We use cookies to help you navigate efficiently and perform certain functions. You will find detailed information about all cookies under each consent category below.

The cookies that are categorized as "Necessary" are stored on your browser as they are essential for enabling the basic functionalities of the site. ... 

Always Active

Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.

Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.

Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.

Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns.

9.8 C
Cheshire
Thursday, May 1, 2025

Is a PCC the same thing as a CML certificate?

There are many types of insurance policies involved in the construction, purchase, and ownership of both residential and commercial properties.

When looking for affordable cover for the construction or renovation of a building, which can be transferred between sellers and buyers with the ownership of the building, smaller companies and contractors would often turn to CML certificates.

However, this term isn’t used as much nowadays, with Professional Consultants’ Certificates (PCCs) taking over their market share – but with some referring to them interchangeably, it can lead to confusion about the difference between CML certificates and PCCs.

Here’s what you need to know to clear up that confusion when choosing your cover.

CML Certificate vs Professional Consultants’ Certificate

A CML certificate was a document approved by the Council of Mortgage Lenders, an industry body that advised mortgage lenders in the UK on loans for residential property purchases.

This certificate would be issued and signed by someone qualified to confirm that the property in question had been completed to the required standards for building safety. It was also known as an ‘architect’s certificate’, as architects often provided them.

The Council of Mortgage Lenders and their documents lasted from 1989 to 2017, when it was absorbed into a new trade organisation along with five other financial industry bodies.

As the merged associations became UK Finance, the Professional Consultants’ Certificate replaced the older CML certificate, while still fulfilling the same purpose.

Therefore, you could say that a CML certificate and a PCC are the same thing, but PCCs are the current format that is accepted by UK Finance-approved lenders.

Most building societies and banks in the UK will accept a Professional Consultants’ Certificate if it is provided and signed by an authorised professional consultant, such as a surveyor or engineer, who is registered with an institution that can verify their qualifications.

The issuance and signing of a PCC commits the consultant to maintaining their professional indemnity insurance cover for the duration of the document’s validity, so the building owner can claim against this if a problem arises that resulted from the consultant’s negligence.

Is a PCC the same as a Structural Warranty?

So, while the changing of names after the UK Finance merger can still cause some confusion, a CML certificate is basically the older version of, and outdated name for, the current PCC – but what about building warranties?

No doubt, when researching policies to find the best cover for your project, you will also come across the term ‘structural warranty’ or something similar.

However, this is something completely different to a PCC, which – though PCC providers can also supply structural warranties – does not provide the same service. For example, limited-coverage PCCs last for 6 years only, while structural warranties can cover latent defects for 15 years.

If you want to learn more about the difference between these options and which type of cover would suit your needs best, you should contact leading UK Finance Professional Consultants’ Certificate providers to discuss your build and request tailored quotes.

spot_imgspot_img

Latest

Cheshire College launches preparation podcast for new students

Cheshire College has announced the launch of its exclusive...

Tim Parry Jonathan Ball Foundation set to become grant making organisation

A Foundation set up in memory of two boys killed in...

438 Marketing celebrates 20th year with revenue jump and client wins

Independent brand communications agency 438 Marketing is celebrating 20 years of...
spot_imgspot_img

Newsletter

Don't miss

438 Marketing celebrates 20th year with revenue jump and client wins

Independent brand communications agency 438 Marketing is celebrating 20 years of...

Cheshire College launches preparation podcast for new students

Cheshire College has announced the launch of its exclusive...

Transport DVLA bans more than 500 new number plates

A Freedom of Information request made by private plate...

More News

Transport DVLA bans more than 500 new number plates

A Freedom of Information request made by private plate supplier Regtransfers reveals the banned number plates from the forthcoming  ‘75’ release. These latest plates will...

Sunlight-Based Cancer Defence Discovered by Oxford Team

A research team led by Dr Daniel Chen, from the University of Oxford and biotech firm Oxperial BioHealth, has made a promising discovery in...

How to scale for growth within the tech industry

Scaling a tech company requires more than a great product—it demands strategic planning, talent, and operational efficiency. Rapid growth presents challenges, from maintaining company...