Mortgage valuation survey Liverpool: Our primary aim is to help our customers and clients with accurate, independent and professional property advice. We offer Valuations, Homebuyer Reports and Building Surveys for a wide variety of customer needs.
Buying a property is the biggest purchase most of us will ever make. A survey will put your mind at rest. It can identify hidden defects and help you to make the right decision when buying your new home.
If you need a mortgage, your lender may insist on their own valuation but this will not inform you about the condition of a property. You can instruct us to carry out a survey to produce a report for you which will outline any concerns of defects to the property before you commit to purchase.
Buying a home
RICS Consumer Guide
It’s important to remember that your mortgage lender’s valuation report is not a survey. It merely tells your lender whether or not the property is reasonable security for your loan. A survey will tell you the actual condition of the property. That’s vital information that can be invaluable during price negotiations, and will also help you avoid expensive surprises after you’ve moved in. On average, home buyers spend £5750 on repairs once they move into their new home. This is often down to not getting a survey.
Selling a Home
RICS Consumer Guide
A survey can help you prepare for selling your property. It will show you any problems that may delay your sale or cause price reductions later in the process.
Why do you need a survey?
It’s simple as forewarned is forearmed. Choosing the right survey will help highlight any serious problems and advise you of the specific risks before you commit to the process of buying or selling a property.
A Valuation Report is a clear and concise report. It is ideal if you are buying a property with, or without a mortgage or, if you require advice on residential properties for purposes such as Help-To-Buy, matrimonial or probate. This brief report gives you valuation advice and highlights any issues which we think need to be addressed by your conveyancer. It is important to note that this report does not provide information on the condition of the property.
Please note – our sample report is to be used only as a guide
Avery & Co have experience in advising Help-to-Buy clients throughout the North West and North Wales. Our reports fully comply with the requirements of the scheme and we produce specifically designed Help-to-Buy Valuation Reports. Our valuer will usually spend no longer than 45 minutes at the property. After the inspection, we can usually provide you with a report within 5 working days.
A HomeBuyer Report (Level 2) is a survey and valuation report outlining the condition of the property on the day of inspection. The report is set out in clear sections addressing each aspect of the property such as the roof, walls and services, its condition and on-going maintenance. This uses a traffic light system of red, yellow and green to illustrate the urgency of issues and repairs. This report also includes a section detailing issues for your legal adviser, a market valuation and a recommended insurance rebuilding cost. A Homebuyer Report is generally considered suitable for the traditional property.
NOTE: We realise that you may have already had a valuation and do not need another one from us. Therefore, we can also provide a HomeBuyer Report without a valuation for a reduced fee. Please contact us for details.
Séamus is a Chartered Building Surveyor, Chartered Building Engineer, Chartered Building Consultant & RICS Registered Valuer and has over 25 years working in the property industry. He has detailed knowledge of new build to repairs and refurbishments of all types of properties including eradicating dry rot from Grade 11* listed buildings, converting barns into dwellings to designing and building new dwelling houses.
His breath and depth of qualifications and experience makes him a very proficient and skilful Chartered Building Surveyor who is capable of dealing with any issue on all types of residential property.
Séamus Smyth BSc (Dist.) MBA PG Dip Surv DMS C. Build E. FRICS FCABE FCIOB
Séamus acts on behalf of Avery & Co as a consultant specialising in residential Building Surveys and Building Engineer reports.
A Building Survey (Level 3) report is a detailed survey inspection. The report is divided into sections covering property information, condition advice using repair categories and repair cost banding, future maintenance. We also specialise in the provision of surveys for more complex properties.
Building surveys are suitable for all types of properties however are aimed particularly at large, older or run-down property, a building that is unusual or altered, or if you’re planning major works. It costs more than the other reports because it gives detailed information about the structure and fabric of the property. It includes:
– a thorough inspection and detailed report on a wider range of issues;
– a description of visible defects and potential problems caused by hidden flaws;
– an outline of repair options and the likely consequences of inactivity; and
– advice for your legal advisers and details of serious risks and dangerous conditions.
A building survey does not include a valuation however, at an additional cost your building surveyor may be able to provide you with one if they are qualified to do so.
“The information and advice given to me by Séamus was absolutely first class and I really appreciate him taking the time to pass on his undoubted knowledge to me. If the opportunity should arise I will always come to Avery & Co first in the future.” Mr P. Campbell.