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You are here: Home / Mortgages / Home Survey Costs / GOTO Group RICS Homebuyer & Building Survey

by Payam Azadi

GOTO Group RICS Homebuyer & Building Survey

RICS Homebuyer Report & RICS Building Survey via GOTO Survey

At Niche Advice we have partnered with GOTO Group to provide our clients with a range of professional services including Homebuyer & Building Surveys.

The information below has been provided by my GOTO Group for guidance purposes only

BENEFITS OF USING GOTO SURVEYS
  • Peace of mind
  • Saves time & money
  • Ability to speak to surveyor
  • Surveyor is acting for client unlike with lender valuation
  • All our surveyors are members of the Royal Institute of Chartered Surveyors (RICS)
There are good reasons why you should NOT use the lender’s surveyor to do your survey
  • May jeopardise the mortgage application.
    If you ask the lender’s surveyor to perform a more detailed survey then there is a greater chance that they may find something untoward. If so they will have a duty to inform the lender and this may jeopardise the mortgage application. By using your own surveyor you avoid this risk and ensure the surveyor has no conflict of interest. The surveyor acts solely for you allowing you to decide what, if any, action to take in light of the survey.
  • Faster turnaround.
    Instructing your own surveyor is usually much quicker. A 7 day turnaround is typical whereas lender’s surveyors are generally booked up well in advance. The sooner you know the true condition of the property the sooner you can make informed decisions such as obtaining quotes for remedial work.

Which survey is right for me? read more…

Which survey is right for me?
Key FeaturesRICS HomeBuyer ReportBuilding
Survey *
Independent valuation to help you avoid overpaying for the property.✔
Provides rebuild cost for insurance purposes.✔
Report provides easy to read traffic light rating.✔
Identifies any problems that need urgent attention or require further investigation.✔✔
Helps avoid unexpected costly repairs after you move in.✔✔
Suitable when buying a conventional house, flat or bungalow, built from common building materials.✔✔
Identifies potential legal issues that need to be addressed before completing your purchase.✔✔
Identifies issues that need to be investigated to prevent serious damage or dangerous conditions.✔✔
Gives advice on the steps needed to repair/resolve any defects identified.✔✔
Establishes how the construction type materials are used and how these will perform in the future.✔
Suitable for older properties or extensively modified buildings or a property in need of modernisation.✔
A more detailed visual inspection of a wider range of issues including a more thorough consideration of the roof space, ground floors and services.✔

* Building Surveys do not include a market valuation or rebuilding costs. These are often instructed in with a mortgage lender’s basic valuation which will already contain these figures.

WE DON’T HAVE TO MEET YOU

We can deal with all our clients by Phone, Whatsapp, Skype, Email and Post.

Contact us

This information has been provided by GOTO Survey as a guide only should you want to discuss your choices you can do so once Niche Advice has instructed go to survey where a representative will be in touch

Payam Azadi

Author: Payam Azadi

Payam Azadi is a partner at Niche Advice who are whole of the market Independent Mortgage Brokers. His role is very much focused on Property financing both on residential and commercial lines. To get in contact with him please click here.
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Filed Under: Home Survey Costs

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AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

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A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234567.

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