When you’re in the process of buying a home, it’s easy to focus on the excitement of choosing the right place. But before you commit, it’s worth making sure that everything behind the scenes is in good condition too. A property survey helps give you that peace of mind, offering a closer look at the structure and condition of the home you’re buying.

As a mortgage broker in York, we regularly speak to buyers who aren’t sure which type of survey they need. Whether you’re a first time buyer in York or you’ve been through the process before, we’re here to break it all down for you.

What is a Property Survey?

A property survey is an inspection carried out by a qualified surveyor. It looks at the overall condition of a property and highlights any issues that might affect its value or need attention. This could be anything from damp and rot to structural movement or outdated electrics.

It’s different from a mortgage valuation and gives you a clearer understanding of the home you’re buying. That insight can be really helpful when making decisions or negotiating with the seller.

Mortgage Valuation: What It Actually Tells You

A mortgage valuation confirms that the property is worth the amount you’re planning to borrow. In most cases, this is a brief check and might not even involve visiting the property in person.

It won’t tell you anything about the condition of the home, so it’s always a good idea to arrange your own independent survey. Your mortgage advisor in York will talk you through the different property survey options and make sure you know what to expect at each stage. They’re always happy to help with anything you’re unsure about.

Homebuyer’s Report: A Popular Mid-Level Option

If the property is fairly modern, in a reasonable condition and hasn’t had major changes over the years, a Homebuyer’s Report could be the right choice. It covers all the essentials without going into too much technical detail.

You’ll get a clear report outlining visible problems, advice on repairs, and an overview of anything that might affect your decision to buy. This type of survey is often chosen by buyers applying for a first time buyer mortgage in York or moving home within the area.

Full Structural Survey: Deeper Detail for Older or Unusual Properties

For older properties or homes that have seen significant alterations, a Full Structural Survey is usually the best route. It’s a more detailed inspection, and it covers a wider range of potential issues both inside and outside the property.

If you’re buying a Victorian terrace, a listed building, or something that’s been heavily renovated, this type of survey can provide real clarity. It’s also worth considering if you’re planning extensive work once you move in. Many clients arranging remortgage advice in York for renovation purposes ask about this option as part of their plans.

Choosing the Right Survey for Your Property in York

York has a rich mix of property types, from city centre flats to semi-detached homes on the outskirts and character cottages in surrounding villages. What’s suitable for one property might not be right for another. If you’re unsure, speaking to our mortgage advisors in York can make things easier. We’ll help you match the right survey to the home you’re buying, based on your circumstances.

We work with buyers every day who are either new to the area or moving locally. Having the right support and local insight can take a lot of the stress out of the process.

Date Last Edited: May 8, 2025