The lender’s valuation checks that the property is suitable security for the loan—it isn’t a full condition report. A RICS Home Survey (Level 2 or 3) protects you by assessing the property’s condition and risks. We’ll explain the options and help you choose the right level of survey for your needs.
What’s the difference between a mortgage valuation and a survey—do I need both?
Published on 2 September 2025
10 Minutes
