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Before even considering a mortgage application all lenders require a standard valuation to be undertaken on the property. This is to ascertain the true value of the property being purchased or re-mortgaged.


As well as a standard valuation, there are two other types of report available which provide the homebuyer with more information about the property, these are:


  • HOMEBUYER'S REPORT - this provides you with information about the general condition of the property.
  • FULL STRUCTURAL SURVEY - If the property is more than ten years old, or there are any aspects of the condition of the building that you would like investigated, then you could request a full structural survey, which will provide you with the required information before you make a further commitment to purchase.


Please note that in most situations YOU are expected to pay for the valuation and survey on the property you wish to purchase, although some lenders will repay the cost of the standard valuation upon completion.

The guidance and/or advice contained in this website are subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Think carefully before securing other debts against your home.

You home may be repossessed if you do not keep up repayments on your home.

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