HTG Mortgages
Surveys
Home Survey Services
If you’re considering buying a property, it’s always wise to arrange an independent home survey. This provides a clear understanding of the property’s condition and helps you avoid unexpected repair costs, stress, or unwelcome surprises later on. Before you get to survey stage, our guide on what to look for when viewing a house and the true costs of buying a house are worth a read.
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Why Do I Need a Home Survey? See our guide on the difference between a valuation and a survey.
If you’re thinking about buying a property, we always recommend getting an independent home survey. This gives you a clear picture of the condition of the property and helps avoid unexpected repair costs, stress, or surprises down the line.
RICS HomeBuyer Report
This report is ideal for conventional homes, flats, or bungalows built with common materials and in reasonable condition. It highlights any major structural problems like subsidence or damp, plus other hidden issues both inside and outside the property.
We offer two versions:
HomeBuyer Report (without Valuation)
This looks at all the visible parts of the property and flags urgent issues that could impact value or need quick attention. It doesn’t inspect beneath floors or behind walls. Without a valuation, you can use this report to renegotiate the price based on suggested repairs.
HomeBuyer Report (with Valuation)
Includes everything above plus a professional property valuation. This can help adjust your offer if the surveyor’s value differs from the lender’s.
What’s included?
Market value opinion
Insurance reinstatement figure
List of issues affecting value
Advice on repairs and ongoing maintenance
Identification of urgent risks or dangerous conditions
Legal points to clear before completing the sale
Information about location, local environment, and energy efficiency (where available)
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RICS Building Survey
For larger, older, or run-down properties, or if you’re planning major renovations, this more detailed survey covers the full structure and fabric of the building. It reports on visible defects and potential hidden problems, outlines repair options, and flags serious risks or dangerous conditions.
Bespoke Building Survey
A tailored version of the Building Survey, this is Watson’s most comprehensive option. It includes detailed inspections, photos, valuations, insurance figures, and optional repair cost estimates. It’s perfect for older or larger properties and can focus on specific areas you’re concerned about.
Help To Buy Valuation
If you’ve used the Help To Buy scheme and now need to sell, remortgage, or repay your loan, a RICS-regulated valuation is required. Watsons conduct these valuations following the exact scheme guidelines, inspecting inside and out.
Other Survey and Valuation Services
Watsons also offers property valuations for many purposes including secured lending, sale, probate, litigation, development, or taxation. With our local expertise, you can trust that your valuation accurately reflects the current market.
Valuations may include:
- Insurance assessments
- Tax-related valuations
- Matrimonial or probate valuations
- Commercial property valuations
- Shared ownership valuations
- Social housing valuations
- Rent reviews
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
Speak To An Expert
Our experienced advisers are here to guide you – whether you’re buying your first home, remortgaging, or protecting your property and lifestyle. We’ll save you time, cut the hassle, and make sure you secure a competitive mortgage that’s right for you.