What should you do if a survey finds problems?

A practical checklist for assessing defects, obtaining advice and making a decision before exchange. 

Problems in a survey are not unusual. The key is to understand their seriousness and take the recommended steps before you become legally committed to the purchase. 

1. Read the explanation 

Look at the description, rating, risk and recommended action. A short defect name rarely gives enough context on its own. 

2. Check whether further investigation is needed 

The surveyor may need a specialist to confirm the cause, extent or repair approach. Arrange important investigations before exchange. 

3. Speak to your conveyancer 

Send them any sections dealing with alterations, approvals, warranties, boundaries, leasehold matters or other legal enquiries. 

4. Obtain quotations 

Ask suitable contractors or specialists for written estimates. Make sure the quotation relates to the work recommended, not a different or more extensive solution. 

5. Consider the whole property 

Balance the defect against the asking price, location, your budget, the property’s age and the work you expected to undertake. 

6. Discuss the findings 

You can ask the seller for information, repairs or a price adjustment. Keep the conversation evidence-based and remember that agreement is voluntary. 

7. Decide before exchange 

If you proceed, be clear about the cost and disruption you are taking on. If the risk is not acceptable, you can reconsider the purchase before contracts are exchanged.