Question 1

Why should I have a snagging survey carried out?

Accepted Answer

Our surveys are NHQB approved meaning we have the correct qualifications and approval so that your New Build Snagging Survey will be read by your developer. We will ensure you have all the knowledge you need to avoid the possibility of discovering unexpected problems once you have moved in. You will also have a photographic report to work with your developer to rectify any issues noted

Question 2

My purchase is a new build with an NHBC guarantee, do I still need a survey?"

Accepted Answer

Most new build properties come with an NHBC guarantee. This guarantee usually covers the services ( e.g. gas, electrics) within the property for the first three years and the main building for 10 years.

Although this guarantee does offer you a degree of cover it is only cover against building defects that would cost more then a set excess to repair, normally over £1,750 (2022 figures). Any issue that would cost less then the this or is caused by lack of maintenance is not covered by the guarantee and repairs would have to be made at the home owners expense.

Our surveys have in depth knowledge of the NHBC guidelines and will identify any issues which might be covered by the NHBC guarantee allowing for them to be addressed prior to completion.
 
Due to the increased demand for new homes and the pressures placed on developers sometimes things can go wrong or get damaged prior to you taking the keys to your new build. We offer a fully comprehensive survey sometimes known as a Snagging Survey / Snagging report. We will look over the house prior to your occupation (although not ideal this can be done once occupied) and note down everything that is sub-standard, damaged or in need of repair or replacement and provide you with this to give to your developer. It’s a hassle free way of working though those new build issues until they’re completed and gives your developer a clear itemised list with photos. By having this survey you give yourself the best chance of getting your home the way you want it and also allows your developer to arrange the necessary trades people.

Question 3

Am I obliged to get a survey done?

Accepted Answer

It's entirely up to you whether you pay for a survey on your new home. Smart Surv are just passionate about helping you the buyer navigate the new chartered waters of buying a "New-build". As mentioned before, we have been there and know the process and pitfalls far too well.

Question 4

I am having a Mortgage Valuation, do I still need a Survey?"

Accepted Answer

If you are buying your new build property with a straight forward mortgage, "help to buy" or "shared ownership" your lender will normally value the property but they will not undertake a survey for you.
 
The main purpose of the valuation is to protect your lender and ensure the property is worth more than the amount they are lending. Although the report may offer some information about condition this will only be where it affects the value of the property and you will not normally have access to this.
 
The valuation inspection itself is limited, the valuer does not even have to look in the loft! For details about the condition of the property you are buying and any potential problems you will need an independent survey.

Question 5

What if the report reveals problems?

Accepted Answer

No property is perfect. If your surveyor identifies problems, it doesn’t mean you should be disappointed. You can use our report to ensure your property is the way you expect it to be.

Question 6

I am buying a flat, do I still need a survey?"

Accepted Answer

Snagging reports are still carried out on flats.
For most flats it is often the case that the maintenance of the building and communal areas will be dealt with either by a Freeholder or a Management Company (depending on the level of warranty by the developer)

The costs for maintaining any block are usually covered by a service charge collected from all the flats within the building. If the total costs in a year are higher then anticipated then the Management Company or Freeholder will have to recover the extra costs from Leaseholders directly. This means that although you may not have to pay all the costs of a repair to the building, you will have to pay your share. It also means that you will only have a limited amount of input in to how and when the repair is made. This makes it particularly important to understand the condition of the property you are buying to ensure you are not met with any unexpected bills.

In addition to looking at the physical condition of the property our surveys also consider any management issues which may affect the property. This can be as simple as whether there are any parking problems to more fundamental matters such as whether the important safety and security features are being properly maintained.

Question 7

Why do I need a property survey?

Accepted Answer

Buying a home can be the largest single investment you will ever make. To minimise unpleasant surprises and unexpected difficulties, you will want to learn as much as you can about the newly constructed or existing property before you buy it. A survey may identify the need for major repairs or builder oversights, as well as the need for maintenance to keep it in good shape. After the inspection, you will know more about the house, which will allow you to make decisions with confidence.

Question 8

Why can't I do it myself?

Accepted Answer

Even the most experienced homeowner lacks the knowledge and expertise of a professional surveyor. A surveyor is familiar with the elements of residential construction, proper installation techniques, maintenance and home safety and most importantly current building regulations. Your surveyor knows how your home’s systems and components are intended to function together, as well as why they sometimes fail.

Above all, most buyers find it difficult to remain completely objective and unemotional about the house they really want, and this may influence their judgment. For accurate information, it is best to obtain an impartial, third-party opinion by a professional in the field of home inspection.

Question 9

If the property proves to be in good condition, did I really need a survey?"

Accepted Answer

100%, because now you can complete your home purchase with confidence. You’ll have learned many things about your new home from the surveyor's written report, and will have that information with you for future reference.

Should you develop a problem moving forwards during your properties settlement years at least you will have a report to eliminate potential causes meaning you can get the issue resolved quicker.

Question 10

What will it cost?

Accepted Answer

Contact us for a quote! 
Use our free "Contacts" tab and get in touch....
Call us free on 07591105826 or 01582 933881
 
The survey fee for a typical home varies geographically, as does the cost of property. Similarly, within a given area, the inspection fee may vary depending on a number of factors such as the size, type and age of the property.

Do not let cost be a factor in deciding whether or not to have a survey or in the selection of your surveyor. The sense of security and knowledge gained from a survey is well worth the cost, and the lowest-priced survey is not necessarily a bargain.

FAQ