Property Valuations and Surveys


Jenner Jones are RICS Registered Valuers

A valuation is an inspection carried out on behalf of your mortgage lender to determine the amount and terms of a mortgage offer. Your mortgage lender will probably ask you to pay for the valuation and will send you a copy of the report.

A valuation is not a survey but a limited inspection to identify problems that affect the security of your mortgage lender’s loan. A property can have defects that are critical to a prospective buyer but are not of concern to the mortgage lender and therefore would not appear in a valuation report. That’s why you should not just rely on the information provided by a valuation when deciding whether or not to purchase a property.

Whether for building societies and banks or for probate and personal use we provide a valuation service throughout London and the South East. We use a wide data base to give up to date valuations and can give advice on past and current trends in property values.

Our property valuations are not a comprehensive survey of buildings – we provide general advice on the property’s condition, location, size and market value. We can also advise on rebuilding costs for insurance purposes.


Whether you’re a first time buyer or someone who has purchased property in the past, buying a home can be a daunting prospect and is likely to be one of the largest purchases of your life. Commissioning a survey to tell you the condition of the property makes good sense.

And not only do these reports give you an idea of the general condition of the property, a survey can indicate any serious defects, provide you with details of future expenditure and advise you on whether a property is worth the money that is being paid.

If you are buying a property with a mortgage, your lender will arrange for a valuation to be carried out. This valuation survey indicates what the property is worth but it will not necessarily describe its condition. The valuer carrying out the valuation doesn’t necessarily have to tell you of any defects. Remember, a property with a large structural crack still has a value.

Faults in buildings are common. Some are serious and can get worse, such as settlement or structural movement, and will devalue the property. Some may lead to future problems such as rising damp causing timber rot, while others may be serious but easy to repair, such as a missing roof tile. In some buildings, defects are only detectable through specialist tests and your surveyor will be able to advise with regard to these.

The RICS publish a suite of survey reports which Jenner Jones is licensed to provide:

RICS Building Survey

This RICS report is the most thorough of the suite of RICS Home Surveys. It provides detailed advice on the condition of the property and describes identifiable risks and recommends any further actions or advice that should be taken. If required, an estimate of repairs can be provided. We can also provide a property valuation, if required, for an additional fee.

It is particularly suitable for large, older or run-down properties, a property that is unusual or altered or where the client is planning major works.

RICS HomeBuyer Report

This RICS report covers the same items as the RICS Condition Report but also provides a property valuation, an insurance reinstatement figure, a list of problems that may affect the value of the property, advice on repairs and ongoing maintenance and issues that need further investigation.

It is suitable for helping the purchaser make an informed decision about buying the property – about the price being paid, any repairs of replacements required and what further advice should be taken.

RICS Condition Survey

This RICS report is a report on the condition of the property including the structure, services, garage and outbuildings, the risks to the property and issues for legal advisers (e.g., regulations and guarantees). We can also provide a property valuation, if required, for an additional fee.

It is suitable for reporting on more conventional properties in reasonable condition and built from common building materials.

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