Which scenario warrants a Full Survey?

• A. A cheap property needing no changes
• B. High value property with mortgage exceeding purchase price
• C. High value property where mortgage is less than 70% of purchase price or alterations are planned
• D. A new-build with lender requirements

Answer: (C)

The main idea is that a Full Survey is used when there is higher risk or when substantial changes are planned, so you want the most detailed understanding of the property’s condition before proceeding.

In this scenario, a high value property already carries more potential for complex issues, and the key factor is that alterations are planned. A Full Survey provides in-depth findings about structural condition, damp, timbers, potential defects, and a clear view of what work might be needed and at what cost. This helps you budget accurately and negotiate if there are significant problems, and it’s often requested or required when you anticipate major renovations.

The other situations don’t press the same need for the most thorough inspection: a cheap property with no changes is less likely to have hidden problems worth a full, costly survey; a high value property with a mortgage well into the purchase price doesn’t inherently demand more inspection than the situation warrants unless there are concerns, and a new-build typically relies on standard lender valuations and warranties unless specific issues arise.