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  • No it’s a RICS Level 3 structural survey.

    We’ve already had the mortgage valuation and mortgage offer which agreed that the price we agreed with the vendor (the asking price) was correct

  • Ok. So it’s your decision where to go.

    With this survey you’ll not [easily if at all] be able to legitimately get buildings insurance as you’ve been made aware the house is already falling down a bit so you can’t insure it against falling down. Your mortgage company will require buildings insurance.

    To get past this you’ll probably have to pay for a structural engineer (maybe £500) to give a definitive view on what’s happening rather than the conjecture a surveyor provides. If the engineer says it’s finished moving around you just fill the cracks and away you go, if they say they’re not sure or it’s definitely a problem then walk, it’s not worth the heartache and effort trying to fix someone else’s subsidence to end up with a house that’s tough to sell because it’s previously subsided.

    You could try to get the seller to pay for the engineer. As it stands if you back out, without an engineer’s report saying otherwise they’ll have to put on the brochure that the house might well be subsiding. They really won’t want to do that.

  • As it stands if you back out, without an engineer’s report saying otherwise they’ll have to put on the brochure that the house might well be subsiding. They really won’t want to do that.

    Likewise this... Is this assuming you make some sort of formal declaration to the seller that you think the house is subsiding?

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