Looking for a Survey in East London
I'm in the process of purchasing a BISF house in Loughton. We felt that we'd done all of our homework, had a structural survey done a month ago which came back clean, adn are moving forward well with the purchase.
This was all fine, until today when our prospective mortgage provider, Santandar, are now digging in their heels because they need a particular set of qualifications attached to the Structural report, as we didn't have it signed off by the correctly qualified structural engineer.
The first one i've spoken to wants to charge us a small fortune + builder fees and take the external render off in 4-5 places which is a bit nervewracking and depressing for us.
Is anyone able to point me in the direction of a surveyor who can do a structural engineers report without seemingly dismantling a large portion of the house first ?
Hello MC, I'm quite astonished to hear what happened with your purchase as I have never heard of Santander suddenly taking this stance before.
Can you provide further detail please as to what Santander are specifically requesting?
You can reply direct to [email protected] if you wish to keep certain elements private.
My thoughts would lie with the originating surveyor who you have already paid. If he/she was not suitably qualified, then why did they undertake the survey in the first place?
Even so, if part of a broader company of surveyors, I would fully expect them to supply a suitably qualified surveyor to re-survey the property again at no extra cost.
As for the request of an invasive survey including the removal of external surfaces, these can be very expensive indeed, mainly due to the cost of putting right whatever is removed. A borescope survey would be far less invasive and can be conducted through very small holes in the interior plasterboard without requiring vast expense.
I would first speak directly to your mortgage underwriting team. You are allowed to speak to them directly although most switchboard operators don't like putting clients through directly and discuss the situation further.
I also sincerely hope that you surveyor has identified the property correctly as a BISF house, because all too often they don't. This leads to all sorts of issues further down the line as a direct result of the surveyor providing the wrong information.
I would be interested in reading the original survey report if possible but obviously I would not expect you to post the contents here.
As for a Surveyor, I have spoken with Steve Downes at Hinton & Downes Estate Agents, based in Harrow. Steve has a huge amount of experience with BISF house sales and he has informed me that Santander have made a number of changes in relation to their surveying department. In the past, Santander used their own in house surveyors who were very experienced with a wide range of Non-Traditional build types. This ensured that the vast majority of surveys went through without any major glitches. However, this work has now been farmed out to other companies, who sadly, do not always provide the correct surveyor for the job.
For example, a valuer should never conduct a structural survey, simply because he does not have the required qualifications.
Steve suggested that you could contact Mr Barry Smith who is a qualified surveyor who has a great deal of experience with BISF surveys. He can be contacted on 0208 446 4650
Please let me know how you progress.
I think I would be spitting feathers too to be honest.
You may well be better off going with Halifax as no two lenders think totally alike. It's a bit like having an MOT test on a car. One garage might fail the car but the second garage round the corner will give it a pass. Except here, we are dealing with your hard earned cash.
Apologies for my cross post above, I must have written it just after your reply.
The tree issue I can understand but if they were small and sufficient distance from the house, your surveyor should have stated so.
I hope your next move goes a little smoother.
Let us know if it goes through and best of luck.
I return with good news. After getting sick of Santander's position, i asked my mortgage broker to go back out there and see what he could find, and he found us 0.05% cheaper rate with Nationwide.
They send a real flesh and blood surveyor around, who knows the local area & BISF houses and the mortgage was summarily approved a day later.
So hopefully all's well that ends well, and a Pox on Google Maps surveyors!