Survey help

hazyjo

sukavi2011 wrote: »

Jo, thanks, things that i was thinking was for electrics, gas boiler (only because these have been done in last 3 yr and they havent said they if have certs, ive asked the question) , not sure what else they check, damp ,roof?
When i ring solicitor tomorrow they may say all has been done, but I havent physically arranged a survey and don't know if they or lender would have done, esp if grouped with drive by but i've not had any feedback.

Usually roof, damp, evidence of cracks/movement, support - eg have they knocked down any walls - if so, are the lintels in place, or have they removed any joists, etc in loft? Woodworm, windows, etc... Prob a list online if you have a look.


I tend to buy with my heart/logical/practical side and am not good at spotting defects as I become blinkered - I forget to look at flooring and ceilings for example) - so I do always get a survey, but, as said, please don't worry yourself sick. You can book one now if you choose to. Not compulsory. The vendors are probably expecting it so don't worry! You can arrange one independently or through your mortgage provider.


Jx

G_M

sukavi2011 wrote: »

GM, I know solicitor is not a surveyor but no one actually advised me to get a survey done,,
Who do you expect should have advised you?
Solicitor? he advises on legal matters.
Financial adviser? He advises on finance.
Mortgage lender? They simply want to check their loan is safe - hence the 'drive-by'.
Surveyor? Ah, yes, that's the guy to talk to...

when i asked about it and not just to them, the answer came back that lender had done drive by so i had nothing to do or worry about
If the solicitor said this, I guarantee it was in the context of whether your mortage application was progressing.
Who else said this?

The property is in good condition, I have asked my Sol if certs are avail for gas/elect & works been done, waiting for reply. There didnt appear anything visibly wrong at viewing, it looked immaculate, a lot better than my present home.

Looking immaculate is perhaps a guide, but no guarantee. a coat of fresh paint can cover a multitude of sins.......

There are many books, not to mention internet guides, to help you understand the house-buying process. Given the enormity of the investment, it makes sense to understand what needs doing.

https://www.amazon.co.uk/d/Books/How-Buy-House-Kirstie-Allsopp/1444790633

kingstreet

Once again, the words "survey" and "lender's mortgage report & valuation" used in the same sentence when they shouldn't.

A lender has no survey done. No-one purchasing a property can rely on its result as it is done purely for the lender.

Details of the survey options are widely available online.

hazyjo

kingstreet wrote: »

Once again, the words "survey" and "lender's mortgage report & valuation" used in the same sentence when they shouldn't.

A lender has no survey done. No-one purchasing a property can rely on its result as it is done purely for the lender.

Details of the survey options are widely available online.

I wasn't clear, but did mean that and that other people often mistakenly lump them into one of three types. Not a survey at all although usually they do in in the property and will mention certain concerns/obvious defects, etc so some people think it's enough.

Jx

sukavi2011

Thanks for feedback, Been busy today. Rang solicitor today, said I misunderstood at the beg re the survey and going to book one. Then rang mort advisor and was told the one the lender did would have covered things such as structural, if it was valued correctly,roof (if they could gain access).and a couple other things Any signs damp they would have said so and had to be sorted, They could arrange a homebuyer report in a day or two if i wanted. Anyway have found my own and should hear tomorrow and get one booked ASAP., was surprised at how much it covered, all my concerns anyway. My buyers survey supposed to be done tomorrow, however turned out it was done today. Fingers crossed all went well and I dont hear bad news. Also received in post my formal mortgage offer to sign and return. I feel a little more at ease at the moment but until both surveys are complete i wont relax. Thanks for all your feedback.

hazyjo

Presumed you were a first time buyer... so you didn't have one when you bought?

No survey is perfect. I had a load of stuff (albeit relatively minor) come up on a 7-is year old house. Come back if something spooks you. Chances are it won't be as bad as you think, or will just be the surveyor covering his back.

Jx

AnotherJoe

sukavi2011 wrote: »

I feel a little more at ease at the moment but until both surveys are complete i wont relax. Thanks for all your feedback.

I'm going to guess its full of caveats and will make comments that will needlessly worry you.
Let us know how it goes.

sukavi2011

Well my buyer had a survey done last week, I have paid for a survey to be done for my purchase a week ago and they are still awaiting confirmation from vendor when this can be done. Heard yesterday my buyer has now arranged to have a structural survey to be done. Should I be worried about this? I dont know what this entails, I did think why wouldnt they have had the initial survey to include all this, if anything to save themselves money, or maybe the first survey flagged up something?

AnotherJoe

sukavi2011 wrote: »

Well my buyer had a survey done last week, I have paid for a survey to be done for my purchase a week ago and they are still awaiting confirmation from vendor when this can be done. Heard yesterday my buyer has now arranged to have a structural survey to be done. Should I be worried about this? I dont know what this entails, I did think why wouldnt they have had the initial survey to include all this, if anything to save themselves money, or maybe the first survey flagged up something?

They are probably as panicky as you seem to be :-) You after all are doing the same s them, you had a survey done by the lender and now you are arranging your own one !

Maybe they also "heard" they "should" have a structural survey?

Does your house have large visible cracks? Have internal walls been removed? Has part of the side wall slid down into the garden? Is water entering the property through large holes in the roof? If not, then why worry?

sukavi2011

No to all of those Joe, I did think those were the sort of things it would cover. And yes I do panic. I have been here for a very long time and cant help think something will show up . I should really stop worrying so much. Time will tell, Thank you