When buying a home it is best not to solely rely on the property survey that the mortgage company arranged. We can provide quotes from property surveyors who are member of the Royal Chartered Institute of Surveyors. Surveys for your property range from Home buyer report , new build snagging survey,home condition reports and building surveys. research has shown that 80% of buyers don’t check that their property is safe or what work needs doing. Many people also assume that no survey is needed with a new build. However, since new builds average about 80 defects, a specialist ‘snagging’ survey is essential.
Why you need a survey on your property
Mortgage valuation report may not give enough details
As a buyer, you pay for a mortgage valuation report (MVR) in order to secure a mortgage offer, but this should not be confused with a survey. The Mortgage valuation report confirms to the lender that the property is worth at least what they are loaning you – it is not their responsibility to point out any repairs that need doing.
Home information packs
The home information pack (Hip) will provide some of the information you need, including the property’s energy efficiency, which is shown on the Energy Performance Certificate (EPC). Anything rated A to C is above the UK average.
If you're a selling a property
If you're a seller, it may be worthwhile to have a survey done yourself. If there are any problems with your house, this will give you a chance to fix them; or if your property gets the all clear, the report can be used to show buyers what great condition your property is in.
Government advice regarding property surveys
When you are thinking about buying a property it’s a good idea to find out whether there are any problems with the structure. You should also know if any repairs or alterations need to be made. A property survey may save you time and money in the long run if you uncover expensive defects before you buy. There are different types of survey to choose from according to the amount of information and advice you require about the property.
more at Property Surveys DirectGov
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