There are 3 main types of survey:

MORTGAGE STANDARD VALUATION: This carried out for the purposes of mortgage and is prepared for the lender A mortgage valuation is a process that the lender uses to determine whether or not a property represents a good investment. The purpose of the valuation is to compare the price of the property with those of a similar nature in the locality and to ensure that the amount you are borrowing is less than the value of the house. It also serves as a brief check on the location and general condition of the property and picks out any glaring disasters waiting to happen. The mortgage that is offered to you will be based largely on the results of the valuation, as the lender will not wish to lend you more money than the property is really worth.

HOME BUYER'S REPORT: This type of survey is prepared for you, and details the basic state of repair of the property. It almost always provides a basic valuation as well. By contrast, The Homebuyer Service is in a standard format and is designed specifically as an economy service It therefore differs materially from a Building Survey in two major respects. It is intended only for particular types of home: houses, flats and bungalows which are:

Conventional in type and construction, apparently in reasonable condition.

It focuses essentials: defects and problems which are urgent or significant and thus have an effect on the value of the property although it also includes much other valuable information.

The Homebuyer, unlike a Building Survey, provides not only a survey but also a valuation as an integral part of the Service.

Full structural survey. Also known as a building survey, this report is much more thorough than the other types of survey. It looks for major and minor problems and details all of them in a long report.

The level of survey that you choose is partly dependent on the age and type of property you're buying. When you are buying a relatively new home built to standard construction, a basic valuation is often sufficient. If you are in any doubt go for one of the more thorough (and more expensive) options. For any property over fifty years old, you should generally get a full structural survey done.

It is not necessarily in the interests of an estate agent to recommend a homebuyer or full structural survey. They don't particularly want you to do anything that may risk the deal falling through. In estate agency, like most businesses, time is money, the quicker they can sell the property the better.

VALUATION REPORTS FOR CASH BUYER'S: we have other services and reports available, such as, Valuation Reports for cash buyers. If you are a cash buyer and do not require mortgage finance, we are able to prepare an individual valuation report to a format approved by the Royal Institution of Chartered Surveyors, where obvious defects are drawn to your attention, but should further assurances be required, a more detailed survey would also be recommended.

MORTGAGES:

we can help you regarding your mortgage arrangement as well as providing you best service towards fining a home for you or selling your property.

In addition to advice on your individual mortgage requirements, our fully qualified team of independent financial advisors can provide comprehensive advice on the following:

Whichever method of repaying your mortgage you choose, you should consider taking advice on the availability and cost of ins In addition to advice on your individual mortgage requirements, our fully qualified team of independent financial advisors can provide comprehensive advice on the following: method of repaying your mortgage you choose, you should consider taking advice on the availability and cost of insurance illness or an accident. Our Independent mortgage brokers can offer mortgage and insurance services. With access to the whole of market also they have access to many schemes, from over 150 lenders. For insurance business we arrange policies exclusively from Legal & General.

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

All initial consultations are free of charge. If however, a mortgage application is arranged they make a charge for their services , Subject to certain circumstances this fee will be waived. For a free initial consultation or further information, please contact your local branch and we will introduce you