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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.


of homebuyers don’t bother to purchase a home survey


of those who don’t bother later uncover faults

Our survey products


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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.