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Are you buying a property? An independent property survey will give you a clear picture of its condition.
You’ve found a property you love but you need to know that it is in good condition before you commit to a purchase. Without a survey you may not be aware of costly work that needs to be done. A home survey will help you to avoid any nasty surprises in the future.
We recommend using a surveyor who is accredited by the Royal Institution of Chartered Surveyors (RICS). During a RICS Home Survey your surveyor will conduct an in-depth visual inspection of the property and produce an expert report on the property’s condition. In this report they’ll highlight any problems using a clear traffic light system.
The top five things a surveyor will look for when completing a house survey:
You shouldn’t confuse a house survey with the mortgage valuation that you will have to pay for in order to secure a mortgage. A mortgage valuation merely confirms that the property is worth what you are being lent and will not give details on the condition of the property.
Different homes require different property surveys. RICS offer three main types:
In Scotland, the vendor is required to produce a Home Report when they bring their property to the market. A Home Report is a pack of three documents:
We recommend our sister company esurv to help you with your house survey. Esurv are accredited by RICS and are the largest provider of property surveys in the country. This puts them in the perfect position to help you buy your home.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Embrace Financial Services usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.