The Mortgage Valuations

Independent Advice

We can provide help and advice from independent surveyors with regard to building surveys, structural surveys, independent valuations, property surveys, structural reports, engineers reports, specific defects report, home buyers reports or any other property matters.  Our surveyors are all independent, meaning they are not affiliated to any bank, building society or estate agent, and will therefore offer you impartial advice.

Mortgage Valuations

Mortgage Valuation Report

A mortgage valuation report is often described inaccurately as a survey, which it really isn’t.  Basically, the valuation report looks at the value of the property and, in spite of the fact that you generally pay for it is actually for the benefit of the bank or building society lending you the money to buy the house. The inspections are cursory, usually only taking about fifteen minutes to half an hour to complete.  Make no mistake, the surveyor in this instance is not acting on your behalf, he is working for the lender.  Having established that the Surveyor carrying out your mortgage valuation only spends about the same amount of time looking at your potential purchase as you did when viewing it, and having established that he is not protecting your interests, he is working for the lender.

What other options do you have to protect your investment?

There are two types of survey where the Surveyor is acting on your behalf and really working for you (as long as he’s not doing the mortgage valuation as well, but more about that later): the Building Survey (formerly called a Structural Survey) and the Homebuyers Survey. So what does each one involve and to what are they suited?

Why don't you compare one of our surveys with one prepared by a mortgage company-owned surveyor - click here.

Independent Surveyors

If you truly do want an independent expert opinion from a surveyor with regard to valuations, mortgages, mortgage companies, surveys, building surveys, structural reports, engineers reports, specific defects report, structural surveys, home buyers reports or any other property matters please contact 0800 298 5424 for a surveyor to give you a call back.

Commercial Property

If you have a commercial property, whether it is freehold or leasehold then sooner or later you may get involved with dilapidation claims. You may wish to look at our Dilapidations Website at and for Disputes go to our Disputes Help site

We hope you found the article of use and if you have any experiences that you feel should be added to this article that would benefit others, or you feel that some of the information that we have included is wrong then please do not hesitate to contact us (we are only human).

The contents of the website are for general information only and are not intended to be relied upon for specific or general decisions.  Appropriate independent professional advice should be paid for before making such a decision.

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