switching mortgage providers - they asking for a survey of property - is this normal?

[Tortington]

and considering we bought a the top of the market - what impact will this have if it is valued less?

Yes, it is normal.

If it's worth less then your deposit will be a lower % and they may increase the rate they offer you, or lend you less than you need.

Yes - they have to make sure they'd get their money back if you defaulted and they sold the house.

righto thank you

yes it is normal - one of the reasons we haven't switched providers. New provider was valuing house at about 34k less than original, which would have brought us into a higher LTV. We're juststicking with current provider and going on to SVR in March (unless interest rates go up!)