Concrete Houses and PRC certification problems

Udhi · 18 Jun 2008

Hello,
I have a refurbished concrete built house - I am not sure of the type, but it had all the outer walls removed and rebuilt with bricks and motar in 1995, by the previous owner. The local County Council had given the house a BRC (Buildings Regulations Certificate) at this time. But it never came with a NHBC PRC certificate, it seems.

The buyers for my house has had the carpet pulled out from under them by their mortgagers. The lender is asking for a PRC cert, now.

There muse be a system out there which is present to sort out this problem, only problem is I cannot trace it.

Is there a company or system that will carry out a full survey of my hovel and give me a PRC cert or a cert of the same power that would sort out similar fears of mortgagers?

TIA
Udhi

Ta
Udhi

Shytalkz · 18 Jun 2008

Can you post a pic on here?

Udhi · 18 Jun 2008

Shytalkz · 18 Jun 2008

Couldn't say for sure which flavour it is. Ring the local authority structures department, or Building Control, they should be able to tell you what it was/is.

TRy and get the purchaser to sniff out another lender: could try via this lot, for example.

^woody^ · 18 Jun 2008

The Housing Department is the best place to ask as they should have a list of the non-traditional properties built by them, their types and known issues

Many system built properties have known faults which have or will require extensive remedial work, that is why lenders wont borrow on the property as they wont get their money back if you default.

The buyers should be coaxed to a lender who will lend on this type of property.

But, a proper survey by a suitable person should be enough to establish that the property is good to lend against - this is exactly what a PRC certificate will do. The BC completion certificate should also be enough.

If you google "PRC certificate" then a company does come up who appears to specialise in this work. I don't know them or of them, but by using "PRC" in their company name, it does appear that they are trying to appear to be the company who built all these properties and so smacks of "cashing in" - but if their costs are reasonable then they could be the ones to help

Udhi · 18 Jun 2008

Thanks for thelinks and advise, guys - I will get on it immediately.

Udhi

Shytalkz · 18 Jun 2008

^woody^ said:
If you google "PRC certificate" then a company does come up who appears to specialise in this work. I don't know them or of them, but by using "PRC" in their company name, it does appear that they are trying to appear to be the company who built all these properties and so smacks of "cashing in" - but if their costs are reasonable then they could be the ones to help

I think that that is the company which is owned by the NHBC...

Udhi · 18 Jun 2008

PRC is itself thought to have folded in around 1995. But the mortgagers are still looking for PRC certification which doesnt make sense.

Added to the fact that PRC certification was a 10 year guarantee?? So any guarantee given by them is long since expired.

Shytalkz · 19 Jun 2008

Half the time, they don't know why they are asking for what they are asking. And "non-standard" makes them very nervous, for some reason, so they ask for things that have no meaning, but make them feel warm and cosy inside.

jimbobmills · 26 May 2009

looks like my house. Maybe its a unity house. It looks really nice to.

A renewel PRC certifcate can be obtained. Normally they call out an engineer to check out all the repairs and give it a yay or nay.

Only one I know of is that does that is

http://landmarkprc.co.uk They have linfo on the subject.

Hope that helps

Tretower · 25 Jun 2009

Interesting post.

I have just had a re-mortgage application turned down by Scottish Widows on the basis they did not accept the standard of construction.

Now I presented them with letter from a structural engineer confirming that the property had been re-build in accordance with The Housing Defects Act 1984 and a completion certificate from the LA, which they seem to have ignored!

Having looked at the The Housing Defects Act 1984, this was a scheme to enable to lending against re-built properties.

So I am wondering whether Scottish Widows are not acting in the spirit of Act are obliged to accept this evidence !?

^woody^ · 25 Jun 2009

Scottish Widows, and any other lender is entitled to make a commercial decision as to who and what they lend money for.

It the same as insurers only insuring certain drivers - its up to them what risk they want to take

jimbobmills · 29 Jun 2009

If the high standard is there with the correct brick up and extended foundations then a PRC certificate would allow a 100% normal mortgage. Unless of course there are exceptions

Some are repaired by the council. (they dont give out prc certificates)
Bricked up by a previous owner (no chance on obtaining a mortgage there)

Any prc repairs IF done by the right company and it's issued a 60 year guarantee then there should be no problems what so ever. If Scottish widows ignore this it might not be down to just a PRC certificate.. I doubt they would ignore it (especially if it is a 60 year prc certificate). There might be non disclosed issues regarding the lending on the individual more than just the structural elements.

Only way is to find out and be direct with whom ever is involved.

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Concrete Houses and PRC certification problems

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