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  • FIRST POST
    • Cerelia
    • By Cerelia 7th Oct 17, 11:12 PM
    • 5Posts
    • 1Thanks
    Cerelia
    House purchase - structural movement home report and mortgage valuation
    • #1
    • 7th Oct 17, 11:12 PM
    House purchase - structural movement home report and mortgage valuation 7th Oct 17 at 11:12 PM
    Hello all,

    New member here that I'm hoping someone knowledgeable can help with my query.

    My husband and I are buying a property in Scotland, and have already concluded missives. As is standard in Scotland we were provided with a Home Report containing property questionnaire, EPC, Single Survey and also a Mortgage valuation report. Since we didn't need a mortgage the latter merely confirmed the same value as the single survey (not surprising since both were provided by the same surveyor firm on the same date).

    Every item on the Single Survey of the Home report was category 1. Under Structural Movement the only Note is 'No evidence of subsistence, settlement or landslip was noted' and there is no mention of any structural movement elsewhere in the single survey.

    Our solicitor did not think another survey was necessary as the single survey was so clear and the property only around 14 years old. However, as this is a large purchase for us we also commissioned a Scheme 2 survey from another surveyor firm which was more in depth but only identified minor defects capable of remedy by general maintenance and repair but no mention of structural movement, subsidence, settlement or landslip.

    We're now at the point of looking at our buildings/contents insurance for the new property and just happened to notice that the mortgage survey valuation has the following noted:

    Has the property suffered structural movement? Yes
    If Yes, is this recent or progressive? No
    Is there evidence, history, or reason to anticipate subsidence, heave, landslip or flood in the immediate vicinity? No

    We thought the mortgage survey valuation was only for a lender and therefore not relevant to us, and therefore concentrated on the single survey and our own survey.

    I'm obviously no expert but can't understand why the mortgage valuation indicates structural movement but this is not referred to in the Home Report single survey since both were prepared by the same RICS surveyor firm on the same date and with the same reference number.

    We're now perplexed as to what/if we need to declare anything to insurers or whether an error has been made.

    I guess a phonecall to the Home report surveyor's office is in order next week but would appreciate any advice from the forum as we need to get insurance arranged shortly.

    Thank you in advance.
Page 1
    • Tom99
    • By Tom99 8th Oct 17, 4:38 AM
    • 222 Posts
    • 102 Thanks
    Tom99
    • #2
    • 8th Oct 17, 4:38 AM
    • #2
    • 8th Oct 17, 4:38 AM
    Sounds like the surveyor ticked yes when they meant no. Hopefully it will be sorted when you speak to them on Monday. If they did make a mistake make sure you get confirmation in writing.

    I would not take out insurance until you have got to the bottom of it.
    • ProDave
    • By ProDave 8th Oct 17, 9:21 AM
    • 313 Posts
    • 388 Thanks
    ProDave
    • #3
    • 8th Oct 17, 9:21 AM
    • #3
    • 8th Oct 17, 9:21 AM
    The other possibility is there was movement soon after it was built but the cause was fixed and the damage repaired? Ask the vendor if this is the case?
    • Cerelia
    • By Cerelia 8th Oct 17, 11:34 AM
    • 5 Posts
    • 1 Thanks
    Cerelia
    • #4
    • 8th Oct 17, 11:34 AM
    • #4
    • 8th Oct 17, 11:34 AM
    The other possibility is there was movement soon after it was built but the cause was fixed and the damage repaired? Ask the vendor if this is the case?
    Originally posted by ProDave
    The property questionnaire completed by the vendor indicated there had been no specialist work during or before their ownership (from new) carried out, and in a separate question that there has not been any storm, flood, fire or structural damage to the house during their ownership.

    On the mortgage valuation report there is nothing to describe what structural movement is indicated by the tick i.e. there's nothing pertaining to this in the general remarks section or elsewhere.
    • Cerelia
    • By Cerelia 9th Oct 17, 4:13 PM
    • 5 Posts
    • 1 Thanks
    Cerelia
    • #5
    • 9th Oct 17, 4:13 PM
    • #5
    • 9th Oct 17, 4:13 PM
    Happy to report I've now spoken to the surveyor; the tick in the structural movement box was an error and will be corrected. The surveyor is going to correct the error and upload the form - we should have a copy emailed shortly. I'll be able to sleep tonight and we can now arrange insurance.
    Last edited by Cerelia; 10-10-2017 at 8:53 PM. Reason: Grammar
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