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Structural Survey
jamesbund
Posts: 24 Forumite
Hi,
I am in a process of buying a 3 bed terraced 1930' house, I have instructed my Bank of the purchase and mortgage and solicitors are doing their work etc...
Now I am in a dilemma if I should get a full structural survey of the house and if its worth the salt, as the Bank is doing their free basic Structural survey anyway. Would they not pick the majors bits? and what else should I be really looking at as I don't see an major concerns well in my naive eyes.
Well, I am getting a strucural Engineer to have a look at the Chimney Breast and stuff to do some minor refurbishment later on like removing the chimney etc. Could I not ask the Engineer to have a look at something as I am paying her for 1 hour anyway. Please advice? Or it has to be a Surveyor?
Many thanks!!
I am in a process of buying a 3 bed terraced 1930' house, I have instructed my Bank of the purchase and mortgage and solicitors are doing their work etc...
Now I am in a dilemma if I should get a full structural survey of the house and if its worth the salt, as the Bank is doing their free basic Structural survey anyway. Would they not pick the majors bits? and what else should I be really looking at as I don't see an major concerns well in my naive eyes.
Well, I am getting a strucural Engineer to have a look at the Chimney Breast and stuff to do some minor refurbishment later on like removing the chimney etc. Could I not ask the Engineer to have a look at something as I am paying her for 1 hour anyway. Please advice? Or it has to be a Surveyor?
Many thanks!!
0
Comments
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The Bank is probably just doing a 'valuation' so double check that!
It might not be very indepth and I certainly wouldn't rely on it to pick anything major (or even more so, minor!) up.
Why not go for the middle type - a homebuyer's survey.
I doubt the structural engineer would take any responsibility for anything other than the info you've already asked her for.
If you have no experience of what to look out for, get a separate survey by a surveyor (might be cheaper to get the valuation done at the same time via the Bank, so see what they charge).
Jx2024 wins: *must start comping again!*0 -
Mortgage lenders have a surveyor carry out a mortgage report and valuation, not a survey.
Ask the structural engineer to extend the scope of his inspection/report rather than have another surveyor visit to look at the things the SE could inspect while he's there.
It will be cheaper.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
kingstreet wrote: »Mortgage lenders have a surveyor carry out a mortgage report and valuation, not a survey.
Ask the structural engineer to extend the scope of his inspection/report rather than have another surveyor visit to look at the things the SE could inspect while he's there.
It will be cheaper.
Thanks for all the replies.
So, what shall I ask the SE to have a look at specifically, apart from the chimney and bits I wanted her to look for refurb?
Many thanks.0 -
If you have no other specific areas, ask him to inspect and comment on the general condition of the structure?I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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