Surveys

Purchasing a property is likely to be the largest investment you will make in your lifetime. It is also one of the most exciting things you will ever do, but it can also be one of the most stressful. The best way to reach an informed decision on such a commitment is to have a survey carried out by a Chartered Surveyor.

Pulver Carr Surveyors is able to provide professional and unbiased survey reports and valuations carried out in a accordance with RICS guidelines. Keith Pulver FRICS qualified as a surveyor in 1990 and is a Fellow of the Royal Institute of Chartered Surveyors.

Pulver Carr Surveyors acts for many well known lenders including; Barclays, Woolwich, Clydesdale amongst many others and have also advised major house builders including Laing, Charles Church and Banner Homes on Part Exchange Properties.

Services offered:

Homebuyer Surveys & Valuations
This is a detailed inspection of the property with a report and valuation providing an assessment of the overall condition of the property in order that you can:-

Make an informed and reasoned judgement on whether or not to proceed with the purchase.

Assess whether or not the property is a reasonable purchase.

Be clear as to what decisions and actions should be taken before contracts are exchanged.

The report will identify any matters that are Urgent or Significant; these are the matters that the surveyor considers to be an actual or developing threat to the fabric of the building or to personal safety or matters that would affect the value of the property.

Do the sensible thin - arrange for a Homebuyers Survey & Valuation before you commit to your purchase.

Building Surveys
Building Surveys are most suitable for older properties or for those houses where significant alterations and extensions have been carried out, for property where ongoing maintenance and repair have been neglected or where you propose to carry out alterations.

Content:

The Surveyor will examine everything that is reasonably visible and accessible.

The inspection will cover the structure and finishings of the building, outbuildings, grounds, boundaries and have regard to nearby trees.

The report is a detailed technical report with advice not only on the work that will be required in the immediate future, but also details of the future maintenance and repairs.

A Schedule of photographs will also be included in this report.

Do the sensible thing - arrange for a Building Survey before you commit yourself to a purchase.

Schedules of Condition
It is generally advisable to have a Schedule of Condition prepared at the beginning of the lease to detail the condition of the building. Under the terms of the Lease the tenant is often responsible for repairs, maintenance and ever replacing parts of the building, fixtures or fittings. It is not unusual for agreements to require the tenant to put the property into a better condition during the course of the Lease that is was at the beginning. We will record the condition of the building at the beginning of the Lease and provide a schedule of photographs.

Schedules of Dilapidations
Towards the end of a Lease, it is normally necessary to establish the condition of a building to access whether the repairing covenants and other parts of the Lease have been adhered to. A schedule of Dilapidations is normally prepared where the Landlord's surveyor believes that there are necessary works required to the building to comply with the terms of the lease, costings are usually prepared as part of the schedule.

Valuations
A Valuation report is not a survey but a professional opinion from a Chartered Surveyor as to the value of the property having regard to its location, condition, accommodation and general presentation. We can provide valuations for a variety of purposes:

Mortgage Valuations
Pulver Carr Surveyors are on the panels of numerous Banks and Building Societies and are able to provide valuation reports for mortgage purposes, re-mortgages and further advances. Linking a mortgage valuation with a Homebuyers Report & Survey or Building Survey can save you money.

Inheritance Tax / Probate Valuations
These valuations are usually required when someone passes away. The valuation is set at the date of death and therefore sometimes may have to be referenced back to values some weeks or months earlier. The valuation can be used to present to the Inland Revenue to access the level of inheritance Tax which needs to be paid.

Matrimonial Valuations
In these days of high divorce and separation rate it is usually necessary for matrimonial houses or shared property to be valued to decide upon how assets will be shared. Many matrimonial valuations are, following "The Wolf" report, usually carried out by a qualified surveyor/valuer appointed by both parties in the divorce with an independent valuation report provided for and to the court.

Capital Gains Valuations
Organising your Tax liability may be dependent upon the value of your property. If you own more than one property you may be liable to Capital Gains Tax when you sell. It is sometimes necessary to provide an historic valuation to assess any Capital Gains. We retain a database of historic values and are able to provide backdated valuations.

Insurance Valuations
It is important that your property is fully insured in the event of damage, flood, fire, etc. We are able to provide you with an up todate insurance reinstatement value.

Easy Reference Chart

	Lender's Valuation	Homebuyers Report & Survey	Building Survey

Type of Property	All - a valuation is needed by most mortgage lenders.	Conventional Properties built within the last 150 years and in reasonable condition.	Suitable for all properties but particularly for: Listed Buildings Older Properties Unusually Constructed Buildings Renovated buildings or one you are planning to alter / renovate.

Type of Service	Limited inspection just for lender.	A mid price, mid range service using a standard form to focus on only urgent or major problems.	A detailed and comprehensive report that can be tailored to suit your needs.

Reason for Service	To work out the property's value and to pinpoint major faults or factors that may affect your mortgage offer.	To help you make an informed judgement on whether to buy the property. To work out if the property is a reasonable price. To be clear on the decision and actions before contracts are exchanged.	To provide a report detailing the condition and construction of the property. To highlight faults and advise on the repairs needed.

Other features of Service	None.	Focuses on urgent and major problems.	Details the property's construction, materials used and major and minor faults.

Valuation Included	Yes.	This is part of the Survey.	No, but it's easily arranged as an optional extra.

Report Format	Lenders will generally use there own standard forms.	Standard format as defined by RICS.	Detailed report in surveyor's own format of one that suits you.