A couple on a 12-year-old property asking what survey to obtain. Which option correctly lists the most appropriate survey choice for a purchaser who does not plan major changes?

• A. RICS Home Survey Level 2
• B. RICS Home Survey Level 1
• C. Mortgage valuation report
• D. RICS Home Survey Level 3

Answer: (B)

When buying a home, you choose the survey level based on the property's age, condition, and what you plan to do with it. For a 12-year-old property where you don’t expect to make major changes, the basic survey is the most suitable. It gives a clear, concise assessment of the property’s condition and highlights any obvious defects or risks, along with general maintenance guidance. It’s enough to understand what you’re buying and to plan for routine upkeep, without the higher cost and depth of a more detailed survey.

A mortgage valuation is conducted for the lender to confirm the loan amount and security; it isn’t designed to provide buyer-focused condition information or repair advice, so it isn’t a substitute for a proper survey. The more detailed survey would offer more about defects and likely repair costs, which is useful if you’re planning significant work, but that isn’t necessary here. The full structural survey is intended for older, more complex properties or when substantial alterations are planned, so it would be excessive for a relatively new home. Therefore, the basic survey best fits a buyer who isn’t planning major changes.