Surveys – don’t buy a property without one

So you’re going to buy a house, excitement fills the air, you know you need a survey but which one do you choose? When you start making enquiries about the mortgage you should be advised to have a survey done so that you know the state of the house you’re about to buy.

But which one? You will need a mortgage valuation survey, with a typical cost of several hundred pounds. But, despite it’s name, this isn’t a survey; it’s information for the lender to determine whether or not they’ll get their money back when lending against the property.

Which survey to choose? 

survey, home condition survey

Would you spot this cracking when viewing?

You could ask for a Homebuyer’s Survey – a chartered surveyor will produce a report on the state of the house and whether major faults need further investigation, for example, serious structural cracks may need a report from a structural engineer.

Or you could commission a Home Condition Survey.  This is an excellent product with every key item condition rated, either 1,2 or 3, so that you can see at a glance where the key issues are. The report also highlights issues for your solicitor to consider – there could be an extension without planning permission or an undefined boundary.  Health and safety issues will also be considered – when were the electrics last tested? Polystyrene tiles on the ceiling of a kitchen are a fire risk and as such a health and safety risk too.

All the elements considered in a Homebuyers survey are also covered in the Home Condition Survey – the state of the roof inside and out, the walls, floors, ceilings, drains, grounds and services are all reported on. The final report is illustrated with photographs and you can also have a brief discussion of the report with the surveyor.  It’s not surprising that this type of survey is recommended by Which.

If you’re buying a property, you should always have a survey done before you enter into a contract. Any offer you make should be subject to survey.

Home Inspection Services, in Rossendale, provide independent property advice, offering EPCs, surveys, inventories, floor plans, and property marketing.

4 Responses to Surveys – don’t buy a property without one
  1. Home Condition Surveys
    October 26, 2011 | 10:10 am

    […] advice from their solicitors and mortgage advisers – your mortgage valuation is not a survey, you should get a survey before you purchase your property. Never has this been so true due to such difficult financial times. Most home buyers financially […]

  2. Surveys – what to do about damp
    November 5, 2011 | 7:10 pm

    […] you buy? Written on November 5, 2011 by Chris Marston in Surveys You’ve just had a survey on the property you’ve fallen in love with but just look at what the surveyor has written! Damp was found in […]

  3. Survey of a Lancashire property
    January 12, 2012 | 10:33 am

    […] property Written on January 12, 2012 by Chris Marston in Surveys I was carrying out a survey on a Lancashire property which was a 1930’s, three bedroom, semi-detached house. The house […]

  4. […] If you don’t know how to market your house or how to enhance the strong points give Home Inspection Services a ring. We can help you with the marketing of your home and surveying your next house. […]

Leave a Reply

Wanting to leave an <em>phasis on your comment?

Trackback URL http://propertyinspectionblog.com/2011/10/03/surveys-dont-buy-a-house-without-one/trackback/