Buying
Which house survey do you need? Level 1, 2 or 3
1 min read · Updated
The short answer
Most buyers choose a Level 2 survey for a typical home in reasonable condition. A Level 1 suits a newer home, and a Level 3 is worth it for an older, larger or altered home. The lender's valuation isn't a survey.
The valuation isn't a survey
Your lender will value the home to check it's worth what they're lending. It's for them, not you, and it doesn't look for problems. A survey is for you: it tells you what's wrong before you're committed.
The three levels
- Level 1, a condition report: a quick traffic light check for newer homes in good order. Usually from about £300.
- Level 2, often called a HomeBuyer report: the most popular choice for a conventional home in reasonable condition. It flags damp, movement and urgent repairs. Usually from about £400.
- Level 3, a building survey: the full check for older, larger, unusual or much altered homes, with advice on repairs. Usually from about £600, often more.
When to book it
Once your offer is accepted and your mortgage application is in. Pick a surveyor who's a member of RICS, and ask them to call you to talk it through: a ten minute chat often tells you more than the report.
A guide, not financial or legal advice. Rules and rates change, so check with your lender, broker or solicitor. Where our numbers come from.