• Blog
  • Process
  • FAQ
  • Contact
  • Agent Login
  • Surveyor Login
  • Homebuyer Login
  • Useful Things to Know from Surveyors Near Me

    25th February 2019

    Buy-to-Let Survey

    Matt Nally

    Buy-to-Let Survey Is a property survey just for those looking to buy a house to live in? Yes and no. Why do you get a survey? The core reason is to check that the property is a sound investment and a fair price for its condition. But as a landlord this information alone is limited…

    View post

    8th February 2019

    Who are the RPSA?

    Matt Nally

    Who are the RPSA? The RPSA stands for the Residential Property Surveyors Association. The Residential Property Surveyors Association (RPSA) is a representative body for independent specialist residential surveyors who are the industry’s leading specialists in reporting on the condition of residential properties on behalf of home buyers. The RPSA is dedicated to helping its members…

    View post

    10th October 2018

    Do I Need a Party Wall Agreement?

    Matt Nally

    Do I Need a Party Wall Agreement? We’ll start with the basics as we always do and build up the detail. Let’s start with what a party wall or party structure is, what types of work are and are not covered then look at when you need a party wall agreement or party wall award.…

    View post

    10th September 2018

    Asbestos - What is it and should I be concerned?

    Matt Nally

    Asbestos – What is it and should I be concerned? Chances are you have heard of asbestos – it’s something that has had lots of publicity due to health implications, particularly in the work place. But, asbestos has also been commonly used in residential buildings. At this point you may be trying to find out…

    View post

    6th September 2018

    The Scottish Home Report

    Matt Nally

    The Scottish Home Report   Houses for sale in Scotland have to be marketed with a Home Report. This is a pack of three documents: a Single Survey, an Energy Report and a Property Questionnaire. The Single Survey contains an assessment by a surveyor of the condition of the home, a valuation and an accessibility audit for people…

    View post

    6th September 2018

    The RICS Level 1 Condition Report

    Matt Nally

    The RICS Level 1 Condition Report   The RICS Level 1 Condition Report is the most basic level house survey. It is suited to a conventional house, flat or bungalow built from common building materials and the property must be in a reasonable condition. It focuses purely on the condition of the property by setting…

    View post

    5th September 2018

    Selling a House - How to Pass the Buyer's Survey

    Matt Nally

    Selling a House – How to Pass the Buyer’s Survey If you are selling your house and have agreed on an offer your buyer may well get an independent survey conducted on the property following the mortgage valuation and mortgage offer. Remember, a mortgage valuation is done by the lender to check that the value of…

    View post

    3rd September 2018

    The Process of Buying a House - Which Professionals do I Legally Need?

    Matt Nally

    The Process of Buying a House – Which Professionals do I Legally Need?   None. You don’t legally need to use any property professionals in the process of buying a house or selling a house. I guess we could finish the article there. But let’s ask a couple of different questions – What does each…

    View post

    31st August 2018

    10 Mistakes You'll Probably Make When You Buy a House

    Matt Nally

    10 Mistakes You’ll Probably Make When You Buy a House Buying a house is a fairly straight forward process. That isn’t to say there aren’t questions or issues that won’t come up and leave you wondering how best to proceed. Understanding the overall home buying process and where you are heading next makes getting through…

    View post

    29th August 2018

    The Complete Guide to Buying a House

    Matt Nally

    The Complete Guide to Buying a House   Buying a house, particularly as a first-time buyer, can feel like you are just about muddling your way through the process. It needn’t be that way – here we discuss the full timeline of buying a property, things to consider and who is on your side at…

    View post

    16th August 2018

    The Building Survey - What is it?

    Matt Nally

    The Building Survey – What is it? The Building Survey is a level 3 survey – the highest level non-invasive (e.g. drilling into walls) survey you can get. An Overview of this report: A detailed inspection of the property A detailed report from the inspection findings – RPSA – each surveyor follows the RPSA template.…

    View post

    16th August 2018

    The Homebuyer Report - What is it?

    Matt Nally

    The Homebuyer Report – What is it? This is a level 2 survey suited to most types of property.   An Overview of this report: An inspection of the property A report (providing a valuation and reinstatement cost as standard unless selecting the new ‘survey only’ version) Homebuyer Report – this is the RICS version…

    View post

    25th April 2018

    RICS Red Book Valuation

    Matt Nally

    RICS Red Book Valuation RICS Valuation – Professional Standards (the ‘Red Book’) contains mandatory rules, best practice guidance and related commentary for all members undertaking asset valuations to ensure that the valuation you receive is as accurate as possible and contains all the information required for the different valuation types that exist. Get Quotes  …

    View post

    19th March 2018

    Houses of Non-Traditional Construction

    Matt Nally

    Houses of Non-Traditional Construction What determines if a house is traditionally constructed or non-traditionally constructed? Simply put traditionally constructed homes are built from stone / bricks and mortar. Non-traditional methods are properties built with concrete or steel frames with small or large panel walls. There are a number of examples which we will look at…

    View post

    13th March 2018

    What is a DPC (Damp Proof Course)?

    Matt Nally

    What is a DPC (Damp Proof Course)? If the title hasn’t given too much away a DPC is a damp proof course. The real questions are – what does your damp proof course (DPC) do, where do you find your damp proof course and do all properties have one?   What does your damp proof…

    View post

    25th January 2018

    9 Checks to Make When Choosing a Surveyor

    Matt Nally

    9 Checks to Make When Choosing a Surveyor   1. Who exactly will be handling your survey? We have a range of surveying firms we work with from individual surveyors to larger firms. The person you first contact may be the surveyor themselves or it may be someone in the team that helps get your…

    View post

    8th January 2018

    Damp - Types, Causes, Symptoms and Solutions

    Matt Nally

    Damp – Types, Causes and Solutions Damp is a word that often sends fear when it comes back in a report or when you are told you have it in your house. But, don’t despair. Once the cause is identified it can be rectified. The difficult part is ensuring that you are fixing the cause…

    View post

    2nd January 2018

    Why You Shouldn't Use Your Mortgage Lender's Surveyor for your Survey

    Matt Nally

    Why You Shouldn’t Use Your Mortgage Lender’s Surveyor for your Survey It may seem easier to keep your survey tied in with your mortgage valuation. However, the surveyor ultimately works for your lender (and not you) which could throw up some issues with your mortgage. Reason 1: It may jeopardise your mortgage application A mortgage…

    View post

    15th December 2017

    What Type of Walls Does My House Have?

    Matt Nally

    What Type of Walls Does My House Have? There are different types of wall throughout with the property both inside and out. Let’s start with the external walls.   External walls In the UK there are two main construction types used: solid walls and cavity walls. Solid walls: have no cavity and each wall is a…

    View post

    13th December 2017

    What is Eroded Mortar or Pointing?

    Matt Nally

    What is Eroded Mortar or Pointing? What is pointing? Pointing is the mortar between the bricks or stones in a wall. Over time either the mortar or the brick/stone itself can erode. Areas of eroded mortar can be a source of water ingress potentially leading to damp within the property. More interestingly repointing that has…

    View post

    6th December 2017

    Glossary - Jargon Busted

    Matt Nally

    Glossary – jargon busted A  B  C  D  E  F  G  H  I  J  K  L  M  N  O  P  Q  R  S  T  U  V  W  X  Y  Z A Auction: a public sale in which goods or property are sold to the highest bidder Asking Price: the price at which something is offered for sale   B Building Survey:  survey suitable for big, old, complicated, or listed properties as well as those in need of renovation.   C Completion: the final…

    View post

    6th December 2017

    Movement, Subsidence and Settlement

    Matt Nally

    Movement, Subsidence and Settlement   https://surveyorsnearme.com/site/wp-content/uploads/2017/12/Movement-Subsidence-Settlement-Video.mp4   Movement and subsidence are dreaded words when looking at a property. But what actually are they and are they as bad as they sound? Like anything, it’s fine in moderation. All properties are likely to be affected in some way by these issues – properties and the ground…

    View post

    27th November 2017

    Local Surveyor or National Surveyor?

    Matt Nally

    Local or National Surveyor?   https://surveyorsnearme.com/site/wp-content/uploads/2017/11/Local-or-National-Surveyor.mp4   Does it matter where my surveyor is from? Firstly, lets look at the benefits of a chartered surveyor.  RICS Chartered Surveyors have undertaken a RICS accredited degree followed by further on the job training. They then must prove their understanding to RICS in order to become accredited. They…

    View post

    24th November 2017

    Shared Ownership v Shared Equity

    Matt Nally

    Shared Ownership v Shared Equity What are they for? Ownership structures that you can use when you’re not an individual cash buyer or using a mortgage alone. With it becoming harder to save up a large enough deposit to buy a house, these ownership options are designed to help people to buy a property who…

    View post

    17th November 2017

    Joint 9th Biggest Mortgage Lender… Bank of Mum and Dad

    Matt Nally

    Joint 9th Biggest Mortgage Lender… Bank of Mum and Dad There’s a new bank on the high street with impressive customer uptake… well, not quite – actually it’s quite alarming. The Bank of Mum and Dad is now lending a similar amount to the ninth biggest mortgage lender and will be involved in more than…

    View post

    17th November 2017

    Can The Buyer Change Their Offer or The Seller Accept Another Once An Offer is Agreed? (Gazump v Gazunder)

    Matt Nally

    Can The Buyer Change Their Offer or The Seller Accept Another Once An Offer is Agreed? (Gazump v Gazunder v Gazang) In England and Wales… yes. You or the buyer can change your offer after it has been accepted, although not after you have exchanged contracts. The system is Scotland is slightly different and means…

    View post

    16th November 2017

    I’ve Had A Mortgage Valuation - That’s Enough?

    Matt Nally

    I’ve had a mortgage valuation – that’s enough? Definition: Mortgage valuation: ensures your prospective lenders that the property you are buying is worth the amount of money they are parting with. This is important because it is focussed on giving your lender the confidence that the amount they are lending is safe… your deposit isn’t…

    View post

    16th November 2017

    8 in 10 Buyers Research Their Next Fridge In More Depth Than Their Next House

    Matt Nally

    8 in 10 Buyers Research Their Next Fridge In More Depth Than Their Next House As buyers we consider ourselves to be quite savvy. We look at customer reviews on the products we want to buy to see if the next hoover or fridge we want is as good as the ads make it look.…

    View post

    15th November 2017

    When Do I Have to Pay Stamp Duty?

    Matt Nally

    When Do I Have to Pay Stamp Duty? Stamp duty: is a tax owed to the government when you by a property. Due date: stamp duty must be paid within 30 days of completing on the purchase of your house. Failing to submit a return and paying the tax could lead to penalties and interest charges…

    View post

    15th November 2017

    Selling on the Help to Buy Scheme

    Matt Nally

    Selling on the Help to Buy Scheme Before buying any house via any method, (cash, mortgage or help to buy), you should consider what issues may exist when selling. When buying a house with a mortgage there is a claim registered against the property from the mortgage company. When you buy with the Help to…

    View post

    14th November 2017

    Things To Consider When Using The Bank of Mum and Dad (BoMaD)

    Matt Nally

    Things To Consider When Using The Bank of Mum and Dad (BoMaD)   As we discussed in our blog on 9th Biggest Mortgage Lender – BoMaD the role of parents in buying a home has increased more and more. Despite this lending, many do not put in place a loan agreement. Disputes, in life, often…

    View post

    14th November 2017

    When Do I Need Planning Permission and Building Regulations?

    Matt Nally

    When do I need Planning Permission and Building Regulations? There are two times where it is important to know when you need these. Firstly, when you buy a house. You need to be able to look at what work has been done and ask your conveyancer whether or not the relevant planning permissions and/or building…

    View post

    14th November 2017

    Which Mortgage Should I Get?

    Matt Nally

    Which Mortgage Should I Get? First – What is a Mortgage? A mortgage is any loan that uses real property (land and anything immobile attached to it) or personal property (anything else: clothes, car, furniture) as security for that loan. By far the most common type of mortgage and the most relevant for anyone who…

    View post

    7th November 2017

    Who Can Help in the Homebuying Process?

    Matt Nally

    Who Can Help in the Homebuying Process?   https://surveyorsnearme.com/site/wp-content/uploads/2017/11/Who-Can-Help-In-The-Homebuying-Process-Video.mp4   There are a number of people involved in the different stages of the homebuying process. Sometimes it is clear what their role is, other times it is less so. So, who do you have to interact with and what do they have to do?  …

    View post

    3rd November 2017

    Can I Attend My Survey?

    Matt Nally

    Can I Attend My Survey? Most surveyors will agree to spend some time at the property with you as part of a building survey or homebuyer report inspection. If this is important to you then do double check with your surveyor before booking as some may charge extra due to the extra time required at…

    View post

    2nd November 2017

    Understanding The Homebuyer Report or Building Survey Report

    Matt Nally

    Understanding The Homebuyer Report or Building Survey Report When you receive your report you are going to want to know straight away what your surveyor found. There is usually a summary at the beginning of the report giving your surveyors overall opinion before looking at each area in more depth. Try not to be overwhelmed…

    View post

    13th October 2017

    What Do Surveyors Look for in a Homebuyers Survey?

    Matt Nally

    What Do Surveyors Look for in a Homebuyers Survey? Let’s start with what the survey will provide: An inspection of the property A report (stating a valuation if the Homebuyer Report (Survey and Valuation) was requested) Get Quotes   Why get a Level 2 Homebuyer Report? Be informed about the property your are buying Understand…

    View post

    13th October 2017

    What Do Surveyors Look for in a Building Survey?

    Matt Nally

    What Do Surveyors Look for in a Building Survey? Let’s start with what the survey will provide: A detailed inspection of the property A detailed report from the inspection findings – your surveyor may follow their own template rather than the RICS template unlike the HomeBuyer report. This is to allow more flexibility to report…

    View post

    13th October 2017

    What Do Surveyors Look for in a Condition Report?

    Matt Nally

    What Do Surveyors Look for in a Condition Report? Let’s start with what the survey will provide: An inspection of the property A report   Why get a Level 1 Condition Report? Highlights defects that need urgent attention or are hazardous to safety Covers issues that need further investigation to prevent damage to the building…

    View post

    13th October 2017

    Making an Offer - Email Template

    Matt Nally

    Making an Offer – Email Template   When making an offer you are looking to settle on a price where both parties are happy. This prevents either party wanting to change the offer at a later date known as gazumping, gazundering or gazanging. Remember, when an offer is accepted the property is sold – subject…

    View post

    9th October 2017

    Which Type of Survey is Right for Me?

    Matt Nally

    The Types of Survey – Overview Mortgage valuation: is not a survey – it is to confirm to your lender that they could recover their loan if needed RICS Level 1 Condition report: the most basic detail level RICS Level 2 Homebuyer Report: mid level survey RICS Level 3 Building Survey: the most comprehensive level…

    View post

    4th October 2017

    Buying at Auction

    Matt Nally

    Buying at Auction When buying at auction if you secure the winning bid you skip straight to exchange and completion. In other words you become the legal owner of the property and must provide the deposit funds. This means you must do all of your viewings and checks before you go to auction and bid!…

    View post

    3rd October 2017

    Step 3c - Buy the Property: Moving House

    Matt Nally

    Moving house is the final part of the process and usually happens on the same day as completion. Once the seller’s conveyancer has received your funds the property is yours and the seller has to vacate. You can collect the keys from the estate agent (if they sold through one) and start moving in!  …

    View post

    3rd October 2017

    Step 3b - Buy the Property: Completion

    Matt Nally

      On completion day you’ve reached the stage you’ve been aiming for since you started establishing your budget – ownership of the property is transferred to you and your funds are transferred to the seller. There are things you can do ahead of completion day to ensure it goes smoothly and ensure there are no…

    View post

    3rd October 2017

    Step 3a - Buy the Property: Exchange of Contracts

    Matt Nally

      During exchange of contracts the transaction becomes legally binding. Contracts are read out in a recorded phone call to confirm that each party has an identical contract stating the completion date, any fixtures and fittings included and the agreed sale price. These are then signed and posted to the other party (exchanged) along with…

    View post

    3rd October 2017

    Step 2c - Check the Property: Conveyancing Process

    Matt Nally

      The conveyancing process is the legal work that is required to transfer ownership of the property from the seller to the buyer. Whilst it starts in the Check the Property stage of the process, it moves through the remaining stages even continuing after you have moved in to ensure any loose ends are tied…

    View post

    3rd October 2017

    Step 2b - Check the Property: RICS Survey

    Matt Nally

    A RICS Building Survey or Homebuyer Report ensures you know exactly what you are buying and ensures you avoid buying something you later resent! There are plenty of properties in good condition in the UK property stock but there are also a large number of properties where homeowners have not kept up to date with maintenance…

    View post

    3rd October 2017

    Step 2a - Check the Property: Mortgage Valuation Process

    Matt Nally

    The mortgage valuation process is the start of getting your mortgage offer. The mortgage in principle you got earlier provides an indication of what you can afford – but mortgages are specific to the property so here you check that your lender is willing to provide a mortgage.   Your mortgage lender will send a surveyor…

    View post

    3rd October 2017

    Step 1c - Find a Property: Agreeing an Offer

    Matt Nally

      You make or lose money when you purchase, not when you sell. Do your research to make sure you come to the right offer. A good offer is one that is a fair market price where both parties meet half way between what they are willing to pay and willing to accept. Remember, an…

    View post

    3rd October 2017

    Step 1b - Finding Houses for Sale: Property Search and Viewings

    Matt Nally

      Searching for houses for sale is usually the most fun part of the process. The whole point of the process is finding a house to buy. But this is where many homebuyers rush and don’t take the time to consider some very key points which will inform your offer and make sure you enjoy…

    View post

    3rd October 2017

    Step 1a - Find a Property: Budget

    Matt Nally

      Establishing the budget when buying a home comes first as it saves you a lot of time later! This stage is about knowing exactly what you can afford to buy before investing time in finding a property.   The easiest mistake to make as a first-time buyer is to get carried away and look…

    View post

    3rd October 2017

    Buying a Home - 3 Simple Steps

    Matt Nally

      The homebuying process is made up of 3 key stages which can be seen in more detail below: Find a property Check the property Buy the property   This is the stage where you work out how much money you have to cover putting down a deposit, paying purchase fees and what value property…

    View post

    3rd October 2017

    Why Get a RICS Survey?

    Matt Nally

    Why Get a RICS Survey? The video explains why you should get a Homebuyer Report or Building Survey and is produced by the Royal Institution of Chartered Surveyors. A residential survey gives you the full picture about the condition of the property. Armed with the information in a Building Survey, Homebuyer Report or Condition Report…

    View post

    3rd October 2017

    Homebuyer Report or Building Survey?

    Matt Nally

    Homebuyer Report or Building Survey? The video is produced by the Royal Institute of Chartered Surveyors and simply explains which property types each survey is suited to.   You need to choose the right type of survey for the property for it to be beneficial to you. If you get a survey that is too…

    View post