Jim
5 Nov 2025
Lender Requirements Explained
Whether you’re delivering a single infill plot or a small multi-unit scheme, your lender’s priority is clear: they want independent assurance that the structure has been built to recognised standards and will perform over time. That assurance typically comes via a structural warranty or a Professional Consultants Certificate (PCC). This guide explains what lenders look for, the practical differences between warranties and PCCs, and how to streamline approvals so you can focus on finishing and selling.
What lenders need and why it matters
- Independent assurance: Lenders look for third‑party validation that construction quality and compliance have been properly overseen, separate from the builder or developer.
- Recognised cover and documentation: Evidence must be credible, clear, and issued by qualified professionals that lenders accept.
- Risk reduction: Warranty or certificate evidence helps lenders release funds with confidence and helps buyers secure mortgages without delays.
What is a structural warranty?
A structural warranty is an insurance-backed policy designed to protect against defined structural defects for a multi‑year term. For developers and homeowners, it provides long‑term peace of mind, supports mortgage approvals, and helps smooth the sales process. CertiBuild provides Structural Warranties backed by FCA‑regulated providers, giving lenders confidence that cover is issued by regulated insurers and supported by rigorous processes.
When a structural warranty is a strong fit
- New builds and larger conversions where lenders expect insurance‑backed cover
- Developments where buyer mortgages are a priority from day one
- Projects that benefit from the additional reassurance an insurance policy provides to all parties
What is a Professional Consultants Certificate (PCC)?
A PCC is a lower‑cost alternative to a structural warranty that provides lender‑focused assurance, particularly suitable for smaller developments or extensions. CertiBuild’s PCCs are delivered by qualified Approved Building Inspectors and can be issued with either 6‑ or 10‑year terms to align with lender expectations and project needs. This keeps costs proportionate while still providing recognised, third‑party documentation for lenders.
When a PCC is a strong fit
- Smaller new builds, refurbishments or extensions where cost control matters
- Projects where lenders accept a PCC instead of a structural warranty
- Situations where you want professional oversight and timely certification from qualified inspectors
Important note: Lender acceptance policies vary. Many lenders accept either a structural warranty or a PCC; always confirm your lender’s specific requirements early in the project.
Structural warranty vs PCC: how to decide
- Project scale and risk profile: Larger schemes or complex structures may be better served by an insurance‑backed warranty. Smaller or lower‑risk projects may suit a PCC.
- Lender policy: If a specific funder mandates insurance‑backed cover, a structural warranty is the straightforward route. If a PCC is acceptable, it can be a cost‑effective alternative.
- Buyer journey: If you plan to sell quickly post‑completion or anticipate mortgage-sensitive buyers, a structural warranty may simplify the path to exchange and completion.
What lenders typically review
- Who issued the cover: Look for FCA‑regulated warranty providers or PCCs issued by qualified professionals.
- Term and scope: Multi‑year coverage for structural elements, with clear terms presented in the policy or certificate.
- Inspection and evidence: A clear record of site inspections and compliance oversight during construction.
- Documentation quality: Clear, professionally prepared documents that lenders and conveyancers can assess quickly.
How CertiBuild streamlines lender approvals
- Independent, qualified expertise: CertiBuild’s services are delivered by experienced Approved Building Inspectors, providing lenders with confidence in the oversight and documentation.
- Choice of assurance routes: Structural Warranties backed by FCA‑regulated providers, or PCCs as a lower‑cost alternative with 6‑ or 10‑year terms.
- Simple, transparent process: Quote → Inspect → Certificate. Share drawings, planning consent, and project details; we schedule inspections; then we issue the reports and certificates your lender needs.
- Expert delivery with a personal touch: The CertiBuild team works collaboratively with architects, builders, and developers to keep projects moving smoothly.
- Proven client experience: “Certibuild were always quick to respond… and were most helpful guiding us through the build from start to finish” — Oliver, self‑builder.
Developer checklist: get lender‑ready
- Confirm lender policy: Do they accept a PCC, or do they require an insurance‑backed structural warranty?
- Choose your assurance route: Warranty or PCC aligned to project size, risk, and budget.
- Engage early: Involve your assurance provider before first fix to avoid delays at completion.
- Prepare your documents: Drawings and planning consent; site and contact details; project scope and timelines.
- Plan inspections: Schedule site visits to document compliance and quality at key stages.
- Keep the paper trail clean: Maintain inspection records and share final reports promptly with your lender and conveyancer.
For lenders: what to expect from CertiBuild documentation
- Clear, professional reports from qualified inspectors
- Multi‑year term options (PCCs with 6‑ or 10‑year terms) aligned to policy needs
- Structural Warranties delivered via FCA‑regulated providers
- A responsive team for clarifications, helping your underwriters and conveyancers progress cases faster
When to engage CertiBuild
The earlier you involve your assurance partner, the easier it is to plan inspections, avoid rework, and ensure lender acceptance without delays. Whether you select an insurance‑backed structural warranty or a PCC, early engagement reduces risk and accelerates drawdowns, sales, and completion. Seek advice early.
Conclusion and next steps
Choosing the right assurance pathway isn’t about ticking a box; it’s about aligning lender expectations, project risk, and budget so you can sell with confidence and complete without surprises. CertiBuild provides both routes - Structural Warranties backed by FCA‑regulated providers and PCCs issued by qualified Approved Building Inspectors - so you can match cover to the project and keep your lender satisfied.
Request a free quote and confirm lender requirements for your project today. Message our team to discuss which route - Structural Warranty or PCC - is right for your scheme.