Structural report requested by lender after valuation survey stating movement
When you are buying a property but borrowing from a mortgage lender, a valuation survey is often the first step a mortgage lender takes to assess value and condition of the property. These are sometimes part of a homebuyer’s survey, which will report on the condition of all elements of the house or building. Occasionally, this survey flags concerns such as potential structural movement when cracking has been seen in the property. Such descriptions can cause concern in buyers and their mortgage lenders. In such cases, the lender typically requests a more detailed structural report. They will do this to better understand what risks they might be taking if they lend money to buy the property.
Structural movement refers to the movement or settling of a building’s foundations, walls, or floors. Some movement is natural and harmless, especially in older properties. However, certain signs, such as large cracks in critical locations, sloping floors, or distorted door frames, can suggest potential structural issues. These may stem from subsidence, heave, foundation failure, deterioration of structural elements or nearby construction works.
From a lender’s perspective, the property is not just a home, but it is also collateral for the mortgage. If serious structural problems exist, the building may lose value or require costly repairs. The lender needs to know that the asset remains secure over time. A valuation survey alone usually isn’t detailed enough to confirm this, which is why advice is required from a chartered structural engineer, such as Structures Made Easy.
As structural engineers, we carry out a thorough inspection of the property’s structure, including foundations, walls, roof, and external features. We assess whether the movement is historic and stable, or active and worsening. Our report gives an expert opinion on the cause, severity, and likely implications of the movement, along with any recommended repairs or monitoring.
Ultimately, this process helps protect both the lender and the buyer. For the buyer, it provides clarity and peace of mind or highlights risks before a major financial commitment. And for the lender, it ensures the property is a sound investment. If you’re asked for a structural report, it’s a crucial step in making an informed property purchase.
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STEP 1
Get a quote. Refer to enquiry form or email or speak to engineer
STEP 2
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STEP 3
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