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Surveys, Building vs. Homebuyers

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  • Surveys, Building vs. Homebuyers

    Hello, I'm a first-time buyer, and have had an offer accepted for a first-floor flat of a Victorian property. I have requested a structural survey to be carried out alongside the valuation (via the mortgage lender), and have just been contacted by the survey undertakers advising me against getting a structural survey and instead going for a homebuyer's survey.

    They recommend that for flats, since they will only have access to the first floor, and a building survey would have more exclusions than anything else. They say in this case I would get pretty much the same thing.

    Is that true and they're just being honest with me, or should I insist on a structural survey? Any help greatly appreciated!