In the 1985 housing act 26 non traditional PRC house construction were classed as defective which meant these houses are not mortgagable unless the property had the appropriate PRC rebuild has been carried out and the appropriate PRC certificate is in place.
The PRC certificate is issued at the end of the rebuild confirming all the defects have been rectified and that the property is now suitable security for mortgage lending purposes.
The PRC certificate is a standard worded document which was agreed with the Council of Mortgage Lenders.
Mortgage Lenders, surveyors and solicitors require sight of the PRC completion certificate before making mortgage advances on this type of construction.
If you purchased your PRC house from the local authority before 1985 grants were available at that time to have the PRC license rebuild carried out, there are no grants available today.
It is very common fo local councils not to put the PRC certifications in place when they repaired their own stock of PRC houses.
Surveyors for mortgage lenders who are carrying out valuations for mortgage lending seem to ask for a PRC certificate for all houses which are non Traditional / non standard even when the PRC certificate may not be applicable, if you find yourself in this situation please feel free to call for our advice and guidance.
PRC Certificate Bristol and Somerset
Bristol was bombed quite badly during the war, which meant once the war was over there was a need for housing, subsequently this is why there is a large number of PRC houses in the Bristol area.
There is a mixture of privately PRC repaired and council repaired houses in the Bristol.
PRC Certificate London, Essex and Kent
London was also bombed badly during the war leaving a need to build houses quick and efficiently. All over London, Essex, Kent there are a high concentration of PRC house type constructions.
PRC Certificate Leeds, Doncaster, Yorkshire
In Leeds, Doncaster and north Yorkshire there are a large number of Airey house type constructions which is probably due to Sir Edward Airey been a Leeds based house designer and builder.
The majority of these houses have been repaired using a system of repair designed by Leeds City Council. As these properties were mainly council owned and no PRC certificates were issued at the time of repair. To overcome this, we can arrange for the PRC certificates to be issued retrospectively.
The most common types of PRC houses are Airey (26,000 built) Cornish (30,000 built) Unity (19,000 built) Orlit (17,000 built) Reema (17,600 Built) Wates (22,000 built).
All the above properties constructions have PRC rebuild systems in place to rectify the PRC defects.
There are a number of schemes available to repair an Airey House, the main scheme which was used by local authorities across the UK was the Leeds scheme. Available also are the PRC homes license schemes and the Halifax approved schemes. For these schemes we can issue the appropriate PRC certificate.
Cornish houses have mainly been repaired using the PRC homes license schemes. There are several PRC homes schemes for a Cornish house which can be used. All schemes are very similar and are PRC certificate-able schemes.
PRC homes license schemes are available to repair Reema houses, this is an invasive and costly repair.
Available today are mortgage able schemes for Reema houses which are not invasive and so costly. Please call for further details.
Unity houses where mainly repaired by local authorities and home owners using the PRC homes license schemes.
There are three main schemes which were used to repair Wates houses. Many local authorities have used what we term as the Halifax approved scheme to repair there stocks of Wates houses. For these system of repair we can issue the appropriate PRC certificate.