PRC Certificates Ltd

Our industry expertise allows us to share our knowledge and guide you through the PRC process, from identifying construction types, to the initial purchase of a PRC Home, to providing certification by top class Structural Engineers for mortgage purposes. * PRC Certificates *

PRC home owners, purchasers and/or investors, will be asked to provide PRC Certification if they wish to sell their propert

y, purchase a property, release Equity or raise finance through Banks or Building Societies. The majority of Mortgage Lenders will not lend on PRC homes unless a structural repair has been carried out in accordance with a recognised PRC Licensed repair scheme and overseen by an approved PRC Inspector. Banks and Buildings Societies will ask for legal evidence in the accepted format of a PRC Certificate of Structural Completion issued by a fully qualified and experienced PRC Structural Engineer. See repairing your property.


* Retrospective PRC Certification *

Retrospective PRC Certification can only be issued if the repaired PRC property conforms to a recognised repair scheme. Occasionally we find that a partial repair has been carried out and with a small amount of works the property can be upgraded to full certification to provide full mortgageability. In these cases an initial inspection would be required to ascertain the works and costs required to advise you of your options. In many cases certificates and other documents regarding the repair have been lost, defaced or discarded over the years. Whatever the issues the problem CAN generally be overcome. If you are offered a PRC Certificate that does not confirm the property has been repaired to the correct standard then please contact us or seek other professional advice before committing to purchase. Professional advisors should be particularly careful as we are aware of a spate of negligence claims, many due to unqualified inspectors signing off repairs. You should check to see if the PRC Certificate is an original or a copy, and has been issued by a qualified PRC Structural Engineer? If the PRC Certificate has been issued retrospectively, what investigations were carried out to ascertain the validity of the repair? We would be happy to check your certification on your behalf.



* General Certificates *

General Certificates can be issued following an intrusive inspection of a properties structure if/when a Bank or Building Society require a structural integrity report and certification, carried out for a Non PRC property. There are hundreds of different types of non-traditional properties all over the country, some well constructed are acceptable to Lenders. Others have been built of poor quality materials and are more partial to decay and deterioration.