Our Services

The Virtual Survey


In contrast to a paper report, the virtual survey gives you the opportunity to immerse yourself in a virtual tour of the property and see the defects as the surveyor does. This can be done at the click of a button. The Virtual Survey is our flagship product and is suitable for any type of property.

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RICS Condition Report (Level 1)


Briefly describes the construction and condition of the building, services, grounds and any significant outbuildings, advising also on any areas which your legal advisor should investigate further e.g. guarantees for works, rights of way, planning/building control matters etc. Further advice on repairs and/or ongoing maintenance is not given. The inspection is the least extensive of the three survey types and the report is the most concise. The Condition Report is therefore priced the lowest and is aimed at conventional and newer homes in reasonable condition.

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RICS Homebuyer Report (Level 2)


The HomeBuyer report covers all the features of the Condition Report, however it is a more detailed product and advises on aspects not covered by the Level one survey. The inspection is more extensive and the report gives more information regarding the property’s construction and condition. Additional advice is also given about repairs and areas of the property which will require ongoing maintenance. The HomeBuyer survey is suited towards a wider range of conventionally built homes, in reasonable condition.

​The customer now has the choice to include or exclude a Market Valuation and insurance re-instatement figure within their report. Where these are included, advice is also given to factors which may affect the value of the property.

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RICS Building Survey (Level 3)


The Building Survey (formerly known as the Structural Survey) is the most comprehensive of the three options. The inspection and report goes into a much greater level of detail than the level two product, providing further advice regarding cause and remedy of defects and potential issues which could arise should they not be addressed. More minor defects which are not included in the HomeBuyer report are covered here, and advice is also given to defects which may be present in areas hidden from view. We would recommend you select this option should your property be larger in size, older and run-down, of non-conventional construction (e.g. historic timber framed or stone built), or you plan to undertake extensive works.

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A market valuation gives a professional opinion of the value of an asset at a specific date in relation to the current market. The valuer will take into consideration property attributes such as size, specification and location along with market trends to form an opinion of value.

Although a desktop or drive-by valuation can be undertaken in some cases, a valuation usually requires a visit to the subject property where the valuer can obtain the appropriate information. Inspections for valuation purposes usually last between 20 and 40 minutes and will require access internally.

Smart Home Surveys provide bespoke valuations for a range of purposes. Please see our list of valuation services below:

  • Secured Lending valuation
  • Right to Buy valuation
  • Shared ownership (‘staircasing’) valuation
  • Shared equity valuation
  • Probate valuation
  • Inheritance tax valuation
  • Non – Domicile tax valuation
  • Capital gains tax valuation

Insurance Reinstatement Appraisal


A reinstatement cost refers to the cost of reinstating a building or property if it was to be destroyed or damaged beyond repair. The majority of homeowners are unaware of the true reinstatement cost of their home, which may mean they are considerably under or over-insured. The building sum insured is the maximum amount your insurer will pay out for any claim, therefore, it is important that this amount is adequate and accurate.

The reinstatement cost of two similar style properties of the same size can have a significant variation, with age, type of construction and quality of fittings having a major impact.


In the event of a claim; if you are underinsured, payment for repair or reinstatement will not cover the total cost. Unfortunately, this is normally only discovered in the event of a claim.


If you are overinsured, you are likely to be paying a higher than necessary premium, which can go unrecognised for years.

Smart Home Surveys can provide a Building Reinstatement Appraisal for your home, giving you accurate information in order to obtain the appropriate level of cover.

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