If you are looking to buy a home, whether it is a flat, maisonette, bungalow or house, and regardless of its age you should always have an independent survey carried out.
Adrian J Singleton Limited will always ensure that you are provided with the best advice by taking care from the outset and we will ensure that you are given teh best possible advice about the condition of the property you are considering and guidance on issues that need careful consideration. Our chartered building surveyors cover Essex, London and all counties and regions throughout the UK.
If you are obtaining a mortgage, you will be familiar with the concept of a mortgage valuation survey and usually you will be obliged to pay a fee for this on top of your loan. Please note this is NOT a survey that offers you any protection whatsoever in terms of the building's condition. The purpose of such a survey is to enable to lender to determine if the property is sufficient security for the loan and in that regard the standard of test is very low indeed. The surveyor is merely checking that the building exists, that it is habitable and that it has the basic services connected to it. They do not look for specific defects and in most cases they will not be concerned if the building is in want of repair because it is an implied covenant of any mortgage that the borrower will keep the building in good condition. Remember, the bank or building society is lending you the money to buy your home but should you run ito difficulties later, they can sieze your home and sell it to recover the debt leaving you only with any residual value if the property's sale value exceeds the value of the loan outstanding.
the location relative to local facilities and transport links.
Insurance Cover - this is the valuation of the total rebuilding cost that you should ensure is provided to your insurers to be certain of adequate cover in the event of a claim - this figure will not be the same as and may be higher or lower than the Market Value. The method of valuation is in accordance with the Association of British Insurers and RICS guidelines.
Measured Survey and Plans - this useful addition will provide you with a floor plan for each storey of the property you are considering that will assit you with furniture layouts, considering alterations and modifications, and is a useful record for any building.
Measured Survey, Plans and Elevations - this is a very useful service if you wish to consider making extensions to the building or revising its external appearance as you will need to submit plans and elevations to the local authority for planning consent. The drawinsg will also form the basis upon which you can prepare cosntruction plans for the the Building Regulations and for contractors to prepare estimates for building works, etc.
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