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Will a Mortgage Valuation Survey be Thorough Enough?

  1. Rachael from Southampton
  2. 17 December 2014
  3. Surveying Advice questions and answers


My mortgage has been pre-approved and it’s soon to be confirmed. I understand the mortgage lender will provide a survey, but I’m concerned it won’t be thorough enough. Is it worth getting a second one done? My estate agent has offered me a surveyor from their company but I’m nervous it will be biased.


Mortgage valuation surveys are only for the benefit of the lender so they can get their money back if necessary. They may well not share the details of the survey with you, so we recommend that you get your own survey. The surveyor can then talk you through any issues that need sorting or negotiating and you then own that survey.

To find your own independent surveyor, reallymoving.com works with plenty of surveyors and we give instant quotes for four different surveyors offering HomeBuyer Reports and/or Buildings Surveys throughout the country. You will get four sets of prices to compare against those offered by your estate agent. We strongly recommend you use a RICS Chartered Surveyor.

For more information about the different types of surveys available conducted by a RICS Chartered Surveyor, you can view our article, ‘What type of survey do I need?

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