We are independent, professional and thorough building surveyors in Cambridge and HaverhillWe are independent, professional and thorough building surveyors in Cambridge and HaverhillWe are independent, professional and thorough building surveyors in Cambridge and HaverhillWe are independent, professional and thorough building surveyors in Cambridge and HaverhillWe are independent, professional and thorough building surveyors in Cambridge and Haverhill

We are specialist building surveyors in Cambridge and Haverhill focusing on residential properties and listed buildings

A mortgage valuation survey doesn’t give the full picture

People often think that a mortgage lender’s valuation survey checks the condition of a property – but it doesn’t!

Mortgage valuations can give you a rough idea of whether you are paying too much (or too little!) for a property. A lender’s valuation is a limited check on a property to make sure it is worth the money they are lending. Or, to put it another way, it answers the question ‘Will we get our money back if we had to force a sale?’, which is different from the value of the house on the open market.

A full and thorough building survey, however, is vital as there are some problems you just can’t confirm for yourself. Even if you suspect damp or subsidence, only a surveyor can tell you for sure. Not having a more in-depth survey and relying on the mortgage valuation alone could prove to be a costly decision further down the line.

Find out more about why a mortgage valuation survey is no substitute for a full building survey >

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If you have any questions or require some free related advice then please do not hesitate to contact us.

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