9 Crown Row, Bracknell, Berkshire, RG12 0TH

Sales Consultant
Anastasia is brilliant with people and loves creating new relationships. Perfect skills for her role at DY! Away from work she’s a keen gym bunny and enjoys taking her dog out on long walks, plus she’s a natural both in front of and behind the camera!
When I was younger I wanted to be…
A fashion stylist. Even now I still go around telling my family and friends what to wear and if they ever need advice they know who to come to.
Top of my bucket list is…
A skydive in Dubai.
You might be surprised to know…
I am a Grade 8 singer. When I was 10 years old I performed at the Royal Albert Hall and went on a music tour through Barcelona in 2017.
On Sunday mornings you can usually find me…
Giving my dog a lovely long walk around Virginia Water.
15 Dec 2015
A Valuation Survey is usually commissioned by the buyer or the buyer’s mortgage provider, prior to exchange of contracts to purchase a property.
If you need a mortgage, the mortgage provider will require an independent valuation of the property known as a Home Buyers Report. This report must written by a qualified Chartered Surveyor, usually appointed to a ‘panel’ of approved valuers by the lender. If you do not need a mortgage, there is no requirement upon you to have a valuation but, given the sums involved, a valuation survey of some sort undertaken by a qualified independent third party would be prudent.
The Homebuyer’s Report is paid for by you, the borrower, but it is usually solely for the benefit of the mortgage provider. The lender will have certain minimum requirements in terms of Loan to Value Ratio and the report will confirm that the property is of sufficient value to meet these criteria. The report may not necessarily value the property at the purchase price.
It’s important to know that a Homebuyer’s Report is a basic valuation of the property and whilst it must be undertaken by a suitably qualified Chartered Surveyor, it is not a Full Structural Survey. When purchasing an older property it may therefore be worthwhile commissioning your own more detailed valuation survey (ideally undertaken by the same ‘panel valuer’ at the same time as the inspection for the valuation) or a full structural report. You should also make sure that this report is acceptable to the lender and may also be relied upon by you, the purchaser. Clarify this before the valuation/survey is requested.
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