In England, Wales and Northern Ireland it is the buyer’s responsibility to have a survey carried out. This avoids stress further down the line. As part of your mortgage agreement, you must have a valuation report, but this is not enough if you want to know about any potential problems the property has, such as subsidence or damp. A homebuyer’s report or full structural survey will give you a more detailed account. If there are any serious defects, you can walk away or negotiate a lower price with the vendor.
In Scotland, things work slightly differently. The seller will arrange a Home Report before putting their property on the market, which contains three documents; a Single Survey, containing an assessment by a surveyor, an Energy Report and a Property Questionnaire, which contains information from the current owner.