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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

4.3 771 reviews

  • Avatar Karen Howells-Lee ★★★★★ in the last week
    Great service from this company. Arranged by my lender, SDL rang to book an appointment … read more very quickly. Then rang back to offer an earlier slot. Paul rang 30 mins before arriving as promised. He was extremely pleasant, helpful and thorough. No complaint from us at all.
  • Avatar Greg Gibson ★★★★★ a week ago
    The surveyor who attended was extremely professional, showing covid awareness and … read more politeness from the very start. He was informative, engaging and made what could have been a strictly procedural meeting, a more personable and enjoyable one. We shared good conversation and SDL should be made aware that this surveyor represents the company in an excellent way. Would definitely recommend their services as a result
  • Avatar Michael Carney ★★★★★ 10 months ago
    I thought the service provided by Richard from SDL Surveying was fantastic. Gave … read more me a call the day of the survey to talk through his findings. Then once I had received the report, kindly talked me through the final report and answered my many questions. In what can sometimes be a painful experience, Richard made things super simple.