Residential

  • Mortgage Valuation

    Mortgage Valuations are sometimes described as Scheme 1 Valuations. It is a report designed for the lender - not for you, the borrower. It answers only the lender's questions concerning the appropriate security for your loan. You cannot rely on it to answer the questions which concern your personal interests.

    It is for the use of a lender and purely intended to help lenders decide on the level of loan to be made. Based on a restricted inspection of the property, the report will only note obvious and major defects, but will not provide information on the physical state of the property.

    We strongly recommend that this type of report be supplemented by a Homebuyer's Survey. Indeed The Consumers' Association, Which? Magazine and the Council of Mortgage Lenders (CML) all give this advice.

    Presale Valuation

    This is a very limited inspection of the property designed to provide the client with an opinion of “Market Value” only at the present time or at an alternative specified date. Although a qualified surveyor will carry out the inspection, it is not a survey. The report may suggest that prior to exposure for sale further investigation may be necessary. Advice regarding asking price and marketing may be given but the inspection is not a survey. It is not suitable for mortgage application purposes.

    Taxation Valuation

    This is a limited inspection of the property designed to provide the client with an opinion of “Market Value” at a specific date. A qualified surveyor will carry out the inspection but it is not a detailed survey. The report should be used for valuation purposes only.

    Please contact your local office for a fee quote.

    NB: fees may vary if more than one valuation or valuations at different dates are required.

    Insurance Valuations

    • Calculate current reinstatement value of property
    • Based on up to date building costs
    • Accurate
    • Index linked
    • Avoid being under insured
  • Homebuyer Survey

    The RICS Homebuyer Survey and Valuation Report (sometimes referred to as an HSV or Scheme 2) is in a standard format and has been formulated from discussion with many relevant sources including the various consumer organisations.

    It has been designed specifically as an economical service focusing on essentials, defects and problems which are urgent or significant and thus having an effect on the property and its value but, without the considerable expense of a Building Survey. It includes all the valuable information a purchaser requires and provides not only a survey but a valuation as an integral part of the report. 

    The surveyors' main objectives in providing this service are to assist the prospective home buyer to: 

    • Make a reasoned and informed judgement whether or not to proceed with the purchase. 
    • Assess at what price it would be reasonable to purchase the property 
    • Be clear what decisions and actions should be taken before making an offer to purchase. 
       

    The report is limited by how much access the seller is prepared to make available, but any part of the building not given a detailed inspection will be noted in the report. 

    The service is clearly defined but can incorporate additional services in it's format to suit the needs of the individual client.

  • Building Survey

    A Building Survey  (formerly called a Full Structural Survey) provides a detailed and full picture of a residential property.

    It is tailored to the client's individual requirements. The report includes extensive technical information on construction and materials as well as details of the whole range of defects, major to minor. 

    This type of survey is in fact rarely used in Scotland, partly because of the speed at which house purchase normally takes place here. The owner of the property is unlikely to allow a building survey to be undertaken, as it does involve some limited disturbance to the building, unless there is a limited market for the property and a very strong interest has been expressed by a possible buyer. 

    The report is most suited for very old, unusual or individual types of property in which a buyer has expressed an especial interest. eg Country Mansion, Castle etc 

    This is a very detailed report: the inspection takes several hours and may involve disturbance to the building itself. The surveyor may recommend specialist reports for say drainage, electrical systems, central heating and timber diseases. The report may entail the need for input from other professional services and trades which can be time consuming and also makes the cost uncertain at the point of instruction. 

    Some restrictions may still exist to prevent complete inspection (such as fitted floor coverings, limited roof access), but within these limitations the survey will be complete. 

    The Building Survey is considerably more expensive than any other type of report in recognition of the work involved. A Building Survey will not normally include a valuation which should be requested at the time of instruction if required. On receipt of your instruction one of our Surveyors will contact you to agree terms and limitations. 

    The "TERMS of ENGAGEMENT" FOR A BUILDING SURVEY are specifically tailored to suit the individual client and will be set out and agreed in written form between the client and Whyte & Barrie prior to the survey being carried out. They will be fully binding and contractual in their effect and will include full details as to the degree of inspection to be undertaken, headings and sub headings of the report and the fee payable on completion which may be subject to additions should further costs be incurred. (eg Cost of Drainage, Electrical, Mining Reports etc). 

    FEES therefore can vary considerably and are mainly dependent upon the degree of inspection to be undertaken. 

  • Development Appraisal

    A detailed analysis of market conditions relating to the project in question will be undertaken.

    This can be carried out from a survey and/or the production of detailed drawings and specifications.

    Whyte & Barrie can provide: 

    • Gross development valuations 
    • Comment on costs 
    • Advice on planning considerations 
    • Advice on potential tax liabilities 
    • Advise on how to maximise development potential 
    • Best scheme approach 

    Title Plans and Measurement

    Whyte and Barrie can provide expert measurement and title survey advice. We can provide confirmation of boundary sizes and/or location, produce Title Plans or simply give advice on matters pertaining to land measurement. 

    FEES:
    Fees vary greatly depending on the degree of measurement and plan production required subject to a minimum fee of £200.00 + VAT

    Specialist Residential Advice

    We can provide specialist advice and reports on a whole range of property related matters including:

    • Rental Values 
    • Lease Terms and Conditions 
    • Sales Reports 
    • Market Analysis 
    • Expert Witness 
    • Defects Advise 
    • Council Tax Bandings  



 

Home Reports

Home Reports are required by law in Scotland when selling a property.

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Residential

We offer a wide range of surveys and valuation 
advice.

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Commercial

We provide a range of commercial services and an online property search.

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Consultancy

We can provide clients with all the advice and professional expertise they require.

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First Surveyors Scotland

First Surveyors Scotland