Acquiring house through divorce- survey

Mayaboo

I am eventually going to get the house I live in put into my name, after our divorce. It occurs to me that it's an old property, and my ex never had a proper survey when he bought it, only a mortgage survey. What kind of survey should I get and also need a valuation.

youth_leader

My buyer's mortgage survey was thorough.  They valued my house at £0, asking for further damp/timber investigations before agreeing to lend.  Would your ex allow you sight of this?.  

Mayaboo

youth_leader said:

My buyer's mortgage survey was thorough.  They valued my house at £0, asking for further damp/timber investigations before agreeing to lend.  Would your ex allow you sight of this?.  

I thought that mortgage surveys weren't thorough enough, that they just did the minimum so the lender wouldn't lose out?
i doubt he'd have the survey now

TBagpuss

What would the putpose be of getting the survey?
IF you thinkthe house may be worth less than your ex thinks, then normally tou'd get a formal valuation by a charteredsurveyor to establish the value for the purposes of divorce proceedings.

if you think there is damage / underlying issues with the house then you may be hbetter getting specialists to look at it - e.g. get an electrician in if you think there are ssues with the wiring, or a builder or structural engineer if you are concerned about the structure.

If you are planning on buying our your ex then assuming you need to get a mortgage to do so, your mortgage lender will require a valuation but not, generally a full survey. 

eddddy

As above, it's not very clear why you want a survey.

Is it because you feel that you'll get a more accurate valuation, if you have a survey at the same time?

Or is it to help you find out what repairs and maintenance might be needed in the future, so you can save-up / budget for them?


If you can tell the surveyor in advance why you want the survey, they might be able to 'customise' the survey to meet your specific requirements.

user1977

I doubt a survey is going to tell you anything significant you don't already know from living in the property. Is there something in particular you were concerned about?

movilogo

If you are already living in the house, then don't bother with survey. If there were something seriously wrong with the house you'd have known it by now.

Mayaboo

One of his workmen once accidentally sawed through a roof beam then allegedly it was bolted together. A builder who did some thing on the roof once alluded to the fact that inside the roof wasn't perfect but' how far do you go'. This house is going into my my name and a house we jointly own is going into his name

user1977

Mayaboo said:

A builder who did some thing on the roof once alluded to the fact that inside the roof wasn't perfect but' how far do you go'

A surveyor might not give you much more detail than that! Are there actually any problems with it e.g. does it leak? If yes, you get a roofer out.

Mayaboo

user1977 said:

Mayaboo said:

A builder who did some thing on the roof once alluded to the fact that inside the roof wasn't perfect but' how far do you go'

A surveyor might not give you much more detail than that! Are there actually any problems with it e.g. does it leak? If yes, you get a roofer out.

No it doesn't leak, it was retiled I was more worried about the strength and structural integrity . I'm worried about the beam having been sawed through ., as it's not ideal?

eddddy

Mayaboo said:

No it doesn't leak, it was retiled I was more worried about the strength and structural integrity . I'm worried about the beam having been sawed through ., as it's not ideal?

If you're worried about the structural integrity of the roof, you could get a Structural Engineer to look at it.

If a surveyor looked at it, they might just advise you to get a Structural Engineer to look at it anyway.

Mayaboo said:

One of his workmen once accidentally sawed through a roof beam then allegedly it was bolted together.

That seems a little implausible. I'm not really sure how anyone can accidentally saw through a roof beam.