The Instant Survey

Move ahead with confidence

Are there past insurance claims for subsidence or flood? Is the property mortgageable? Will the conveyancing be more expensive? Will the future saleability be impacted? How much of a risk is Japanese Knotweed to the property? The Instant survey is exactly what it says it is, a full rundown of the property in an instant, a vehicle HPI check, but for a house!

The data sources that we pull information from are the same sources that leading banks, insurers and property search/legal indemnity solution companies use to make and share decisions about your property purchase, therefore our data is trustworthy and reliable. Your solicitor will also likely rely on some of the same data sources when conducting their searches on your property purchase, this means our data is also really useful by being able to highlight potential issues that might present themselves in the sales completion stage, as well as potential problems with mortgage lending and insuring. Several of the companies that provide the data are also accredited by the RICS. We liken our property data packages to the vehicle HPI check but for houses, you wouldn’t risk buying a car without an HPI check so why take the risk on a house – the largest investment the average person will make in their lives.

Besides insurability, future saleability and market price did you know it is not easy and sometimes at all possible to get a mortgage on properties of non-standard construction, properties with a high subsidence or flood rating, properties with Japanese knotweed in close proximity, high rise flats or flats over five stories high, properties infringed by development plans such as HS2, properties that sit on contaminated land, and properties with title deed issues? Properties that have had subsidence claims or flood claims are also addressed in our report, they are notoriously difficult to insure and lend against which negatively affects their future saleability, being able to convey the possible claims experience or insurance issues that the property might have has never been availble to the public before. It is a massive benefit to understand how these, most of the time invisible insurance perils, like ground stability, subsidence and flood might be present and impacting your investment.

Each result we display is the same result the professional property organisations use, Buyers Edge take the result and translate it for the the UK home buyer. As an example, a subsidence score of 5 given by CLS (the innovative search and legal indemnity solutions company) is decision-making information for insurance companies and lenders, but it does not mean much to someone outside of that industry. We take the results and explain what they actually mean for the UK home buyer, how does it affect insurance companies, your mortgage or your sales completion? In addition to this we also offer advice, hints, tips and recommendations on what to do about the score if it is not in-line with a good result, alongside lots of other decision-making information. Banks and insurers use this information to decide on their terms to you or if they will accept the risk at all, it is their business to get it correct before accepting the risk, if they are successful they profit in the billions if they get the risk wrong they can lose billions, it is therefore key to be able to access the same information these industries have to enable to make these decisions, before financially committing to the purchase.

Amongst all of this information we also summarise each field with a score, using risk, future saleability, how mortgageable the property is, how insurable it is and how expensive or timely the conveyancing process might be. Hopefully it is a straight forward case where the mortgage lenders will not see issue, the insurance will be competitive and the conveyancing will be quick and seemless.

Buyers Edge have a saying “free data can be expensive” which is why for quality data we have to pay our partners for each time we pull the data sets just like the banks and insurance companies do, which is why we have to charge our customers to obtain it.  We encourage use before offering or just after offering but before instructing solicitors, there is usually 24-48 hour gap in which to do this if you have just had an offer accepted. If the property does not go ahead you can use your unique 25% discount code, which will be emailed to you, for your next report.

This upfront information can be the difference between going ahead or pulling out, negotiating a better price, securing a sound investment with good prospects of future saleability, discovering if there is a problem with insuring the property, understanding if the house is mortgaagable or by saving hundreds and in many instances thousands of pounds on the sales completion stage.

Why you need this report

  • Instant results
  • Gives piece of mind
  • Exclusive Discounts
  • Saves time and money
  • Designed for buyers only
  • Discovers potential problems
  • 25% discount code for your next report
  • Useful hints, tips, advice and recommendations on results
  • No need to create an account checkout as a guest in literally an Instant!
  • Major perils addressed - Subsidence, Flood, Insurance claims - Future saleability

What's in the report?

Industry leading property data, available to the home buyer for the first time

  • Property Construction and Attributes icon

    Property Construction and Attributes

    • Property Use

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      Confirms the recorded class of the property - Example: Residential Dwelling

    • Property Style

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      Confirms the style of property - Example: Detached or Terrace

    • Bedroom Count

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      Number of bedrooms in property

    • Property Wall Type

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      Shows the type of wall construction. Example: Cavity wall

    • Property Roof Shape

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      Shows the shape of the main roof. Example: Flat roof

    • Property Wall Material

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      Shows the main construction of the wall. Example: Brick, Granite etc

    • Energy Performance of Buildings

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      Shows the properties current energy rating

    • Council Tax Band in England & Wales

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      Shows the council tax band of the property if located in England & Wales

    • Council Tax Band in Scotland

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      Shows the council tax band of the property if located in Scotland

    • Listed Building Grade

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      If the property is in England, this field shows whether the property is listed, if it is listed the grading is also displayed

    • Listed Building Grade

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      If the property is in Wales, this field shows whether the property is listed, if it is listed the grading is also displayed

    • Listed Building Grade

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      If the property is in Scotland, this field shows whether the property is listed, if it is listed the grading is also displayed

  • Property Title Report (England & Wales only) icon

    Property Title Report (England & Wales only)

    • Property has Registered Title

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      Confirms whether the property has a registered title

    • Property has Freehold Title

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      Confirms whether the property has a freehold title

    • Property has Leasehold Title

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      Confirms whether the property has a leasehold title

    • Property has Absolute Freehold Title

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      Confirms if the property has an absolute freehold title

    • Property has Absolute Leasehold Title

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      Confirms if the property has an absolute leasehold title

    • Property has Caution Against First Registration

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      Shows if the Property has a Caution Against First Registration

  • Ground Stability and trees icon

    Insurance Perils Ground Stability and trees

    • Property Ground Stability Score

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      Stability of the area of ground on which the property is built, with 6 being the most unstable

    • Property Subsidence Risk Code

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      Property Subsidence Risk Code; with 5 being the greatest risk

    • Property Subsidence Risk Category

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      Property Subsidence Risk Category based on past insurance claims data

    • Nearest Tree Height Maximum (m)

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      Shows the Maximum height of the nearest Tree

    • Nearest Tree Height Standard Deviation (m)

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      Shows the Confidence level of height of nearest tree expressed in metres

    • Nearest Tree Proximity (m)

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      Shows the proximity of the Nearest Tree to the property in metres

  • Proximity to areas of significance icon

    Insurance Perils Proximity to areas of significance

    • Distance to Nearest Commercial Property Use (m)

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      Distance to Nearest Commercial Property Use (m)

    • Classification of Nearest Commercial Property Use

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      Shows the Classification of Nearest Commercial Property Use

    • Japanese Knotweed Risk Rating

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      Shows the threat of Japanese Knotweed based on proximity of recorded cases

    • Contaminated Land Part IIA Public Register

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      Shows if the land was previously designated as Industrial and may contain chemical residue

    • Property is in Coal Mining Risk Area

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      Shows if the property is in Coal Mining Risk Area

    • Property is in Cheshire Brine Risk Area

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      Shows if the property is built in area where the ground type is Cheshire Brine

  • Property Flood Data icon

    Insurance Perils Property Flood Data

    • Proximity to Nearest Body of Water (m)

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      Shows the proximity of the property to Nearest Body of Water in metres

    • Altitude above Sea Level (m)

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      Shows the altitude of the property above Sea Level in metres

    • JBA Flood Risk Rating

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      Scores the proximity of the property to known flood risk areas using a flood risk intensity scale, 5 being the worst

    • Property Flood Risk Score

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      Shows the likelihood of Property flooding

    • Property has Flood Insurance Issue

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      Shows if the property may have been subject to flooding in the past, based on previous insurance data

  • Household Expenditure icon

    Household Expenditure

    • Likely Electricity Bill (£ per month)

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      Shows the Likely Electricity Bill (£ per month)

    • Likely Electricity Consumption (kWh per year)

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      Shows the Likely Electricity Consumption (kWh per year)

    • Likely Gas Bill (£ per month)

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      Shows the Likely Gas Bill (£ per month)

    • Likely Gas Consumption (kWh per year)

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      Shows the Likely Gas Consumption (kWh per year)

    • Likely Home Insurance Bill (£ per month)

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      Shows the Likely Home Insurance Bill for a standard Buildings only level of cover (£ per month)

    • Likely Water Bill (£ per month)

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      Shows the Likely Water Bill (£ per month)

Save thousands by getting key upfront property information

know upfront what you are buying, do not risk offering on your next home without upfront information

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