1. Why have a Survey?

Most building defects are not readily apparent to the untrained eye and some vendors even go to the trouble of trying to hide them. Even if no defects are found you at least have the peace of mind knowing that there are no nasty surprises on the horizon.

2. My bank/building society is having a survey done. Why do I need anything else?

Lending institutions will undertake a valuation to ascertain whether the property meets their lending criteria, not whether it is in satisfactory condition or worth the purchase price. It is not a 'Survey' in the usually understood sense of the word, whatever they choose to call it. Typically, their surveyor will spend about 20 minutes at the property whereas an average Building Survey or Homebuyer Survey will take around 2 hours. It would be very unwise to rely solely on the bank/building society's report. The Consumers' Association and the Council of Mortgage Lenders recommend arranging your own Survey.

3. My bank/building society has offered to undertake a more detailed survey for me. Is this sufficient?

It can be but it is essential that you speak to the surveyor personally beforehand to ensure that s/he understands your requirements and can advise on the most suitable type of survey for your property. Only the surveyor concerned will be able to advise you on this. Staff at lending institutions rarely have adequate expertise in this respect and too many people are being given inadequate advice. Lending institutions have a vested interest in ensuring that you acquire the property and so it makes sense to organise an independent survey as well. Lending institutions usually charge an administration fee for organising surveys (which is not declared to you) and the fee you pay will often be greater than arranging your own independent survey. If nothing else, you will have the opinion of two surveyors at little or no extra cost.

4. What is the difference between a Building Survey and a Homebuyer Survey?

A Building Survey (formerly known as a Structural Survey) is suitable for all properties and provides a full picture of their construction and condition. It is likely to be needed if the property is, for example, of unusual construction, is dilapidated, has been extensively altered or where a major conversion or renovation is planned. The report is usually tailored to the client's individual requirements.

By contrast, The Homebuyer Survey is in a standard format and is designed specifically as an economy service and it is not suitable for all types of property. It focuses on defects and problems which are urgent or significant and thus have an effect on the value of the property. Your surveyor will tell you which type of Survey is most suitable for your property.

5. What is the cost of a Survey?

This depends on the type of property and the type of report. We always give individual quotations for each property which are made entirely without obligation. You can contact us by telephone, fax or email for a prompt response.

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