The Instant Survey Report

Move ahead with confidence

The Instant survey is a survey for the homebuyer, it is a similar format to a full homebuyers survey report; delivered in an instant, it’s like a vehicle HPI check, but for a house! Helping buyers move ahead with confidence, it answers questions such as: Is the ground the property is built on subjected to potential subsidence or movement because of nearby trees? Will climate change negatively affect the properties value within the next 30 years? Will the property conveyancing be more expensive? Will future saleability be impacted? How much of a risk is flooding to the property? Is ground water flooding forecasted to impact the properties value?

Data to rely on

The data sources that we pull this property survey information from are the same sources that leading banks, insurers and conveyancing solicitors use to make and share decisions about your property purchase; therefore our data is trustworthy and reliable. Your property solicitors will likely rely on some of the same data sources when conducting their house conveyancing and searches on your property purchase. This means our data can highlight potential issues that might occur in the sales completion stage, as well as potential problems with mortgage lending and insuring. Several of the companies that provide the data also work with the RICS (who offer homebuyer reports) and are used by many property conveyancing solicitors.

We liken our homebuyers report 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 lifetime!

Making decisions with full knowledge

Besides needing data around insurability, future saleability and market price, you also need information on the property’s history, future and surrounding area, which is what our buying a home survey includes. This type of data is usually only identified by your conveyancing solicitors in the conveyancing process after you have committed money to the purchase, but it is imperative to understand how invisible insurance perils might be present, or forecasted in the near future, and negatively impact upon your investment. For example, did you know it is not easy and sometimes impossible to get a mortgage on certain properties. These include:

– Properties of non-standard construction

– Properties with a high subsidence or flood rating

– Properties which are likely to be affected by climate change in the next 30 years.

– High rise flats

– Properties infringed by development plans such as HS2

– Leasehold apartments or flats with less than 80 years left on the lease.

– Properties with title deed issues

– Properties which are forecasted to be in flood risk areas within the next 30 years

The data contained in our Instant Home Buyers Survey report is broken down to ensure that buyers have all the information they need; we use a simple traffic light system just like a homebuyers survey. Properties that are close to large trees or on a predicted flood path for example are addressed in the subsidence survey and flood survey section within this report. They are notoriously difficult to insure and lend against, which negatively affects their future saleability.

We also summarise each field with a score, using metrics including potential risk, future saleability, how mortgageable the property is, how insurable it is and how expensive or timely the property conveyancing process might be. We always hope your instant property survey shows a straightforward case where the scores are good, mortgage lenders will not see an issue, the insurance will be competitive, and the house conveyancing process will be quick and seamless.

If this isn’t the case, we also offer advice and recommendations on what to do the score is not in line with a good result, as well as other important decision-making information. Banks and insurers use this data to decide on their terms to you and whether they will lend, so it is important to be able to:

– Access the same information that these industries have and therefore allowing you to make crucial decisions before financially committing to the purchase.

– Understand what the information means, and how to approach the situation should there be issues with the property. Potentially, this may even mean walking away from the investment, before committing any money to the property conveyancing process.

Professional information that is easy to understand

Our Instant Buying a Home Survey displays the same results that professional property organisations use and translates it into clear and easy to read information for the UK home buyer. As an example, a flood risk code of Very High given by Ambient (the advanced flood modelling 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 from the instant home buyers survey and explain what they actually mean in real terms for the person buying the property, such as how the score affects insurance companies, your mortgage and the completion of your sale.

We encourage the use of the Instant Survey before making an offer, or just after making an offer, and definitely before instructing property solicitors or a conveyancing solicitor to go ahead with the conveyancing process. There is usually a 24–48-hour gap in which to do this if you have just had an offer accepted.

This upfront information is an investment in its own right, as it can be the difference between going ahead or pulling out of a house purchase. This bespoke data can give you an advantage when negotiating a better price, securing a sound investment with good prospects of future saleability, discovering if there is a problem insuring the property and understanding if the house is mortgageable, allowing you to potentially save hundreds (and in many instances thousands) of pounds on the sales completion stage.

We have a saying at Buyers Edge; “free data can be expensive”, which is why for quality data we pay our partners each time we pull the data sets, the same as banks and insurance companies do, meaning we therefore charge our customers to obtain it. If the property purchase does not go ahead, you can use your unique 25% discount code from us, which will be emailed to you, for your next report.

Why you need this report

  • Instant results
  • Major perils addressed - Subsidence, Flood, Climate Change, Insurance Claims – anything that impacts future saleability
  • Gives piece of mind to buyers
  • Exclusive discounts
  • Saves time and money in the conveyancing process
  • Designed for buyers only
  • Discovers potential problems that could impact lending decisions
  • 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!

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

    • 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 Registered Lease Remaining Years

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      Amount of years left on lease (Leasehold properties only - England & Wales)

  • Ground Stability and trees icon

    Insurance Perils Ground Stability and trees

    • 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 Crown Proximity (m)

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

    • Nearest Tree Crown Overhangs Main Building

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      Shows if the nearest tree is overhanging the property

  • Proximity to areas of significance & Crime icon

    Insurance Perils Proximity to areas of significance & Crime

    • Violence & Sexual Crime Count reported in the local area over 5 years

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      Shows serious crime count in the local area over the last 5 years

  • Property Flood Data & Climate Change icon

    Insurance Perils Property Flood Data & Climate Change

    • Potential Future Tidal Flood Depth Band in the next 30 years

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      Model showing predicted tidal flood depth potential within the next 30 years (climate change)

    • Potential Future Pluvial Flood Depth Band in the next 30 years

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      Model showing predicted pluvial flood depth (Surface water flooding) potential within the next 30 years (climate change)

    • Potential Future Fluvial Flood Depth Band in the next 30 years

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      Model showing predicted fluvial flood depth (river flooding) potential within the next 30 years (climate change)

    • Altitude above Sea Level (m)

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      Shows the altitude of the property above Sea Level in metres

    • Property Flood Risk Score

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      Shows the current overall likelihood of Property flooding

  • 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)

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