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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 a 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.

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. A 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.

80%

of homebuyers don’t bother to purchase a home survey

20%

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

4.4 728 reviews

  • Avatar Ranjit Singh Bhogal ★★★★★ in the last week
    The surveyor arrived promptly, was very professional and polite! He had a very good … read more knowledge of the local area so was able to provide a good and accurate valuation of our property. Would recommend them
  • Avatar Ross Humphrey ★★★★★ 4 weeks ago
    Our valuation today was really good. The man who carried it out was really professional … read more and followed all the Covid safe rules. He was quick but thorough and very friendly. Really happy with the service!
  • Avatar Mica Barrett ★★★★★ a month ago
    I had a surveyor attend to my property today; he was so polite and very professional. … read more I would definitely recommend to family and friends. Excellent service, easy to book a slot and communication from booking the appointment to receiving a precise slot window was spot on.
    Great company to use.