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  • FFS nothing is ever straightforward is it .. just got a call from mortgage adviser saying the property has been valued at zero because of some issue with the roof; lender is insisting on a full structural survey (£1000) if we want the mortgage. He said even with that they reckon it'll be valued £20K less .. what are our options? I am yet to receive the report from home-buyers survey to get the details.

  • Nope, we had about seven occasions where we thought it was all sorted only for something else to crop up which invariably ended up with us stumping up some more cash.

    At least in this instance if it is tangible i.e. roof needs structural work to be safe, you have something to negotiate with rather than a down valuation as it has been overpriced.

  • Full structural survey is a good thing to have, especially if there is indeed a major issue with the roof. You could take this survey information (but never the survey itself) to the vendors and see if they can re-negotiate possibly too.

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