PRC Mortgages

Mortgages for Pre Reinforced Concrete (PRC) Houses

Welcome to PRC Mortgages

The History of Pre Reinforced Concrete Properties

The peroid between the First and Second World war witnessed the development of various types of housing systems based on Pre-cast concrete and in-situ concrete, timber, steel and occasionally cast iron construction. There was a surplus of steel and aluminium and in an industry upon till then only geared up for the war effort needed to diversify. These factors drove towards prefabrication. As a result many new varieties of concrete, steel and timber framed systems emerged.

While most systems were intended to provide permanent, long term housing a few were intended only as emergency or temporary soluitions. In practise the dwellings did not prove any cheaper to build or maintain as a traditional built house.

By the 1980s some fundamental problems affecting structural stability and durability began to emerge in some of the concrete system built houses. The problems occurred because of either carbonation or the presence of chlorides in the concrete which resulted in the corrosion of the steel reinforcements and subsequently cracking and spalling of the concrete.

The problems of carbonation and the presence of deterimental chloride levels in reinforced concrete houses led to certain concrete housing systems being designated defective under the 1984 housing defects legislation which was then incorporated into the housing act of 1985.

A company named PRC Homes Ltd was set up to license repair schemes for housing system designated as defective under the 1985 housing act. In 1996 PRC Homes Ltd ceased to exist. The license repair schemes are still available today and to make a Pre Cast Concrete property mortgageable you will need to have a recognised licensed repair carried out.

PRC property types include, Airey House, Unity House, Wates House, Smiths House, Reema House, Hawksley House, Boot House, Cornish House, Orlit House, Parkinson Frame House.

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