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There are a variety of surveys available and they largely depend on the type of property you are buying. We'll happily advise which will be best for you.
If you're a seller...
If you're a seller, it may be worthwhile to have a survey done yourself. If there are any problems with your house, this will give you a chance to fix them; or if your property gets the all clear, the report can be used to show buyers what great condition your property is in.
Surveys
Surveys should be done by a surveyor who is a member of the Royal Chartered Institute of Surveyors. We've listed the two most common surveys below:
Building Survey (formerly called a 'Structural Survey')
A Building Survey is suitable for all residential 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 or has been extensively altered - or where a major conversion or renovation is planned. It is usually tailored to the client's individual requirements. The report includes extensive technical information on the construction and materials as well as details of the whole range of defects, major to minor.
The Homebuyer Survey & Valuation (usually called 'The Homebuyer Service')
By contrast, the Homebuyer Service is in a standard format and is designed specifically as an economy service. It therefore differs materially from a Building Survey in two major respects. It is intended only for particular types of home, Houses, Flats and Bungalows which are:
- Conventional in type and construction
- Apparently in reasonable condition
It focuses on essential defects and problems which are urgent or significant and thus have an effect on the value of the property - although it also includes much other valuation information. The Homebuyer Service unlike a Building Survey provides not only a survey but also a valuation as an integral part of the Service.
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THE OVERALL COST FOR COMPARSION IS 6% APR (MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS)
NHS mortgage services & NHS property services are trading styles of Brinc Ltd which has partnered with First Choice Finance to offer you an extensive range of mortgages and remortgages. First Choice Finance. Will consider all applications on an individual basis so even if you’ve had credit problems in the past they could still help you with a great mortgage deal and get you the money you need to mortgage your property and still have cash left to make renovations, take a holiday of a lifetime or make that special purchase!
First Choice Finance is a trading style of Termpart Limited of The Old Courtyard, 103 Buxton Road, High Lane, Stockport, Cheshire SK6 8DX. Consumer Credit License No 0255609. Company Registration Number 2316399. Financial Services Authorisation Number 302981.

