When purchasing a home in the UK, choosing the right type of property survey can help you avoid costly surprises and make an informed decision. Below is a plain-text overview of the main survey types available.
1. Mortgage Valuation Survey
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Conducted for the lender’s benefit—not the buyer’s.
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Confirms the property value as security for the loan; may be desktop‑based or superficial.
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Does not assess condition or structure.
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Avoid relying on it to uncover defects.
2. RICS Home Survey – Level 1 (formerly “Condition Report”)
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The most basic and affordable survey.
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Applies a traffic‑light system (red/amber/green) to highlight urgent issues, risks, and limited defects.
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No valuation or repair advice is provided.
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Suitable only for modern, conventional properties in good condition.
3. RICS Home Survey – Level 2 (formerly “HomeBuyer Report”)
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Mid‑level survey offering a more detailed inspection of accessible areas including roof spaces or cellars.
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Reports on issues like damp, rot, woodworm, subsidence, legal risks, and maintenance needs.
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Offers optional valuation and insurance reinstatement figures.
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Suitable for most standard, conventional homes built since ~1800 in reasonable condition.
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Provides clear advice, defect budgets, and recommendations for further investigation if needed.
4. RICS Home Survey – Level 3 (formerly “Building Survey”)
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The most comprehensive and detailed survey option.
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Recommended for older (50+ years), listed, heavily altered homes—or properties requiring renovation.
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Covers construction materials, hidden or potential defects, roof, walls, services, and grounds.
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Includes repair options, projected costs, consequences of non-repair, and suggested timelines.
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Often includes stronger insight than mid‑level reports.
5. Specialist Surveys
If issues surface or you have concerns, a RICS Level 2 or Level 3 survey may recommend one or more specialist assessments, such as:
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Damp and timber surveys
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Drainage and roofing inspections
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Electrical, gas, boiler checks
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Asbestos surveys
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Pest inspections (e.g. rodents)
These are tailored to address specific types of risk and can support renegotiation or planning.