PRC Certificate for a unity house

Dougie_Bilbie

I'm really stuck and need some advice please we ( my wife and I ) are looking to buy our council house through the right to buy process but its a pre fab unity house which was deemed a defective dwelling under the 1984 housing act. The problem is the in the 90's the work was undertaken by the council to repair the defects byh removing the concrete posts and bricking around them, we know the work has been done because there are houses on our street where you can still see thee posts in the windows were as we don't and have full lengthwindows.
Now the problem was that the council didn't need to buy a PRC certificate and so didn't do so I have looked online to see you can get a retrospective PRC certificate once a engineer has looked at the work done but do the mainstream mortgage lenders accept these as £895 is alot of money to pay out if its notaccepted .
Please can someone advise as we are stuck and don't know who to ask and our mortgage adviser isn't sure we have contacted a company who issue them and they say they are the right document is this true?

Shibz

Hi we have the same problem we are looking to buy our housing association house our house was built 1958 it was a myton but got repair work done in the late 1980s no certificate exists
We were down to valuation with nationwide then got knocked back due to no details about repairs i also need to know if a reprospective cert would be acceptable as all the morgage companies the broker has looked at need 1 but i dont know if it has to be an original dont qant to pay all the monwy for nothing ����

gembert83

I have actually been looking at this today as a client is looking to buy a property and the seller has lost the PRC - starters, you can email a few companies that may have issued them to see if they can provide a copy. NHBC, Zurich etc or alternatively I have noted a couple of PRC companies which I appreciate charge the £895.00 but refund if they can't issue the same - have a search on google for PRC certificates again, if you look through some of the companies they seem to offer this.

Shibz

Do you know if the prc companies certificates are enough for the lenders to get a morgage ? Thanks