The Survey and Valuation Brief

Survey or valuation — do you really need both when getting a mortgage? Paul Collinson breaks down the key differences between a mortgage valuation and a property survey, and why they can make or break your home-buying journey. This episode explores the benefits, pitfalls, and requirements of mortgage valuations and home surveys, including RICS surveys, homebuyer reports, and full structural surveys. Learn how lenders use valuations, what surveyors actually look for, how issues can impact your mortgage approval, property price, and negotiations, and how to avoid costly surprises. Light, practical, and packed with expert mortgage advice for first-time buyers and home movers, it’s your essential guide to understanding mortgage valuation vs survey, protecting your investment, and buying with confidence.