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House prices could rise by 10% a year, Nationwide says
The rate of house price increases could soon rise above 10% a year, the Nationwide building society has said. Read More
Property sales hit two-year high
Further evidence of the recovery in the UK housing market has come from figures showing completed residential property sales hit a two-year high in December. Read More
House prices rise as property shortage persists
House prices are still being driven up by a relative shortage of properties for sale, says the Royal Institution of Chartered Surveyors (Rics). Read More
House prices higher than year ago
UK house prices were higher year-on-year in October - the first annual rise for 19 months, the Nationwide has said. Read More
Surveys and Valuations
We work with specialist surveying firms which provide a quick and efficient service at excellent rates.
RICS Homebuyer Survey
This is a detailed inspection of the property and easy-to-understand survey report, highlighting urgent and important matters requiring your attention.
Valuation Report
This is a limited check on the property from a surface inspection that advises on the value of the house and the insurance reinstatement cost. Mortgage lenders require this to ensure the property value is worth the money it is lending.
In order to protect your investment you will need to cover your property against all insurable risks to the full replacement cost, including the cost of clearing the site after complete destruction, and taking into consideration all professional's fees.
It is important to remember that the replacement cost is not necessarily the same as the market value of the property or the price you paid for it! If you under insure your building you could fall victim to the insurers averaging - you will not get the full amount of any claim so the replacement value needs to be accurately calculated.
You can get an accurate insurance valuation if you go to the Association of British Insurers (ABI) Building Costs Calculator for home owners. In the case of old, listed, thatched or other specialist properties we recommend you obtain a professional insurance valuation from a chartered building surveyor. In the case of commercial property it is always advisable to obtain a professional valuation.
Always obtain permission in writing from your mortgage lender, your insurer and your landlord (leasehold property) before you let your property to tenants. This is very important as your insurance cover could be nil and void if you fail to do this.
For more information, please call us today or complete this form