Bradleys Chartered Surveyors
  • Toms Update
  • What do you get for your mortgage valuation?


    A valuation for your mortgage, when you are buying a house, is most times a formality. Very often the valuer will agree with the agreed sale price, will not recommend any essential repairs and will not specify any conditions for the loan. So, you may ask, what’s the point of it?


    A very good question.


    Well, there are a number of good reasons. The first is that without an internal inspection it is never possible to get a good feel of what a property is like – the condition, the size, the amenities. Most people look after their property well, but just occasionally it is not the case. So, even if next door sold for £250,000 three months ago it does not mean the other ones in the street are worth the same.


    Also, the lender is using the valuer as his ‘eyes and ears’. With all the technology available it still needs a valuer to check things like – has an extension been put up without planning? What about the right of way for the neighbour? Is the property of an age where it could have Mundic block?


    The valuer has a comprehensive checklist to go through on every job. And the prime reason for his visit is twofold – make sure the sale price agreed is there or thereabouts, and there is nothing that would significantly affect value or marketability.


    The checklist includes comparable sales of similar properties and a check on things that could be significant eg. subsidence, dry rot, inherently defective construction, flying freeholds etc.


    So, usually the mortgage valuation will say very little, even though it does quite a lot. And if you want to know more about a property, then my advice is that you order your own proper survey.


    Tom Davies

    Tom Davies

    Managing Director

  • Latest News
  • About Us
  • Bradleys Surveyors are a firm of Chartered Surveyors with vast experience operating throughout the core of the West Country, providing a straightforward and thorough service throughout Cornwall, Devon, and Somerset.


    Our RICS accredited Surveyors can aid you in a wide range of property services such as a Building Survey or HomeBuyer Report to assist you with your house purchase or one of the various valuations we specialise in. We have expertise in both residential and commercial property to satisfy our many different clients.


    Recent research has revealed that up to 90% of the residential properties inspected today suffer from some kind of defect. As a result, many buyers are unknowingly setting themselves up with the average bill of £5,750 to overcome hidden problems which would have been acknowledged by one of our surveyors in a report often costing as little as 10% of that bill! For many purchasing a property will be the largest investment of their life so don’t delay in gaining friendly and comprehensive reassurance from one of our surveyors today!

  • Homebuyers Report
  • The RICS HomeBuyer Report is a user friendly document presenting clear recommendations to the client, providing that extra reassurance before commitment to purchase is made. Comments are made in respect of the interior and exterior structure, services, grounds and legal issues in conjunction with a traffic light condition rating system. The knowledge of any existing or potential areas of concern allows the client to make a reasoned and informed judgement on their future home.

    Find Out More...
  • Building Surveys
  • The most comprehensive survey available, a Building Survey will provide a technical breakdown of construction and condition of the structure and its main components. Any existing or potential defects will be identified, an opinion on origin given along with recommendations to overcome and prevent in the future. Information regarding specific issues such as structural movement, timber defects and dampness will be included providing you with a detailed assessment of your future home.

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  • Valuations
  • Our Chartered Surveyors are highly experienced in undertaking a wide range of valuation services, all in accordance with RICS standards. We can provide you with a valuation for many purposes (both residential and commercial) including Matrimonial Disputes, Probate/Inheritance Tax, Capital Gains Tax and more. On contact with a member of our friendly, knowledgeable staff we will be able to understand your needs and direct you appropriately and efficiently.

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  • Specialist Services
  • In addition, we at Bradleys Surveyors also offer a range of specialist services to meet our vast experience of this unique area of tht your survey needs. These include Expert Witness Reports, Concrete Testing and Professional Consultant’s Certificates to name a few. With the many issues specific to Cornwall, Devon and Somersee Country will fill you with confidence in all aspects of survey work.

    Find Out More...

Career Opportunities

Qualified Chartered Surveyor Required

Must be MRICS, FRICS or AssocRICS. Carrying out mortgage valuations and surveys on residential property. Preferably living within a 25 mile radius of Plymouth to cover the Plymouth and surrounding areas. Competitive salary and commission to be negotiated dependant on hours, experience etc. Four days a week optional. Varied interesting work and working with really good team.

To apply for this position please send your CV to sueshears@beagroup.co.uk

Toms Update!

What do you get for your mortgage valuation?


A valuation for your mortgage, when you are buying a house, is most times a formality. Very often the valuer will agree with the agreed sale price, will not recommend any essential repairs and will not specify any conditions for the loan. So, you may ask, what’s the point of it?


A very good question.


Well, there are a number of good reasons. The first is that without an internal inspection it is never possible to get a good feel of what a property is like – the condition, the size, the amenities. Most people look after their property well, but just occasionally it is not the case. So, even if next door sold for £250,000 three months ago it does not mean the other ones in the street are worth the same.


Also, the lender is using the valuer as his ‘eyes and ears’. With all the technology available it still needs a valuer to check things like – has an extension been put up without planning? What about the right of way for the neighbour? Is the property of an age where it could have Mundic block?


The valuer has a comprehensive checklist to go through on every job. And the prime reason for his visit is twofold – make sure the sale price agreed is there or thereabouts, and there is nothing that would significantly affect value or marketability.


The checklist includes comparable sales of similar properties and a check on things that could be significant eg. subsidence, dry rot, inherently defective construction, flying freeholds etc.


So, usually the mortgage valuation will say very little, even though it does quite a lot. And if you want to know more about a property, then my advice is that you order your own proper survey.


Tom Davies

Tom Davies

Managing Director

Latest News

About Us

Bradleys Surveyors are a firm of Chartered Surveyors with vast experience operating throughout the core of the West Country, providing a straightforward and thorough service throughout Cornwall, Devon, and Somerset.


Our RICS accredited Surveyors can aid you in a wide range of property services such as a Building Survey or HomeBuyer Report to assist you with your house purchase or one of the various valuations we specialise in. We have expertise in both residential and commercial property to satisfy our many different clients.


Recent research has revealed that up to 90% of the residential properties inspected today suffer from some kind of defect. As a result, many buyers are unknowingly setting themselves up with the average bill of £5,750 to overcome hidden problems which would have been acknowledged by one of our surveyors in a report often costing as little as 10% of that bill! For many purchasing a property will be the largest investment of their life so don’t delay in gaining friendly and comprehensive reassurance from one of our surveyors today!