Mortgage/Bank Inspection On Flat

AmberMija

hi i moved into my first flat a year ago and my landlord has a bank inspection on the building, does anybody know what they will be looking at/for? thanks in advance

davidmcn

Not much more than getting a better idea of the size and general condition of the property. Nothing you need to be bothered about.

AmberMija

do they go into attics and look at everything ?

MaryNB

Might it be a remortgage valuation? When I was renting last year someone came around to check the flat, measured some rooms, took some photos, and asked my flatmate how much rent we paid. The agency only said it was an inspection but it clearly wasn't if they were asking about how much rent we paid. We presumed it was someone doing a valuation for a remortgage.

davidmcn

AmberMija said:

do they go into attics and look at everything ?

Doubt it, they're not going to be doing a detailed inspection, just checking the place isn't falling down.

theartfullodger

Almost certainly remortgage application.  No  reason why you can't ask the reason.  Nothing preventing you speaking to surveyor and explaining things he might miss - eg disrepair, defects, etc etc.

You don't have to permit it or permit access to parts of the place, it's your home, your property.  Do you want to maintain good relationships with landlord and get a good reference?

claneyuk

I've had this before as a tenant. The surveyors just walked in, quick look, and walked out. 30 seconds.

ratechaser

AmberMija said:

do they go into attics and look at everything ?

I'm sure your 'plants' will be fine 

Marcon

theartfullodger said:

Almost certainly remortgage application.  No  reason why you can't ask the reason.  Nothing preventing you speaking to surveyor and explaining things he might miss - eg disrepair, defects, etc etc.

You don't have to permit it or permit access to parts of the place, it's your home, your property.  Do you want to maintain good relationships with landlord and get a good reference?

Nothing to stop you keeping quiet and letting the surveyor do their job.

As for permitting access - you might want to read your tenancy agreement rather than relying on 'advice' from someone who hasn't seen it.

Gentoo365

I had a surveyor look at a flat I owned. They basically walked round talking into their phone (or something) doing the verbal equivalent of ticking boxes.

It seemed to be mostly about confirming it is what it is supposed to be. 

Only question he asked me was whether the car park space was allocated and which one it was. The rest he just walked around. Took barely any time at all.

Sandtree

In our last place before we bought the landlord remortgaged whilst we were there and so a surveyor came around. They asked us some basic questions about the facilities (there was a residents pool etc) and others about the service charge which we said we didn't know the answer to.

Took the best of 5 minutes before they were gone.

Your tenancy agreement will say about your landlords right to access but you also need to consider the long term relationship. In our case we got a couple of weeks notice so its not as if they just turned up on the door one evening.