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Choosing the Right Building Survey for Your Next Home

When purchasing a property with a mortgage plan, it is important to engage the services of an independent surveyor. The type of property you plan on purchasing should determine the survey you pick.


When purchasing a property with a mortgage plan, it is important to engage the services of an independent surveyor. The type of property you plan on purchasing should determine the survey you pick.

It is standard procedure for the property's lender to insist on a Valuation Survey to determine if the property is worth lending against all odds. 

Such valuations only allay the fears of the lender without catering to the needs of the buyer. This is why prospective buyers must carry out independent surveys to protect their interests. However, most buyers prefer to rely on the findings of the lender to cut costs. 

In this article, we will be revealing some reasons why it's worth paying for an independent survey and what you can expect for your money. We will also be sharing how the type of property you're buying should determine which land surveys you choose. 

Valuation Survey - Important But Not Enough 

These surveys are short and superficial, plus they do not necessarily carry out the appropriate and required research. 

Most lenders are more concerned with the terms and conditions of the loan package and less concerned with the structural issues of the property. 

Since the buyer is not the client, the exercise usually consists of a brief visit to the property or a drive-by. It then ensures that the price in question falls within those of the neighborhood, knowing its location, age, and condition. 

Also, since you are not the client, you will not be rendered any reappraisal when an error occurs. 

In that case, you won't be given any due information or guarded than you used to even when you have paid about 300 euros for the rights. 

Homebuyers Report 

The independent surveyor would generally spend a couple of hours running a detailed check on the interior and exterior parts of the structure. And report the situation in a standard format, written in plain English and about twenty pages long. 

Then the surveyor presents the buyer with a concise and easy-to-understand evaluation of the overall property, pointing out significant faults and costs. At this point, the purchase is checked whether it sounds good or if the offer is great. 

This survey equips the buyer with credible information that allows them to return to the negotiating table based on the new findings. If the buyer then wishes to re-negotiate, they can go ahead. Note that the valuation entails both the insurance and market values 

The Building Survey 

The building surveys is a more detailed and concise survey that might take up to two weeks to compile, unlike the homebuyer’s report. The contents of this survey are more technical, with illustrations and supporting evidence. It is essential for old properties constructed when building regulations were relaxed. 

Properties erected using alternative materials like a timber frame are also subject to an accurate survey, especially where major alterations are intended. Although expensive, such exercise should be considered an investment considering the amount of work and headache it saves the buyer. 

Choosing the Right Surveyor 

Buyers are advised to engage the services of an independent surveyor that provide guaranteed results. This is better than trying to cut costs by relying on the biased services, which the lender’s valuation survey would provide. Also, to avoid costly mistakes down the road, an independent surveyor is an investment to make.  


In making your choice for the right survey, it is better to pick a surveyor with vast knowledge in the field. AlsoFeature Articles, ensure to perform a full-survey on the land you desire to purchase and ensure that the property is worth the purchase.

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Nancy Whitman is a writer and contributor to Sydney Surveyors.

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