What Property Surveys Do You Really Need?

The process of sourcing and purchasing a property is filled with decisions to make.

One of the services that you will need to decide upon is what property surveys to have done to the place that you are due to buy. When it comes to property surveys there are many to choose from and it can be hard to know what’s necessary for your particular property.

Here’s a quick rundown of the options open to you –


Mortgage Valuation

This survey is necessary for the mortgage provider to ascertain whether the property you plan to buy is actually worth the asking price. This is to check that it’s a good use of the bank’s funds and that a loss won’t be made by them. You will need to provide a mortgage valuation survey before the bank is able to make you a formal mortgage offer.

Rics Condition Report

This kind of survey gives you a general summary of the condition of the property and highlights any major issues – so is best for if you’re purchasing a relatively new build where problems are unlikely to be present in the property.

Rics Homebuyer’s Report

In addition to the Condition Report (above), this survey also checks for more complex problems like damp and subsidence. You will be told what repairs are necessary and any areas failing to meet current building regulations will be identified to you. Most property buyers choose this survey.

Sava Home Condition Survey

Similar to a Homebuyer’s Report but does not include a market valuation. This survey includes photos of the property and flags up any legal issues to check out with your conveyancer. You can go for this survey if the property is in a reasonable condition.

Rics Building Survey

This type of report is the most thorough and detailed, providing analysis of the structure and condition of the property. The surveyor will go through the house in detail, checking in the attic and under floorboards. You can request projected costs and timings for any repairs that need to be carried out. This is the kind of survey that it used when the property is over 50 years old and/or in a poor condition, as there is more chance of problems within the building.


We hope this introduction to property surveys has cleared up some of your questions and has proved useful.


Nick Fox started his property investment career 10 years ago and his portfolio has grown to one of the largest in the UK. Nick now mainly focusses on HMOs (houses in multiple occupation) and works to help others achieve property success too. Visit here to find out how he can help you.

Trackback from your site.

Leave a comment