How Do House Surveys Work?

When buying your first home, getting a house survey is one of the most important steps. A survey gives you a clear picture of the property’s condition, highlighting potential problems before you commit to buying. Understanding how surveys work can help you avoid unexpected costs and make a more informed decision.

Why a House Survey Is Important

A survey is an inspection carried out by a qualified surveyor to assess the condition of the property. It helps you understand structural issues, maintenance needs, and potential risks. Some surveys are straightforward, focusing on obvious problems, while others are more detailed, providing advice on long-term upkeep and costs. Having a survey in place can also support mortgage applications, as some lenders require certain types of surveys depending on the property.

Types of House Surveys

Level 2 – Homebuyer Report
A Level 2 survey, also called a Homebuyer Report, is suitable for most conventional homes in reasonable condition. The surveyor checks the general condition of the property, including walls, roofs, floors, and windows. They highlight urgent defects, major issues, and potential risks like damp, woodworm, or subsidence. The report also includes guidance on repairs, approximate costs, and ongoing maintenance. A Homebuyer Report gives peace of mind and can even help in negotiating the purchase price if problems are found.

Level 3 – Building Survey (Full Structural Survey)
A Level 3 survey, or Building Survey, is the most comprehensive type of property inspection. It’s ideal for older, larger, unusual properties, or homes that may require renovation. The surveyor examines the property in detail, including structural elements, roofs, walls, foundations, and chimneys. They inspect both internal and external areas for defects and potential future problems, providing a full report with advice on repairs, maintenance, and costs. A Building Survey ensures you fully understand the property’s structure and long-term requirements before committing.

Other Types of Surveys
There are also specialist surveys available, such as damp surveys, structural surveys for conversions, or asbestos inspections. These are usually commissioned for specific concerns or unique properties. While Level 2 and Level 3 are the main surveys most buyers need, it’s worth knowing your options.

Choosing the Right Survey

Deciding between a Level 2 and Level 3 survey depends on the property and your plans. For newer, standard homes in good condition, a Homebuyer Report is often sufficient. For older properties, unusual builds, or homes requiring renovation, a Building Survey is the safest option. If you’re unsure which survey is right for you, get in touch and we’ll talk you through all the different types and help you make the right choice.

How Much Do House Surveys Cost?

The cost of a house survey depends on the type and level of inspection you choose. A Level 2 (Homebuyer Report)typically costs between £400 and £700, while a more detailed Level 3 (Building Survey) can range from £600 up to £1,200 or more, especially for larger or older properties.

Other factors can affect the price, including the size, age, and location of the property, as well as any specialist inspections you might need, such as damp surveys, electrical checks, or structural reports.

Our Take at Turtle Mortgages

A house survey is an essential part of buying your first home. It protects your investment and ensures you know exactly what you’re buying. By understanding the types of surveys available and choosing the right one for your property, you can move forward with confidence and avoid costly surprises.