A survey is your best defence against buying a property with hidden problems. Skipping one to save a few hundred pounds can cost tens of thousands if you discover structural issues after completion.\n\nMortgage Valuation — Not a survey at all. A basic check for the lender to confirm the property is adequate security. The valuer may spend 15 to 30 minutes. They will not check the roof void or look behind furniture. Cost: often free, otherwise 150 to 400 pounds.\n\nRICS Level 1 (Condition Report) — Basic survey covering general condition using a traffic light system. No valuation or detailed advice. Suitable for modern properties in good condition. Cost: 250 to 400 pounds.\n\nRICS Level 2 (Homebuyer Report) — The most popular survey. Covers all visible and accessible areas. Identifies defects and potential problems. Includes market valuation and insurance reinstatement value. Does not look under floorboards or behind walls. Suitable for conventional properties built after 1900. Cost: 350 to 700 pounds.\n\nRICS Level 3 (Building Survey) — Most comprehensive inspection. Suitable for older properties, unusual construction, or significant alterations. Examines all accessible areas including roof voids and cellars. Detailed report with repair advice and cost estimates. Cost: 600 to 1,500 pounds or more.\n\nSpecialist Reports — Your surveyor may recommend: damp and timber (50 to 300 pounds), structural engineer (400 to 800 pounds), drainage survey (200 to 500 pounds), asbestos survey (200 to 600 pounds), Japanese knotweed assessment. These can reveal issues affecting value by tens of thousands.\n\nUsing the Survey to Negotiate — If problems are found, request a price reduction equal to repair costs, ask the seller to complete repairs, or withdraw. A survey that prevents buying a property with severe problems pays for itself many times over.