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Mortgage Structural Inspection

At Laytoe Structures, we understand that receiving a letter from your lender stating that the property you wish to purchase is not structurally sound can be a daunting experience.

This type of correspondence usually comes from the mortgage valuer, briefly outlining their concerns. They often recommend obtaining a detailed structural survey to clarify the situation and support your mortgage application.

We are committed to providing thorough, clear, and transparent structural survey reports. Our tailored inspections are designed to help all parties make well-informed decisions, ensuring you purchase a sound property.

All our reports meet lender requirements, and in some cases, we can provide an estimated cost of repairs. Every report is carefully reviewed and signed off by a qualified MICE or MIStructE engineer.

House keys on a bank letter informing customer of Mortgage Arrears and repossession with

What Happens If, after your inspection, you notice the property is suffering from severe structural movement?


If, after our inspection, we notice that the property is suffering from severe structural movement, we will provide a detailed report outlining the extent of the issue. Our report will include:
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1.A thorough explanation of the structural problems identified, supported by clear evidence and expert assessment.
2.An evaluation of how these structural issues may impact the property's overall stability, safety, and value.
3.Specific recommendations for necessary repairs or remediation to address the structural issues. This may include various methods to stabilise the property and prevent further movement.
4.Where possible, we will provide an estimated cost for the required repairs to help you understand the financial implications.
5.Our report will be reviewed and signed off by a qualified MICE or MiStructE engineer, ensuring that our findings and recommendations are credible and trustworthy.
Our goal is to equip you with all the information you need to make an informed decision about proceeding with the property purchase. We understand that structural issues can be concerning, but with our comprehensive report, you will have a clear path forward, whether that involves negotiating with the seller, seeking repair estimates, or reconsidering your purchase altogether.
 
 


Will the lender reject my mortgage if your inspection determines the property has Subsidence?


If our inspection determines that the property has subsidence, it could impact your mortgage application. Lenders typically view subsidence as a significant risk because it can affect the property's stability and value. However, the outcome depends on several factors:

  • Severity of Subsidence: Minor subsidence issues might be acceptable to some lenders if there is a clear plan for repair and stabilization.

  • Repair Plans: If you can provide a detailed plan for addressing the subsidence, including cost estimates and timelines, some lenders may still consider approving your mortgage.

  • Insurance: Having a comprehensive insurance policy that covers subsidence can also influence the lender's decision.

  • Lender's Policies: Different lenders have varying policies regarding subsidence. It's essential to check with your specific lender to understand their requirements and thresholds.

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We cannot confirm whether they would accept your application or not, as each lender has their own evaluation criteria and internal procedures.

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