💡 The Big Question:
Should you go for a Residential Warranty or settle for a Professional Consultant’s Certificate (PCC)? Let’s break it down!

🏆 Round 1: Protection & Coverage

✅ Residential Warranty
10 YEARS of structural defect protection 🏗️
Covers major issues (subsidence, foundation problems, serious faults)
Includes builder insolvency protection during construction
❌ PCC (Professional Consultant’s Certificate)
Only 6 years of coverage ⏳
NO direct insurance – if things go wrong, you have to sue the consultant 😬
Only confirms the property was built to standard (no financial protection)
🏅 Winner: Residential Warranty – More security, fewer headaches!

🏦 Round 2: Mortgage & Resale Power

✅ Residential Warranty
Preferred by most mortgage lenders 🏡💰
Makes selling easier because buyers get long-term protection
Fully meets UK Finance (CML) requirements
❌ PCC
Some lenders won’t accept it, making mortgages tricky
Harder to sell the property later – buyers prefer warranties
🏅 Winner: Residential Warranty – If you want smooth financing and an easy sale, this is the way to go!

💰 Round 3: Cost & Value
✅ PCC
Cheaper upfront 💵
Quick fix for mortgage approval if a warranty wasn’t arranged
❌ Residential Warranty
Higher initial cost, but…
WAY better protection if defects appear – long-term savings
🏅 Winner: PCC (for budget), but Warranty (for long-term value)

📢 Final Verdict: Which One Should You Pick?

💡 Go for a Residential Warranty if you want:
✔️ Long-term security (10 years vs. 6)
✔️ Better mortgage options 💰
✔️ Higher resale value 📈
✔️ Peace of mind knowing you’re covered 😌

⚡ Only choose a PCC if:
🔹 You need a cheaper, short-term solution 💸
🔹 The property is already built & no warranty was arranged
🏆 Ultimate Winner: Residential Warranty! 🏡🎉
Would you rather pay a little more now for peace of mind or risk major costs later? Choose wisely! 😎

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