We provide a wide range of legal services to individuals through our specialist teams of solicitors across our offices.
We provide a wide range of legal services to individuals through our specialist teams of solicitors across our offices.
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We provide a wide range of legal services to businesses through our specialist teams of solicitors across our offices.
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If you are buying a property, whether it’s an investment property or you are moving home, the decision is often the largest financial commitment you will make in your lifetime. Therefore, it’s very important to arrange a property survey.
A property survey is a detailed inspection report prepared by a qualified professional that provides important information about the property condition, legal boundaries and any potential issues. While it may seem like an extra expense, a survey is a powerful tool that can prevent costly surprises and potential legal issues.
Why should property buyers consider having a survey done?
Understanding the exact boundaries of the property you are buying is important. Buying without a property survey could run the risk of a boundary dispute with neighbours following completion. A surveyor will provide a survey plan which will detail the property’s legal boundaries and any encroachments that may already be in place. The survey can also reveal important legal issues, such as planning permissions, listed building status, or restrictive covenants, that may affect your use of the property. These findings, in conjunction with a Local Authority Search, could influence your ability to make future changes or extensions to the property.
An Environmental desktop Search will show potential issues in an area, but a survey can identify environmental issues such as flooding, subsidence, or contamination which can have serious consequences for your investment. A survey can assess the property’s location and environmental risks, ensuring you are aware of any potential threats before you proceed with the purchase. Additionally, a surveyor may highlight issues with the land itself such as soil stability or the presence of hazardous materials which may be expensive to remediate in the future.
Even the most stunning property may be hiding serious structural issues. Problems such as foundation cracks, rising damp or roof deterioration often go unnoticed during a standard viewing. A professional survey carried out by a qualified surveyor can uncover these hidden defects which may affect the safety and long term value of your property. Identifying any issues early can help you avoid unexpected and costly repairs. If any structural issues are found, the surveyor can provide detailed information to help you make an informed decision on whether to proceed with the purchase.
A property survey can serve as an invaluable negotiating tool due to the fact that if the property survey uncovers issues such as significant repair needs or legal challenges, you may be able to renegotiate the purchase price or ask the seller to make any necessary repairs. This is particularly beneficial in a competitive housing market where buyers often feel pressured to offer full asking price. By using the findings from a property survey, you can strengthen your negotiating position and avoid paying more than the property is actually worth.
If you require a mortgage, then mortgage lenders will often require a mortgage valuation. This is to ensure that the property is sufficient security for the loan. This valuation will not provide any in-depth analysis of the property, and you should not rely on this valuation and instead arrange your own survey.
By having a property survey, you gain a comprehensive understanding of the condition of the property you are buying, which will allow you to plan for future maintenance and repairs. This can be particularly useful for older properties, where wear and tear may not be immediately apparent. A thorough survey report will outline any areas requiring immediate attention, as well as providing a long-term maintenance plan, so you’re never caught off guard by unexpected costs.
Ultimately, a property survey gives you the insight needed to make a confident informal decision about, whether you’re buying a family home or a rental property. The survey provides critical data to help you assess the property’s suitability. Understanding both the immediate and long-term implications of the purchase ensures that you are fully aware of any risks or challenges before committing to the purchase.
There are several types of surveys available, depending on the level of detail and information you require when purchasing, broadly speaking, these are split into three categories:
Buying a property is one of the most significant decisions you will make in your lifetime. Therefore, to protect your investment and avoid potentially costly mistakes, a professional property survey is an essential important step in the buying process. By arranging a property survey, you not only gain valuable insights into the condition of the property you are buying but also this will ensure that you are legally protected and financially prepared for any surprises down the road.
Pinney Talfourd are here to assist you with buying your property. Please contact a member of our Residential Property team on 01708 511 000 for further information.
The above is meant to be only advice and is correct as of the time of posting. This article was written by Rebecca March, Associate in the Residential Property Team at Pinney Talfourd LLP Solicitors. The contents of this article are for the purposes of general awareness only. They do not purport to constitute legal or professional advice. Specific legal advice should be taken on each individual matter. This article is based on the law as of October 2025.
For help and advice, talk to a member of our team. They can advise on the best options in your matter.
