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Surveyor Advice
HayleyB26
Posts: 47 Forumite
Hi everyone, just recently had an offer accepted on a property and wanted to know if we are best to appoint a surveyor? We can have a detailed home buyers valuation and report from the mortgage lender for approx £400, but wasn't entirely sure of the difference.
I believe the house was built around 1997, but can clarify this with the EA tomorrow.
Any advice would be greatly appreciated
I believe the house was built around 1997, but can clarify this with the EA tomorrow.
Any advice would be greatly appreciated
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Comments
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Is there any point given the current situation? I don't think surveyors are going to be going out for minimum 3 weeks, which is probably going to be extended again to 6 weeks.0
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Your question suggests considerable lack of knowledge about property buying. Not surprising if it's your first, but this is just one of 98 questions you will need to consider for this multi-hundred-thouand-pound purchase!Get a book and learn what you are getting into!As for the survey: seeand
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Sorry but it's quite condescending to tell anyone who isn't 100% sure of every step of the buying process to buy a book! Yes it's good to know and having a basic grasp of everything is great, but you really don't need to become an expert to buy your house. Most good solicitors and mortgage advisers will happily break down the process in lamens terms and help.greatcrested said:Your question suggests considerable lack of knowledge about property buying. Not surprising if it's your first, but this is just one of 98 questions you will need to consider for this multi-hundred-thouand-pound purchase!Get a book and learn what you are getting into!As for the survey: seeand
Apart from that, you didn't even give any useful information to her actual question.0 -
JessJ23425 said:
Sorry but it's quite condescending to tell anyone who isn't 100% sure of every step of the buying process to buy a book! Yes it's good to know and having a basic grasp of everything is great, but you really don't need to become an expert to buy your house. Most good solicitors and mortgage advisers will happily break down the process in lamens terms and help.greatcrested said:Your question suggests considerable lack of knowledge about property buying. Not surprising if it's your first, but this is just one of 98 questions you will need to consider for this multi-hundred-thouand-pound purchase!Get a book and learn what you are getting into!As for the survey: seeand
Apart from that, you didn't even give any useful information to her actual question.Ha ha! And your response was so much more informative so far as her question was concerned!At least I pointed her to sources of information which would answer her question,as well as giving more general advice.2 -
JessJ23425 said:
Sorry but it's quite condescending to tell anyone who isn't 100% sure of every step of the buying process to buy a book! Yes it's good to know and having a basic grasp of everything is great, but you really don't need to become an expert to buy your house. Most good solicitors and mortgage advisers will happily break down the process in lamens terms and help.greatcrested said:Your question suggests considerable lack of knowledge about property buying. Not surprising if it's your first, but this is just one of 98 questions you will need to consider for this multi-hundred-thouand-pound purchase!Get a book and learn what you are getting into!As for the survey: seeandSorry, but this forum isn't here to give people soft love; there are other places for that. We don't even have access to a dodgy hug smiley here any more; that's how tough ours is!While one doesn't need to become an expert to buy a house, having little idea may mean one wastes £thousands over the course of years and that's certainly not what this site recommends.Even finding the 'good' solicitor and mortgage advisor you speak of may be fraught with pitfalls a good reference book would steer a potential buyer around. Advice is also out there in abundance on the 'net, as above.The OP is surely able to make up her own mind whether she follows greatcrested's advice or dismisses it as condescending nonsense. It's her money.
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HayleyB26 said:Hi everyone, just recently had an offer accepted on a property and wanted to know if we are best to appoint a surveyor? We can have a detailed home buyers valuation and report from the mortgage lender for approx £400, but wasn't entirely sure of the difference.
I believe the house was built around 1997, but can clarify this with the EA tomorrow.
Any advice would be greatly appreciated 1997 is not that long ago in house age terms, so you are free from worries about things like hidden asbestos. Unlike an older house, walls and other aspects of the build are likely to be regular , so it should be easy for a surveyor (or you) to spot irregularities caused by major defects like subsidence. The main structure of the house should not be worn out in any sense, so if it looks well-maintained, inside as well as out, the likelihood is that it's fine.For the above reasons, many people would choose a Homebuyer's report, rather than upgrading to a Full Buildings Survey. If the surveyor spots anything of note they would advise further investigation. They won't look at specialist areas like wiring or the CH system.As a buyer, I spend time looking critically, not only at the house, but also the locality, including the houses of close neighbours. I visit at different times to see what the social atmosphere in the area's like. I also consider the aspect and work out where available sunshine will be at different times of the day/year, as that's important to me. I'd also visit the Environment Agency web site to look at flood risk these days: https://flood-warning-information.service.gov.uk/long-term-flood-risk/map
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