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Which type of property survey is right for me?

What’s the difference between a mortgage valuation and a home survey?

Valuations for lenders

When you apply for a mortgage, your lender may ask for the expert advice of an RICS Valuer to help them decide whether the property you are buying is worth the money they are lending to you.

At SDL, we inspect properties on behalf of a range of national lending organisations for this purpose. For more information on our mortgage valuations click here.

Find out more >

Surveys for buyers

A mortgage valuation is not detailed enough to inform you about the condition of the property you are purchasing.

We recommend that you should always commission your own independent home survey. This type of survey will help you to understand the property’s state of repair and budget for any needed repair work.

Why pay for a property survey?

A mortgage valuation is not a survey and is for the lender’s purposes only. A valuation report won’t point out structural problems that you may have to pay to fix further down the line.

Home surveys go into detail about the condition of a property, lists its defects, and tells you how to fix them. The level of detail is dependent on the type of property survey that you choose.


of homebuyers don’t bother to purchase a home survey


of those who don’t bother later uncover faults

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SDL Surveying IconSDL Surveying

Chetwynd Business Park, 3 – 4 Regan Way, Nottingham

4.1 831 reviews

  • Avatar NightWatch ★★★★★ 2 weeks ago
    Very good communication. I even asked Marc that I have doubts about negative reviews, … read more he was kind enough to explain the reasons of them. Surveyor Fiaz came the next day after my confirmation and survey report was ready in 2 days. Fiaz was very nice and polite and report was fair and explanatory, I recommend the company.
  • Avatar Oliver Bruce ★★★★★ 3 weeks ago
    SDL were very good for us, kept us informed when the first valuation had to be canceled, … read more but booked a new appointment quickly and communication was good. The surveyor turned up in the time slot given and was very knowledgeable and knew the area and got the valuation spot on, leading (touch wood) to our remortgage /refinancing going through and changing our lives for the better.
  • Avatar Hannah Smith ★★★★★ 9 months ago
    I had a surveyor do a valuation at my property yesterday for my buyer. The surveyor … read more was professional, friendly and very polite. I was extremely anxious after reading all the negative reviews that my house would be down valued, but alas no! My buyers have paid over the asking price for my house and the surveyor has valued it at the exact same amount. I'm so pleased and grateful for SDL.
    Thank you.