Is this subsidence?

finchy_2020

Currently in the process of buying a house as a BTL investment.

Valuation has come back and mentions cracks between top and bottom window and on the rear of the property, indication potential subsidence.

Huge tree next to house, and looking at the house next door (stone house), it may of had some of the brick work patched in to cover it up? The beige rendered house also appears to have cracks. What do we think?

House we're buying didn't have the same crack in 2012, stone house next door appears to of stayed the same.

https://www.dropbox.com/scl/fo/ivnyvxhuysxci8azd631x/AHEP9jMaR9UGNklsJj3OxWM?rlkey=qo178p8gl449ncdfmxhlouenl&e=1&dl=0 Photos here

finchy_2020

Currently in the process of buying a house as a BTL investment.

Valuation has come back and mentions cracks between top and bottom window and on the rear of the property, indication potential subsidence. Mortgage has currently been declined based on this finding.

Huge tree next to house, and looking at the house next door (stone house), it may of had some of the brick work patched in to cover it up? The beige rendered house also appears to have cracks. What do we think? I checked old Google street view history and in 2012 there were no cracks visible.

Photos here

poseidon1

finchy_2020 said:

Currently in the process of buying a house as a BTL investment.

Valuation has come back and mentions cracks between top and bottom window and on the rear of the property, indication potential subsidence.

Huge tree next to house, and looking at the house next door (stone house), it may of had some of the brick work patched in to cover it up? The beige rendered house also appears to have cracks. What do we think?

House we're buying didn't have the same crack in 2012, stone house next door appears to of stayed the same.

https://www.dropbox.com/scl/fo/ivnyvxhuysxci8azd631x/AHEP9jMaR9UGNklsJj3OxWM?rlkey=qo178p8gl449ncdfmxhlouenl&e=1&dl=0 Photos here

Don't want to appear rude but didn't you pay for a full structural survey rather than a mortgage valuation? 

All your pictures suggest to me is that a structural survey from an expert is the way to go - that's what I think.

finchy_2020

poseidon1 said:

finchy_2020 said:

Currently in the process of buying a house as a BTL investment.

Valuation has come back and mentions cracks between top and bottom window and on the rear of the property, indication potential subsidence.

Huge tree next to house, and looking at the house next door (stone house), it may of had some of the brick work patched in to cover it up? The beige rendered house also appears to have cracks. What do we think?

House we're buying didn't have the same crack in 2012, stone house next door appears to of stayed the same.

https://www.dropbox.com/scl/fo/ivnyvxhuysxci8azd631x/AHEP9jMaR9UGNklsJj3OxWM?rlkey=qo178p8gl449ncdfmxhlouenl&e=1&dl=0 Photos here

Don't want to appear rude but didn't you pay for a full structural survey rather than a mortgage valuation? 

All your pictures suggest to me is that a structural survey from an expert is the way to go - that's what I think.

This mortgage process has only been over the last week or so, so yes, a survey was in order regardless, but the valuation was done first and it's come back as subsidence - my issue is that I'm hesitant paying £600 for someone to say the same as the valuation.

Albermarle

Duplicate thread,

RAS

Duplicate thread

mark_cycling00

As you say, the crack goes between what might be two very large stones at the top and bottom of a window. These will be much stronger than the bricks in the rest of the wall 

I hope a skilled surveyor might be able to advise better than a mortgage valuer.

I'd search YouTube for some experts discussing cracks in walls and see if there alternative explanations to subsidence. If so then might be worth going ahead with survey. 

Have you looked through the previous dates on street view to see when it appeared? Subsidence due to trees seems to happen in certain dry years and 2024 wasn't one of those years