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FTBs Survey after structural engineer's report?
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ktwllmskw
Posts: 11 Forumite
Hello helpful people with more experience in this world. We'd really appreciate some advice if you're willing to read on.
Background is:
We are FTBs trying to buy a 3-bed Victorian semi-detached house in outer London. The mortgage lender's valuation flagged potential movement so we got a structural engineer report as they requested and they said any signs of movement were historical and not concerning but did flag other issues. We sent this back to our bank, HSBC who said we had to get the other issues fixed before they will continue the application. So we did that - they were relatively minor costing the vendors £700 or so. We anticipate that HSBC will now be happy and the case will move to offer.
So now... once the mortgage offer is made, what kind of survey should we get? As we've had the structural engineer go and check the property already and fixed the issues raised, we don't need a Full Structural, right? Or, due to the age of the property, is that still the best course of action. We are tempted to get a HomeBuyers survey but not sure if this is through enough so we'd be super interested and grateful for any opinions. Many thanks in advance.
Background is:
We are FTBs trying to buy a 3-bed Victorian semi-detached house in outer London. The mortgage lender's valuation flagged potential movement so we got a structural engineer report as they requested and they said any signs of movement were historical and not concerning but did flag other issues. We sent this back to our bank, HSBC who said we had to get the other issues fixed before they will continue the application. So we did that - they were relatively minor costing the vendors £700 or so. We anticipate that HSBC will now be happy and the case will move to offer.
So now... once the mortgage offer is made, what kind of survey should we get? As we've had the structural engineer go and check the property already and fixed the issues raised, we don't need a Full Structural, right? Or, due to the age of the property, is that still the best course of action. We are tempted to get a HomeBuyers survey but not sure if this is through enough so we'd be super interested and grateful for any opinions. Many thanks in advance.
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Comments
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Me personally, just for peace of mind I'd go for the full beans survey.Nothing is foolproof to a talented fool.0
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ktwllmskw said:
So now... once the mortgage offer is made, what kind of survey should we get? As we've had the structural engineer go and check the property already and fixed the issues raised, we don't need a Full Structural, right? Or, due to the age of the property, is that still the best course of action.What exactly was the SE asked to do?Was it a full survey/appraisal of the structure of the whole house, or "can you have a look at this potential movement"?0 -
The Qs to ask yourself are* how comfortable are you assessing the property youreslf?* what level of risk are you happy to take?* how much info have you got already (from SE or other sources)?* do you have friends/family familiar with properties who can advise?* what condition is the property generally (though beware - nice paintwork and new kitchen can hide all sorts....)0
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