Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Getting a house surveyed, which one to go for?

16 replies

Linnet · 28/01/2007 00:15

If you're looking into buying a house/flat which survey should you get done?

Should it just be a small survey, sorry don't know all the proper names, which may throw up some problems but not all?

or

Should it be a full structural survey and if this one is done what exactly does it entail?

thanks

OP posts:
Linnet · 28/01/2007 00:37

anyone?

OP posts:
alipiggie · 28/01/2007 03:11

I would say there a things to take into consideration:
a) Age of the property
b) Area it's built in - prone to subsidence/flooding
c)General feel of property on viewing - smell of damp etc

Older properties I would say get a full structural survey done - it's worth it. Many problems can be hidden by clever decorating. Modern houses - many come with warranty/guarantee's these days which are transferable. Didn't want you to go unanswered so hope this helps.

Linnet · 28/01/2007 22:11

Thanks Alipiggie.
It would be an older property, well over 70 years old.

What do they actually do in a full structural survey anybody know?
Do they need to look at floorboards in rooms for example?
Would they inspect the attic areas? if it was a ground floor flat would they ask the person in the flat with the attic areas if they could look up there? or do they not need to do that?

OP posts:
alipiggie · 28/01/2007 22:33

Linnet see this link. Answers your questions about what each survey is about. Hope it helps. If it's 70yrs old could be well worth having the full one done. Depends on how much you're prepared to pay of course .

Surveys

Linnet · 28/01/2007 22:39

wow, upwards of £1000! I didn't think it would be that expensive, the flat is over 75 years old, just worked it out so probably would be worth it in the long run.

Hmm will have to think about this.

thanks

OP posts:
Ladymuck · 28/01/2007 22:40

If you go for a full survey then do check out private surveyors yourself - don't just take the one that the bank is using for their valuation. You can agree with them the scope of work. These days you can typically get reports back in well under 2 weeks. And you can get photos of what has been found etc.

Millarkie · 28/01/2007 22:40

We've always had the full structural survery but then we've only bought old houses which have extensions or loft conversions. In my experience the surveyor doesn't go out of his/her way to examine everything ie. woodworm hidden under the sofa. and there are always a lot of qualifying statements saying that you need to call in specialists to check out electrics etc. Don't think you ever get peace of mind from a survery but you can hope that any obvious problems will be picked up.

Ladymuck · 28/01/2007 22:41

And ask for quotes - it may not be that expensive!

LIZS · 29/01/2007 10:55

Our basic valuation cost almost £500 and have paid for a further investigation on the basis of Essential Repairs which will cost around £250-300 more.

The valuation said very little tbh - superficial look around (although he must have shone a torch and run a damp meter around the attic ) with an outline report of location , basic structure and issues which may affect the property value. Takes about 1/2 to 3/4 hour.

If you want to know about drains, structure (particulary relevant if it is a conversion), dry/wet rot etc then you'd need a more detailed one.

2Happy · 29/01/2007 11:12

Linnet, we decided to cover ourselves and go for a middle of the range survey. It spotted that the roof was a little dodgy, but not that the vendor had drilled a hole in the patio doors to relieve the ensuing leak; nor that the overflow pipe from the water tank wasn't connected so the (also unspotted) overflowing tank overflowed all over the house; nor that the leaking house wasn't even earthed. (And sadly that's not all it didn't pick up, just the most dangerous bits)

IMHO, you are better getting the cheapest available survey, then getting local tradespeople in such as plumbers/electricians in to give the house the once over, if you are able to do so. Good luck!

prettybird · 29/01/2007 11:21

You're in Scoltand aren't you, so our view of surveyors is slightly different, as we usually survey before we offer.

Depending on the flat (it a a temenet flat) than a house-buyers might be sufficient. If you can affor a full strucural - and you are cofndient that you are going to get the lfat (has it gone to closing?), then it does make sense with such a big financial investment to have all the infomration you need.

The other advantage of the Scottish system, is that you will get at least a verbal run through of the surveyors's report within a day or so, with the written report followiong soon after, as they know you need to move fast.

prettybird · 29/01/2007 11:27

Oh - and with regard to your question re roof space, yes they will ask for access to the roof space - depending on the type of survey being asked for.

We live in a conversion (Victorian villa split in two) and the people on the ground floor have put thier house in the market. We had to let the surveyor in on Friday to have a look at the eaves (we have the first and attic floors).

TuttiFrutti · 29/01/2007 13:49

Never ever use the bank's surveyor. I used to work with some, and often they don't even get out of their car, they just have a quick look from the outside and count the number of bedrooms.

Instruct a surveyor who you have chosen, so he feels some sort of personal obligation to you and will be happy to answer questions on the phone afterwards.

LIZS · 29/01/2007 14:06

tuttifrutti but in practice, lenders can and do insist on a valuation survey by one of their approved surveyors, regardless of whether you then choose to have one separately as well .

Linnet · 29/01/2007 22:50

ooh lots of replies, thanks

Yes Prettybird I am in Scotland, I didn't realise that there was a difference in the way surveys work up here, thanks for pointing that out.

ok, full story is that it's the flat that we live in. We have the right to buy and with the discount we'd get we could afford to buy it so we're seriously thinking about stepping onto the property ladder, it's a sort of now or never situation, we could never afford to buy somewhere else and if we didn't buy this one now the price would just keep going up and in a few years even with the discount we'd probably not be able to afford it.

The landord maintains the building while we're renting but obviously I'd still get a survey done if we were to go ahead and buy it. Because the landlord maintains it there isn't very much wrong with it that we can see but I have this fear of subsidence because the land at the front of the building slopes slightly although the building doesn't look lopsided or anything but it bothers me. The land at the front has always sloped and there are cracks in some of the walls in the upstairs flat that the landlord has had checked out and they've said that the building is not subsiding but at the same time I wouldn't buy another flat or a house somewhere else without getting a survey done so would want to get one done on this flat if I was to buy it.

We're still at the thinking stage and doing our sums, so I'll look into quotes for surveyors and see what they come back with.

thanks

OP posts:
prettybird · 30/01/2007 08:53

Linnet - my experience of Scottish surveyors versus English surveyours is that Scottish surveyors will say that "There is evidence of some subsidence but it has settled now - what do you expect in an older house?" and an English surveyor will say, "There evidence of subsidenc, you'll need to get a strucutral engineer in before we commit to anything and so that you can negotiate a discount - and there's a mine half a mile away so you'll need to get that checked out as well before you finalise anything".

Glasgow is riddled with mines, but the view generally is that they were so shallow that any potential damage would have shown up by now. I know you're not in Glasgow, but I'm just illustrating the difference in attitude.

Part of the reason is because in Scotland we are surveying before we offer, to see what we think the house is worth, whereas in Enlgand they are surveying after they've offered, to see if there is anything that they can use to negotiate the price down further - but it does casue the delays and chains, when things collpase!

I'd have thought in your circunstances, as you already know the proprt, a good housebuyers report would be sufficient. You can specifically ask him to chekc out something you might have a concern with- and you can also get a specialist in to look at sometihng afterwards if he highlights something.

BTW, our house has massive cracks in a couple of interior walls. We've had an architect friend look at them, and he says they are to be expected: it is a Vicotrian house built on shallow foundations and it is twisting - but that it is still sound (given that the exterior walls are three foot thick!) We've plastered over one of them, and when we next decorate the living room, we'll plaster over the one on the other side of the same wall.

New posts on this thread. Refresh page